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MBT BancsharesMBKL 61 EV-to-FCF is 9.76 as of Jul. 31, 2026, which is 45% above its 10-year median of 6.75. GuruFocus rates MBKL with a GF Score™ of 61/100 and a GF Value™ of $24.57 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,191 Banks companies, MBT Bancshares ranks worse than 58.35% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, MBT Bancshares's Enterprise Value is $57.40 Mil.
MBT Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.88 Mil. Therefore, MBT Bancshares's EV-to-FCF for today is 9.76.
The historical rank and industry rank for MBT Bancshares's EV-to-FCF or its related term are showing as below:
MBKL'
s EV-to-FCF Range Over the Past 10 Years
Min: -31.9 Med: 6.75 Max: 18.74
Current: 9.76
During the past 13 years, the highest EV-to-FCF of MBT Bancshares was 18.74. The lowest was -31.90. And the median was 6.75.
MBKL's EV-to-FCF is ranked worse than 58.35% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs MBKL: 9.76
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
MBT Bancshares's PE Ratio (TTM) for today is calculated as:
MBT Bancshares's share price for today is $29.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. MBT Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $3.320.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
MBT Bancshares EV-to-FCF Related Terms
MBT Bancshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for MBT Bancshares's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, MBT Bancshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
MBT Bancshares EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, MBT Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where MBT Bancshares's EV-to-FCF falls into.
MBT Bancshares's current Enterprise Value is $57.40 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. MBT Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.88 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MBT Bancshares (MBKL) has a EV-to-FCF of 9.76 as of Jul. 31, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on MBT Bancshares and its competitors. This is 45% above median its historical median of 6.75. According to the industry distribution chart, MBT Bancshares ranks #695 out of 1191 companies in the Banks industry, placing it in the top 58.4%.
Is MBT Bancshares' EV-to-FCF too high?
MBT Bancshares' current EV-to-FCF of 9.76 is 45% above median its 10-year median of 6.75. The Banks industry median EV-to-FCF is 7.15. MBT Bancshares' value of 9.76 is 36.5% above this industry median. Based on the distribution chart, MBT Bancshares ranks #695 out of 1191 companies in the Banks industry, which is below the industry midpoint. Overall, MBT Bancshares has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MBT Bancshares' EV-to-FCF compare to NIDB and BSPA?
According to the Banks industry distribution chart, MBT Bancshares ranks #695 out of 1191 companies for EV-to-FCF. This places MBT Bancshares in the lower half of its industry. The industry median EV-to-FCF is 7.15. MBT Bancshares' value of 9.76 is 36.5% above this benchmark. While the company's 10-year median is 6.75 vs. the industry median of 7.15, MBT Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.15, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MBT Bancshares's current EV-to-FCF of 9.76 is 36.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on MBT Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 7.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MBT Bancshares's current EV-to-FCF is 9.76, which is 45% above median its own 10-year median of 6.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBT Bancshares stock overvalued right now?
Based on GuruFocus' analysis, MBT Bancshares (MBKL) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.57, compared to a current price of $29.00 — trading 18% above its estimated fair value. The current EV-to-FCF is 9.76, which is 45% above median its 10-year median of 6.75 and 36.5% above the Banks industry median of 7.15. MBT Bancshares' overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For MBT Bancshares (MBKL), the current EV-to-FCF is 9.76 as of Jul. 31, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is MBT Bancshares (MBKL) Overvalued in 2026?
Based on GuruFocus' analysis, MBT Bancshares stock appears to be overvalued.
The current stock price of $29.00 is trading 18% above its estimated GF Value™ of $24.57.
GuruFocus considers MBT Bancshares to be Modestly Overvalued.
Key valuation signals for MBKL:
EV-to-FCF: 9.76 (45% above median its 10-year median of 6.75)
GF Value™: $24.57 vs. price of $29.00 (18% above fair value)
Industry Position: 36.5% above the Banks median (#695 of 1191)
No single metric tells the full story. See the MBKL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MBT Bancshares Inc is a United States-based company providing commercial banking services. It offers personal banking and business banking services. The services portfolio includes online banking service, checking accounts service, savings account facility, card services, and other services.
61GF Score
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