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MNB HoldingsMNBO 32 EV-to-FCF is 11.47 as of Jul. 15, 2026, which is 352% above its 10-year median of 2.54. GuruFocus rates MNBO with a GF Score™ of 32/100 and a GF Value™ of $23.09 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,196 Banks companies, MNB Holdings ranks worse than 66.97% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, MNB Holdings's Enterprise Value is $11.50 Mil.
MNB Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1.00 Mil. Therefore, MNB Holdings's EV-to-FCF for today is 11.47.
The historical rank and industry rank for MNB Holdings's EV-to-FCF or its related term are showing as below:
MNBO'
s EV-to-FCF Range Over the Past 10 Years
Min: -700.62 Med: 2.54 Max: 53.11
Current: 11.47
During the past 13 years, the highest EV-to-FCF of MNB Holdings was 53.11. The lowest was -700.62. And the median was 2.54.
MNBO's EV-to-FCF is ranked worse than 66.97% of 1196
companies
in the Banks industry
Industry Median: 6.575
vs MNBO: 11.47
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.
MNB Holdings's PE Ratio (TTM) for today is calculated as:
MNB Holdings's share price for today is $56.30.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. MNB Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.420.
* 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.
MNB Holdings EV-to-FCF Related Terms
MNB Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for MNB Holdings'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, MNB Holdings'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.
MNB Holdings EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, MNB Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where MNB Holdings's EV-to-FCF falls into.
MNB Holdings's current Enterprise Value is $11.50 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. MNB Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1.00 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.
MNB Holdings (MNBO) has a EV-to-FCF of 11.47 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on MNB Holdings and its competitors. This is 352% above median its historical median of 2.54. According to the industry distribution chart, MNB Holdings ranks #801 out of 1196 companies in the Banks industry, placing it in the top 67%.
Is MNB Holdings' EV-to-FCF too high?
MNB Holdings' current EV-to-FCF of 11.47 is 352% above median its 10-year median of 2.54. The Banks industry median EV-to-FCF is 6.58. MNB Holdings' value of 11.47 is 74.4% above this industry median. Based on the distribution chart, MNB Holdings ranks #801 out of 1196 companies in the Banks industry, which is below the industry midpoint. Overall, MNB Holdings has a GF Score™ of 32/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MNB Holdings' EV-to-FCF compare to GTPS and BAFN?
According to the Banks industry distribution chart, MNB Holdings ranks #801 out of 1196 companies for EV-to-FCF. This places MNB Holdings in the lower half of its industry. The industry median EV-to-FCF is 6.58. MNB Holdings' value of 11.47 is 74.4% above this benchmark. While the company's 10-year median is 2.54 vs. the industry median of 6.58, MNB Holdings 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 6.58, based on 1,196 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. MNB Holdings's current EV-to-FCF of 11.47 is 74.4% 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 MNB Holdings and its competitors. For the Banks industry, the median EV-to-FCF is 6.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MNB Holdings's current EV-to-FCF is 11.47, which is 352% above median its own 10-year median of 2.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MNB Holdings stock overvalued right now?
Based on GuruFocus' analysis, MNB Holdings (MNBO) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.09, compared to a current price of $56.30 — trading 143.8% above its estimated fair value. The current EV-to-FCF is 11.47, which is 352% above median its 10-year median of 2.54 and 74.4% above the Banks industry median of 6.58. MNB Holdings' overall GF Score™ is 32/100 with 5 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 MNB Holdings (MNBO), the current EV-to-FCF is 11.47 as of Jul. 15, 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 MNB Holdings (MNBO) Overvalued in 2026?
Based on GuruFocus' analysis, MNB Holdings stock appears to be overvalued.
The current stock price of $56.30 is trading 143.8% above its estimated GF Value™ of $23.09.
GuruFocus considers MNB Holdings to be Significantly Overvalued.
Key valuation signals for MNBO:
EV-to-FCF: 11.47 (352% above median its 10-year median of 2.54)
GF Value™: $23.09 vs. price of $56.30 (143.8% above fair value)
Industry Position: 74.4% above the Banks median (#801 of 1196)
No single metric tells the full story. See the MNBO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MNB Holdings Corp is a bank holding company. It is engaged in the general commercial banking business in the city and county of San Francisco and all other nine San Francisco Bay Area counties. The company provides traditional commercial and retail banking services, which include accepting demand, savings, and time deposits and making commercial, and real estate loans. It also offers other installment and term loans.
32GF Score
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