Neffs BancorpNEFB 49 EV-to-FCF is 68.62 as of Jun. 28, 2026, which is 337% above its 10-year median of 15.71. GuruFocus rates NEFB with a GF Score™ of 49/100 and a GF Value™ of $274.22 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,196 Banks companies, Neffs Bancorp ranks worse than 95.32% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Neffs Bancorp's Enterprise Value is $88.80 Mil.
Neffs Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1.29 Mil. Therefore, Neffs Bancorp's EV-to-FCF for today is 68.62.
The historical rank and industry rank for Neffs Bancorp's EV-to-FCF or its related term are showing as below:
NEFB'
s EV-to-FCF Range Over the Past 10 Years
Min: 6.28 Med: 15.71 Max: 69.15
Current: 68.62
During the past 13 years, the highest EV-to-FCF of Neffs Bancorp was 69.15. The lowest was 6.28. And the median was 15.71.
NEFB's EV-to-FCF is ranked worse than 95.32% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs NEFB: 68.62
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.
Neffs Bancorp's PE Ratio (TTM) for today is calculated as:
Neffs Bancorp's share price for today is $395.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Neffs Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $18.880.
* 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.
Neffs Bancorp EV-to-FCF Related Terms
Neffs Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Neffs Bancorp'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, Neffs Bancorp'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.
Neffs Bancorp EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Neffs Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Neffs Bancorp's EV-to-FCF falls into.
Neffs Bancorp's current Enterprise Value is $88.80 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Neffs Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1.29 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.
Neffs Bancorp (NEFB) has a EV-to-FCF of 68.62 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Neffs Bancorp and its competitors. This is 337% above median its historical median of 15.71. Over the past decade, Neffs Bancorp's EV-to-FCF has ranged from 6.28 to 69.15. According to the industry distribution chart, Neffs Bancorp ranks #1140 out of 1196 companies in the Banks industry, placing it in the top 95.3%.
Is Neffs Bancorp's EV-to-FCF too high?
Neffs Bancorp's current EV-to-FCF of 68.62 is 337% above median its 10-year median of 15.71. Over the past 10 years, this metric has ranged from a low of 6.28 to a high of 69.15. The Banks industry median EV-to-FCF is 6.56. Neffs Bancorp's value of 68.62 is 946.8% above this industry median. Based on the distribution chart, Neffs Bancorp ranks #1140 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Neffs Bancorp has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Neffs Bancorp's EV-to-FCF compare to CEFC and LFGP?
According to the Banks industry distribution chart, Neffs Bancorp ranks #1140 out of 1196 companies for EV-to-FCF. This places Neffs Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.56. Neffs Bancorp's value of 68.62 is 946.8% above this benchmark. Historically, Neffs Bancorp's own EV-to-FCF has ranged from 6.28 to 69.15 over the past decade. While the company's 10-year median is 15.71 vs. the industry median of 6.56, Neffs Bancorp 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 6.56, 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. Neffs Bancorp's current EV-to-FCF of 68.62 is 946.8% 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 Neffs Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Neffs Bancorp's current EV-to-FCF is 68.62, which is 337% above median its own 10-year median of 15.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Neffs Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Neffs Bancorp (NEFB) is currently considered Significantly Overvalued. The stock's GF Value™ is $274.22, compared to a current price of $395.00 — trading 44% above its estimated fair value. The current EV-to-FCF is 68.62, which is 337% above median its 10-year median of 15.71 and 946.8% above the Banks industry median of 6.56. Neffs Bancorp's overall GF Score™ is 49/100 with 6 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 Neffs Bancorp (NEFB), the current EV-to-FCF is 68.62 as of Jun. 28, 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 Neffs Bancorp (NEFB) Overvalued in 2026?
Based on GuruFocus' analysis, Neffs Bancorp stock appears to be overvalued.
The current stock price of $395.00 is trading 44% above its estimated GF Value™ of $274.22.
GuruFocus considers Neffs Bancorp to be Significantly Overvalued.
Key valuation signals for NEFB:
EV-to-FCF: 68.62 (337% above median its 10-year median of 15.71)
GF Value™: $274.22 vs. price of $395.00 (44% above fair value)
Industry Position: 946.8% above the Banks median (#1140 of 1196)
No single metric tells the full story. See the NEFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Neffs Bancorp Inc provides a full range of financial services to individuals, small businesses and corporate customers. The Bank's primary deposits are checking accounts, savings accounts and certificates of deposit. The bank offers personal banking and commercial banking services. The primary source of revenue is interest and fees earned from providing residential mortgages, consumer loans and commercial loans to customers located within the Lehigh Valley of Pennsylvania.
49GF Score
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