NIDB (Northeast Indiana Bancorp) EV-to-FCF: (As of Aug. 01, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NIDB Northeast Indiana Bancorp Inc NIDB
62 GF Score
Price $24.56
GF Value $22.54
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Northeast Indiana Bancorp EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Northeast Indiana Bancorp's Enterprise Value is $77.23 Mil. Northeast Indiana Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $0.00 Mil. Therefore, Northeast Indiana Bancorp's EV-to-FCF for today is .

The historical rank and industry rank for Northeast Indiana Bancorp's EV-to-FCF or its related term are showing as below:

NIDB' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 12.48
Current: 12.48

During the past 13 years, the highest EV-to-FCF of Northeast Indiana Bancorp was 12.48. The lowest was 0.00. And the median was 0.00.

NIDB's EV-to-FCF is ranked worse than
66.67% of 1191 companies
in the Banks industry
Industry Median: 7.15 vs NIDB: 12.48

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.

As of today (2026-08-01), Northeast Indiana Bancorp's stock price is $24.56. Northeast Indiana Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $2.963. Therefore, Northeast Indiana Bancorp's PE Ratio (TTM) for today is 8.29.


Northeast Indiana Bancorp  (OTCPK:NIDB) EV-to-FCF Explanation

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.

Northeast Indiana Bancorp's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=24.56/2.963
=8.29

Northeast Indiana Bancorp's share price for today is $24.56.
Northeast Indiana Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.963.

* 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.


Northeast Indiana Bancorp EV-to-FCF Related Terms


Northeast Indiana Bancorp EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Northeast Indiana 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.

Northeast Indiana Bancorp EV-to-FCF Chart

Northeast Indiana Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.59 12.20 15.42 12.19 13.83

Northeast Indiana Bancorp Quarterly Data
Sep15 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 13.83 0.00 0.00

NIDB vs CIBH, MBKL, BBBK: EV-to-FCF Comparison

For the Banks - Regional subindustry, Northeast Indiana 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.


Northeast Indiana Bancorp EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Northeast Indiana Bancorp's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Northeast Indiana Bancorp's EV-to-FCF falls into.


NIDB
62GF Score
Northeast Indiana Bancorp Inc NIDB
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Northeast Indiana Bancorp EV-to-FCF Calculation

Northeast Indiana Bancorp's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=77.229/0
=

Northeast Indiana Bancorp's current Enterprise Value is $77.23 Mil.
Northeast Indiana Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 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.

Is Northeast Indiana Bancorp (NIDB) Overvalued in 2026?

Based on GuruFocus' analysis, Northeast Indiana Bancorp stock appears to be overvalued. The current stock price of $24.56 is trading 9% above its estimated GF Value™ of $22.54. GuruFocus considers Northeast Indiana Bancorp to be Fairly Valued.

Key valuation signals for NIDB:

  • EV-to-FCF:
  • GF Value™: $22.54 vs. price of $24.56 (9% above fair value)
  • GF Score™: 62/100 with 4 warning signs

No single metric tells the full story. See the NIDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Northeast Indiana Bancorp Business Description

Address 648 North Jefferson Street, P.O. Box 70, Huntington, IN, USA, 46750
Northeast Indiana Bancorp Inc is a financial services company and bank holding company that provides commercial and residential real estate loans in the United States. It operates through Residential Mortgage, Commercial Mortgage, Construction and Land Development, Commercial and Industrial, and Consumer segments. The bank offers key personal products such as checking and savings accounts, debit cards, and deposits, as well as business services including checking accounts, merchant services, and cash management.
62GF Score

Get the complete analysis for NIDB

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$24.56
Price
$22.54
GF Value