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NMB FinlNMBF 64 EV-to-FCF is 3.65 as of Jul. 15, 2026. GuruFocus rates NMBF with a GF Score™ of 64/100 and a GF Value™ of $14.65 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,196 Banks companies, NMB Finl ranks better than 63.38% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, NMB Finl's Enterprise Value is $34.27 Mil.
NMB Finl's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $9.40 Mil. Therefore, NMB Finl's EV-to-FCF for today is 3.65.
The historical rank and industry rank for NMB Finl's EV-to-FCF or its related term are showing as below:
NMBF'
s EV-to-FCF Range Over the Past 10 Years
Min: -122.07 Med: -5.21 Max: 46.56
Current: 3.65
During the past 8 years, the highest EV-to-FCF of NMB Finl was 46.56. The lowest was -122.07. And the median was -5.21.
NMBF's EV-to-FCF is ranked better than 63.38% of 1196
companies
in the Banks industry
Industry Median: 6.575
vs NMBF: 3.65
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.
NMB Finl's share price for today is $18.90.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NMB Finl's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.720.
* 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.
NMB Finl EV-to-FCF Related Terms
NMB Finl EV-to-FCF Historical Data
* Premium members only.
The historical data trend for NMB Finl'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, NMB Finl'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.
NMB Finl EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, NMB Finl's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where NMB Finl's EV-to-FCF falls into.
NMB Finl's current Enterprise Value is $34.27 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NMB Finl's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $9.40 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.
NMB Finl (NMBF) has a EV-to-FCF of 3.65 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on NMB Finl and its competitors. According to the industry distribution chart, NMB Finl ranks #438 out of 1196 companies in the Banks industry, placing it in the top 36.6%.
Is NMB Finl's EV-to-FCF too high?
NMB Finl's current EV-to-FCF is 3.65. The Banks industry median EV-to-FCF is 6.58. NMB Finl's value of 3.65 is 44.5% below this industry median. Based on the distribution chart, NMB Finl ranks #438 out of 1196 companies in the Banks industry, which is above the industry midpoint. Overall, NMB Finl has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NMB Finl's EV-to-FCF compare to FABP and CYVF?
According to the Banks industry distribution chart, NMB Finl ranks #438 out of 1196 companies for EV-to-FCF. This puts NMB Finl in the upper half of its industry. The industry median EV-to-FCF is 6.58. NMB Finl's value of 3.65 is 44.5% below this benchmark. 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. NMB Finl's current EV-to-FCF of 3.65 is 44.5% below 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 NMB Finl 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. NMB Finl's current EV-to-FCF is 3.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Finl stock overvalued right now?
Based on GuruFocus' analysis, NMB Finl (NMBF) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.65, compared to a current price of $18.90 — trading 29% above its estimated fair value. The current EV-to-FCF is 3.65 and 44.5% below the Banks industry median of 6.58. NMB Finl's overall GF Score™ is 64/100 with 2 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 NMB Finl (NMBF), the current EV-to-FCF is 3.65 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 NMB Finl (NMBF) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Finl stock appears to be overvalued.
The current stock price of $18.90 is trading 29% above its estimated GF Value™ of $14.65.
GuruFocus considers NMB Finl to be Modestly Overvalued.
Key valuation signals for NMBF:
EV-to-FCF: 3.65
GF Value™: $14.65 vs. price of $18.90 (29% above fair value)
Industry Position: 44.5% below the Banks median (#438 of 1196)
No single metric tells the full story. See the NMBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Finl Corp is a bank holding company of New Millennium Bank. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers at its New Brunswick and Somerset New Jersey locations. In addition, it also offers various other online banking services.
64GF Score
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