PGNN (Paragon Financial Solutions) EV-to-FCF: (As of Aug. 03, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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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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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.

PGNN Paragon Financial Solutions Inc PGNN
74 GF Score
Price $14.10
GF Value $12.14
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Paragon Financial Solutions EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Paragon Financial Solutions's Enterprise Value is $80.40 Mil. Paragon Financial Solutions's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, Paragon Financial Solutions's EV-to-FCF for today is .

The historical rank and industry rank for Paragon Financial Solutions's EV-to-FCF or its related term are showing as below:

PGNN' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 8.65
Current: 8.65

During the past 12 years, the highest EV-to-FCF of Paragon Financial Solutions was 8.65. The lowest was 0.00. And the median was 0.00.

PGNN's EV-to-FCF is ranked worse than
54.96% of 1199 companies
in the Banks industry
Industry Median: 7.18 vs PGNN: 8.65

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.

As of today (2026-08-03), Paragon Financial Solutions's stock price is $14.10. Paragon Financial Solutions's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.700. Therefore, Paragon Financial Solutions's PE Ratio (TTM) for today is 8.29.


Paragon Financial Solutions  (OTCPK:PGNN) 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.

Paragon Financial Solutions's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=14.10/1.700
=8.29

Paragon Financial Solutions's share price for today is $14.10.
Paragon Financial Solutions's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.700.

* 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.


Paragon Financial Solutions EV-to-FCF Related Terms


Paragon Financial Solutions EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Paragon Financial Solutions'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.

Paragon Financial Solutions EV-to-FCF Chart

Paragon Financial Solutions Annual Data
Trend Dec07 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.47 10.00 14.99 -1.12 11.13

Paragon Financial Solutions Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 0.00 11.13 0.00

PGNN vs STBI, FBVI, FMFG: EV-to-FCF Comparison

For the Banks - Regional subindustry, Paragon Financial Solutions'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.


Paragon Financial Solutions EV-to-FCF vs Banks Industry

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

* The bar in red indicates where Paragon Financial Solutions's EV-to-FCF falls into.


PGNN
74GF Score
Paragon Financial Solutions Inc PGNN
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Paragon Financial Solutions EV-to-FCF Calculation

Paragon Financial Solutions's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=80.402/0
=

Paragon Financial Solutions's current Enterprise Value is $80.40 Mil.
Paragon Financial Solutions's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 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 Paragon Financial Solutions (PGNN) Overvalued in 2026?

Based on GuruFocus' analysis, Paragon Financial Solutions stock appears to be overvalued. The current stock price of $14.10 is trading 16.1% above its estimated GF Value™ of $12.14. GuruFocus considers Paragon Financial Solutions to be Modestly Overvalued.

Key valuation signals for PGNN:

  • EV-to-FCF:
  • GF Value™: $12.14 vs. price of $14.10 (16.1% above fair value)
  • GF Score™: 74/100 with 5 warning signs

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


Paragon Financial Solutions Business Description

Address 5400 Poplar Avenue, Suite 150, Memphis, TN, USA, 38119
Paragon Financial Solutions Inc is a bank that provides financial services to its customers in Tennessee; Mississippi; Georgia; and North Carolina. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate.
74GF Score

Get the complete analysis for PGNN

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

$14.10
Price
$12.14
GF Value