Pontiac BancorpPONT -0.46%59 EV-to-FCF is 3.49 as of Jul. 01, 2026, which is 21% below its 10-year median of 4.40. GuruFocus rates PONT with a GF Score™ of 59/100 and a GF Value™ of $637.75 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,194 Banks companies, Pontiac Bancorp ranks better than 63.65% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Pontiac Bancorp's Enterprise Value is $62.22 Mil.
Pontiac Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $17.80 Mil. Therefore, Pontiac Bancorp's EV-to-FCF for today is 3.49.
The historical rank and industry rank for Pontiac Bancorp's EV-to-FCF or its related term are showing as below:
PONT'
s EV-to-FCF Range Over the Past 10 Years
Min: -10.93 Med: 4.4 Max: 10.42
Current: 3.46
During the past 7 years, the highest EV-to-FCF of Pontiac Bancorp was 10.42. The lowest was -10.93. And the median was 4.40.
PONT's EV-to-FCF is ranked better than 63.65% of 1194
companies
in the Banks industry
Industry Median: 6.565
vs PONT: 3.46
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.
Pontiac Bancorp's PE Ratio (TTM) for today is calculated as:
Pontiac Bancorp's share price for today is $654.75.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pontiac Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $73.400.
* 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.
Pontiac Bancorp EV-to-FCF Related Terms
Pontiac Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Pontiac 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, Pontiac 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.
Pontiac Bancorp EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Pontiac Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Pontiac Bancorp's EV-to-FCF falls into.
Pontiac Bancorp's current Enterprise Value is $62.22 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pontiac Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $17.80 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.
Pontiac Bancorp (PONT) has a EV-to-FCF of 3.49 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pontiac Bancorp and its competitors. This is 21% below median its historical median of 4.40. According to the industry distribution chart, Pontiac Bancorp ranks #434 out of 1194 companies in the Banks industry, placing it in the top 36.3%.
Is Pontiac Bancorp's EV-to-FCF too high?
Pontiac Bancorp's current EV-to-FCF of 3.49 is 21% below median its 10-year median of 4.40. The Banks industry median EV-to-FCF is 6.57. Pontiac Bancorp's value of 3.49 is 46.8% below this industry median. Based on the distribution chart, Pontiac Bancorp ranks #434 out of 1194 companies in the Banks industry, which is above the industry midpoint. Overall, Pontiac Bancorp has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pontiac Bancorp's EV-to-FCF compare to TYFG and ARBV?
According to the Banks industry distribution chart, Pontiac Bancorp ranks #434 out of 1194 companies for EV-to-FCF. This puts Pontiac Bancorp in the upper half of its industry. The industry median EV-to-FCF is 6.57. Pontiac Bancorp's value of 3.49 is 46.8% below this benchmark. While the company's 10-year median is 4.40 vs. the industry median of 6.57, Pontiac Bancorp has consistently been below 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 6.57, based on 1,194 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. Pontiac Bancorp's current EV-to-FCF of 3.49 is 46.8% 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 Pontiac Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pontiac Bancorp's current EV-to-FCF is 3.49, which is 21% below median its own 10-year median of 4.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pontiac Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pontiac Bancorp (PONT) is currently considered Fairly Valued. The stock's GF Value™ is $637.75, compared to a current price of $654.75 — trading 2.7% above its estimated fair value. The current EV-to-FCF is 3.49, which is 21% below median its 10-year median of 4.40 and 46.8% below the Banks industry median of 6.57. Pontiac Bancorp's overall GF Score™ is 59/100 with 1 warning sign 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 Pontiac Bancorp (PONT), the current EV-to-FCF is 3.49 as of Jul. 01, 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 Pontiac Bancorp (PONT) Overvalued in 2026?
Based on GuruFocus' analysis, Pontiac Bancorp stock appears to be overvalued.
The current stock price of $654.75 is trading 2.7% above its estimated GF Value™ of $637.75.
GuruFocus considers Pontiac Bancorp to be Fairly Valued.
Key valuation signals for PONT:
EV-to-FCF: 3.49 (21% below median its 10-year median of 4.40)
GF Value™: $637.75 vs. price of $654.75 (2.7% above fair value)
Industry Position: 46.8% below the Banks median (#434 of 1194)
No single metric tells the full story. See the PONT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pontiac Bancorp Inc is engaged in banking services. The company offers personal banking, business banking, lending, wealth management, and agriculture lending services. The bank grants agribusiness, commercial, residential, and personal loans to customers located in the bank's market area.
59GF Score
Get the complete analysis for PONT
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PONT has been successfully added to your 