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Primary BkPRMY +1.15%56 EV-to-FCF is 9.80 as of Jul. 27, 2026, which is 562% above its 10-year median of 1.48. GuruFocus rates PRMY with a GF Score™ of 56/100 and a GF Value™ of $25.68 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,197 Banks companies, Primary Bk ranks worse than 59.82% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Primary Bk's Enterprise Value is $105.01 Mil.
Primary Bk's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $10.72 Mil. Therefore, Primary Bk's EV-to-FCF for today is 9.80.
The historical rank and industry rank for Primary Bk's EV-to-FCF or its related term are showing as below:
PRMY'
s EV-to-FCF Range Over the Past 10 Years
Min: -31.23 Med: 1.48 Max: 9.84
Current: 9.8
During the past 7 years, the highest EV-to-FCF of Primary Bk was 9.84. The lowest was -31.23. And the median was 1.48.
PRMY's EV-to-FCF is ranked worse than 59.82% of 1197
companies
in the Banks industry
Industry Median: 6.85
vs PRMY: 9.80
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.
Primary Bk's share price for today is $35.25.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Primary Bk's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.400.
* 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.
Primary Bk EV-to-FCF Related Terms
Primary Bk EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Primary Bk'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, Primary Bk'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.
Primary Bk EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Primary Bk's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Primary Bk's EV-to-FCF falls into.
Primary Bk's current Enterprise Value is $105.01 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Primary Bk's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $10.72 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.
Primary Bk (PRMY) has a EV-to-FCF of 9.80 as of Jul. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Primary Bk and its competitors. This is 562% above median its historical median of 1.48. According to the industry distribution chart, Primary Bk ranks #716 out of 1197 companies in the Banks industry, placing it in the top 59.8%.
Is Primary Bk's EV-to-FCF too high?
Primary Bk's current EV-to-FCF of 9.80 is 562% above median its 10-year median of 1.48. The Banks industry median EV-to-FCF is 6.85. Primary Bk's value of 9.80 is 43.1% above this industry median. Based on the distribution chart, Primary Bk ranks #716 out of 1197 companies in the Banks industry, which is below the industry midpoint. Overall, Primary Bk has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primary Bk's EV-to-FCF compare to EMYB and MNSB?
According to the Banks industry distribution chart, Primary Bk ranks #716 out of 1197 companies for EV-to-FCF. This places Primary Bk in the lower half of its industry. The industry median EV-to-FCF is 6.85. Primary Bk's value of 9.80 is 43.1% above this benchmark. While the company's 10-year median is 1.48 vs. the industry median of 6.85, Primary Bk 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 6.85, based on 1,197 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. Primary Bk's current EV-to-FCF of 9.80 is 43.1% 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 Primary Bk and its competitors. For the Banks industry, the median EV-to-FCF is 6.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Primary Bk's current EV-to-FCF is 9.80, which is 562% above median its own 10-year median of 1.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primary Bk stock overvalued right now?
Based on GuruFocus' analysis, Primary Bk (PRMY) is currently considered Significantly Overvalued. The stock's GF Value™ is $25.68, compared to a current price of $35.25 — trading 37.3% above its estimated fair value. The current EV-to-FCF is 9.80, which is 562% above median its 10-year median of 1.48 and 43.1% above the Banks industry median of 6.85. Primary Bk's overall GF Score™ is 56/100 with 4 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 Primary Bk (PRMY), the current EV-to-FCF is 9.80 as of Jul. 27, 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 Primary Bk (PRMY) Overvalued in 2026?
Based on GuruFocus' analysis, Primary Bk stock appears to be overvalued.
The current stock price of $35.25 is trading 37.3% above its estimated GF Value™ of $25.68.
GuruFocus considers Primary Bk to be Significantly Overvalued.
Key valuation signals for PRMY:
EV-to-FCF: 9.80 (562% above median its 10-year median of 1.48)
GF Value™: $25.68 vs. price of $35.25 (37.3% above fair value)
Industry Position: 43.1% above the Banks median (#716 of 1197)
No single metric tells the full story. See the PRMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Primary Bk is a banking service provider. The services offered by the bank include online banking, mobile banking, remote deposit, cash management, and credit cards. The Bank provides a variety of financial services to small and medium-sized businesses, professionals, municipalities, and not-for-profit organizations through its offices in Bedford, Manchester, Derry, and Nashua, New Hampshire.
56GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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