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Redwood FinancialREDW -5.24%63 EV-to-FCF is 24.89 as of Jul. 31, 2026, which is 142% above its 10-year median of 10.28. GuruFocus rates REDW with a GF Score™ of 63/100 and a GF Value™ of $190.48 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,191 Banks companies, Redwood Financial ranks worse than 86.06% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Redwood Financial's Enterprise Value is $93.63 Mil.
Redwood Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $3.76 Mil. Therefore, Redwood Financial's EV-to-FCF for today is 24.89.
The historical rank and industry rank for Redwood Financial's EV-to-FCF or its related term are showing as below:
REDW'
s EV-to-FCF Range Over the Past 10 Years
Min: -71.51 Med: 10.28 Max: 110.14
Current: 24.89
During the past 7 years, the highest EV-to-FCF of Redwood Financial was 110.14. The lowest was -71.51. And the median was 10.28.
REDW's EV-to-FCF is ranked worse than 86.06% of 1191
companies
in the Banks industry
Industry Median: 7.24
vs REDW: 24.89
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.
Redwood Financial's PE Ratio (TTM) for today is calculated as:
Redwood Financial's share price for today is $185.25.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Redwood Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $13.120.
* 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.
Redwood Financial EV-to-FCF Related Terms
Redwood Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Redwood Financial'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, Redwood Financial'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.
Redwood Financial EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Redwood Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Redwood Financial's EV-to-FCF falls into.
Redwood Financial's current Enterprise Value is $93.63 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Redwood Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $3.76 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.
Redwood Financial (REDW) has a EV-to-FCF of 24.89 as of Jul. 31, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Redwood Financial and its competitors. This is 142% above median its historical median of 10.28. According to the industry distribution chart, Redwood Financial ranks #1025 out of 1191 companies in the Banks industry, placing it in the top 86.1%.
Is Redwood Financial's EV-to-FCF too high?
Redwood Financial's current EV-to-FCF of 24.89 is 142% above median its 10-year median of 10.28. The Banks industry median EV-to-FCF is 7.24. Redwood Financial's value of 24.89 is 243.8% above this industry median. Based on the distribution chart, Redwood Financial ranks #1025 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Redwood Financial has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Redwood Financial's EV-to-FCF compare to FSEA and PBKX?
According to the Banks industry distribution chart, Redwood Financial ranks #1025 out of 1191 companies for EV-to-FCF. This places Redwood Financial in the lower half of its industry. The industry median EV-to-FCF is 7.24. Redwood Financial's value of 24.89 is 243.8% above this benchmark. While the company's 10-year median is 10.28 vs. the industry median of 7.24, Redwood Financial 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 7.24, based on 1,191 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. Redwood Financial's current EV-to-FCF of 24.89 is 243.8% 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 Redwood Financial and its competitors. For the Banks industry, the median EV-to-FCF is 7.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Redwood Financial's current EV-to-FCF is 24.89, which is 142% above median its own 10-year median of 10.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Redwood Financial stock overvalued right now?
Based on GuruFocus' analysis, Redwood Financial (REDW) is currently considered Fairly Valued. The stock's GF Value™ is $190.48, compared to a current price of $185.25 — trading 2.7% below its estimated fair value. The current EV-to-FCF is 24.89, which is 142% above median its 10-year median of 10.28 and 243.8% above the Banks industry median of 7.24. Redwood Financial's overall GF Score™ is 63/100 with 3 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 Redwood Financial (REDW), the current EV-to-FCF is 24.89 as of Jul. 31, 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 Redwood Financial (REDW) Overvalued in 2026?
Based on GuruFocus' analysis, Redwood Financial stock appears to be undervalued.
The current stock price of $185.25 is trading 2.7% below its estimated GF Value™ of $190.48.
GuruFocus considers Redwood Financial to be Fairly Valued.
Key valuation signals for REDW:
EV-to-FCF: 24.89 (142% above median its 10-year median of 10.28)
GF Value™: $190.48 vs. price of $185.25 (2.7% below fair value)
Industry Position: 243.8% above the Banks median (#1025 of 1191)
No single metric tells the full story. See the REDW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Redwood Financial Inc is a state-chartered bank. The Bank provides a variety of financial services to the areas of south central and south western Minnesota, and the south metropolitan area, including mortgage, commercial, agricultural, and consumer lending products and various deposit and savings plans.
63GF Score
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