RWCB (Redwood Capital Bancorp) EV-to-FCF: (As of Jul. 31, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
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.

RWCB Redwood Capital Bancorp RWCB
61 GF Score
Price $32.95
GF Value $23.74
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Redwood Capital Bancorp EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Redwood Capital Bancorp's Enterprise Value is $46.76 Mil. Redwood Capital Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, Redwood Capital Bancorp's EV-to-FCF for today is .

The historical rank and industry rank for Redwood Capital Bancorp's EV-to-FCF or its related term are showing as below:

RWCB' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 8.23
Current: 7.91

During the past 9 years, the highest EV-to-FCF of Redwood Capital Bancorp was 8.23. The lowest was 0.00. And the median was 0.00.

RWCB's EV-to-FCF is ranked worse than
52.64% of 1191 companies
in the Banks industry
Industry Median: 7.15 vs RWCB: 7.91

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 (2026-07-31), Redwood Capital Bancorp's stock price is $32.95. Redwood Capital Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $2.779. Therefore, Redwood Capital Bancorp's PE Ratio (TTM) for today is 11.86.


Redwood Capital Bancorp  (OTCPK:RWCB) 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.

Redwood Capital Bancorp's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=32.95/2.779
=11.86

Redwood Capital Bancorp's share price for today is $32.95.
Redwood Capital Bancorp'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 $2.779.

* 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 Capital Bancorp EV-to-FCF Related Terms


Redwood Capital Bancorp EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Redwood Capital 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.

Redwood Capital Bancorp EV-to-FCF Chart

Redwood Capital Bancorp Annual Data
Trend Dec04 Dec05 Dec06 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only -3.94 1.93 7.76 4.10 5.66

Redwood Capital Bancorp Quarterly Data
Dec06 Mar07 Jun07 Sep07 Dec20 Dec21 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 5.66 0.00

RWCB vs CEFC, HLFN, FFBW: EV-to-FCF Comparison

For the Banks - Regional subindustry, Redwood Capital 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.


Redwood Capital Bancorp EV-to-FCF vs Banks Industry

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

* The bar in red indicates where Redwood Capital Bancorp's EV-to-FCF falls into.


RWCB
61GF Score
Redwood Capital Bancorp RWCB
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Redwood Capital Bancorp EV-to-FCF Calculation

Redwood Capital Bancorp's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=46.756/0
=

Redwood Capital Bancorp's current Enterprise Value is $46.76 Mil.
Redwood Capital Bancorp'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 Redwood Capital Bancorp (RWCB) Overvalued in 2026?

Based on GuruFocus' analysis, Redwood Capital Bancorp stock appears to be overvalued. The current stock price of $32.95 is trading 38.8% above its estimated GF Value™ of $23.74. GuruFocus considers Redwood Capital Bancorp to be Significantly Overvalued.

Key valuation signals for RWCB:

  • EV-to-FCF:
  • GF Value™: $23.74 vs. price of $32.95 (38.8% above fair value)
  • GF Score™: 61/100 with 6 warning signs

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


Redwood Capital Bancorp Business Description

Address 332 Harris Street, Suite A, Eureka, CA, USA, 95501
Redwood Capital Bancorp through its subsidiary provides various banking products and services. The company offers commercial, industrial, agricultural, residential and personal credit and other banking services through its branches located in Eureka, Fortuna, and Arcata, California. The Company has determined that its business is comprised of a single operating segment. Redwood Capital Bank has two branches in Eureka, one in Fortuna and one in Arcata, California.
61GF Score

Get the complete analysis for RWCB

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

$32.95
Price
$23.74
GF Value