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Summit Bank GroupSBKO +0.22%65 EV-to-FCF is 2.92 as of Aug. 02, 2026, which is 158% above its 10-year median of 1.13. GuruFocus rates SBKO with a GF Score™ of 65/100 and a GF Value™ of $16.49 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,200 Banks companies, Summit Bank Group ranks better than 68% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Summit Bank Group's Enterprise Value is $79.56 Mil.
Summit Bank Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $27.28 Mil. Therefore, Summit Bank Group's EV-to-FCF for today is 2.92.
The historical rank and industry rank for Summit Bank Group's EV-to-FCF or its related term are showing as below:
SBKO'
s EV-to-FCF Range Over the Past 10 Years
Min: -7.29 Med: 1.13 Max: 13.13
Current: 2.92
During the past 11 years, the highest EV-to-FCF of Summit Bank Group was 13.13. The lowest was -7.29. And the median was 1.13.
SBKO's EV-to-FCF is ranked better than 68% of 1200
companies
in the Banks industry
Industry Median: 7.22
vs SBKO: 2.92
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.
Summit Bank Group (OTCPK:SBKO) 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.
Summit Bank Group's PE Ratio (TTM) for today is calculated as:
Summit Bank Group's share price for today is $23.5416.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Summit Bank Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.830.
* 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.
Summit Bank Group EV-to-FCF Related Terms
Summit Bank Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Summit Bank Group'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, Summit Bank Group'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.
Summit Bank Group EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Summit Bank Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Summit Bank Group's EV-to-FCF falls into.
Summit Bank Group's current Enterprise Value is $79.56 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Summit Bank Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $27.28 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.
Summit Bank Group (SBKO) has a EV-to-FCF of 2.92 as of Aug. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Summit Bank Group and its competitors. This is 158% above median its historical median of 1.13. According to the industry distribution chart, Summit Bank Group ranks #384 out of 1200 companies in the Banks industry, placing it in the top 32%.
Is Summit Bank Group's EV-to-FCF too high?
Summit Bank Group's current EV-to-FCF of 2.92 is 158% above median its 10-year median of 1.13. The Banks industry median EV-to-FCF is 7.22. Summit Bank Group's value of 2.92 is 59.6% below this industry median. Based on the distribution chart, Summit Bank Group ranks #384 out of 1200 companies in the Banks industry, which is above the industry midpoint. Overall, Summit Bank Group has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bank Group's EV-to-FCF compare to MSWV and PLQC?
According to the Banks industry distribution chart, Summit Bank Group ranks #384 out of 1200 companies for EV-to-FCF. This puts Summit Bank Group in the upper half of its industry. The industry median EV-to-FCF is 7.22. Summit Bank Group's value of 2.92 is 59.6% below this benchmark. While the company's 10-year median is 1.13 vs. the industry median of 7.22, Summit Bank Group 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 7.22, based on 1,200 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. Summit Bank Group's current EV-to-FCF of 2.92 is 59.6% 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 Summit Bank Group and its competitors. For the Banks industry, the median EV-to-FCF is 7.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit Bank Group's current EV-to-FCF is 2.92, which is 158% above median its own 10-year median of 1.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit Bank Group stock overvalued right now?
Based on GuruFocus' analysis, Summit Bank Group (SBKO) is currently considered Significantly Overvalued. The stock's GF Value™ is $16.49, compared to a current price of $23.54 — trading 42.8% above its estimated fair value. The current EV-to-FCF is 2.92, which is 158% above median its 10-year median of 1.13 and 59.6% below the Banks industry median of 7.22. Summit Bank Group's overall GF Score™ is 65/100 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 Summit Bank Group (SBKO), the current EV-to-FCF is 2.92 as of Aug. 02, 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 Summit Bank Group (SBKO) Overvalued in 2026?
Based on GuruFocus' analysis, Summit Bank Group stock appears to be overvalued.
The current stock price of $23.54 is trading 42.8% above its estimated GF Value™ of $16.49.
GuruFocus considers Summit Bank Group to be Significantly Overvalued.
Key valuation signals for SBKO:
EV-to-FCF: 2.92 (158% above median its 10-year median of 1.13)
GF Value™: $16.49 vs. price of $23.54 (42.8% above fair value)
Industry Position: 59.6% below the Banks median (#384 of 1200)
No single metric tells the full story. See the SBKO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Summit Bank Group Inc provides commercial banking, financing, real estate lending and other services in Lane, Deschutes and Multnomah Counties in Oregon. It also specializes in providing high-level service to professionals and medium-sized businesses and their owners.
65GF Score
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