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Security BancorpSCYT -2.38%58 EV-to-FCF is 5.10 as of Aug. 02, 2026, which is 530% above its 10-year median of 0.81. GuruFocus rates SCYT with a GF Score™ of 58/100 and a GF Value™ of $88.84 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,200 Banks companies, Security Bancorp ranks better than 57.25% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Security Bancorp's Enterprise Value is $29.98 Mil.
Security Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.88 Mil. Therefore, Security Bancorp's EV-to-FCF for today is 5.10.
The historical rank and industry rank for Security Bancorp's EV-to-FCF or its related term are showing as below:
SCYT'
s EV-to-FCF Range Over the Past 10 Years
Min: -15.63 Med: 0.81 Max: 5.66
Current: 5.1
During the past 13 years, the highest EV-to-FCF of Security Bancorp was 5.66. The lowest was -15.63. And the median was 0.81.
SCYT's EV-to-FCF is ranked better than 57.25% of 1200
companies
in the Banks industry
Industry Median: 7.22
vs SCYT: 5.10
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.
Security Bancorp's PE Ratio (TTM) for today is calculated as:
Security Bancorp's share price for today is $123.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Security Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $14.390.
* 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.
Security Bancorp EV-to-FCF Related Terms
Security Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Security 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, Security 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.
Security Bancorp EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Security Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Security Bancorp's EV-to-FCF falls into.
Security Bancorp's current Enterprise Value is $29.98 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Security Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.88 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.
Security Bancorp (SCYT) has a EV-to-FCF of 5.10 as of Aug. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Security Bancorp and its competitors. This is 530% above median its historical median of 0.81. According to the industry distribution chart, Security Bancorp ranks #513 out of 1200 companies in the Banks industry, placing it in the top 42.7%.
Is Security Bancorp's EV-to-FCF too high?
Security Bancorp's current EV-to-FCF of 5.10 is 530% above median its 10-year median of 0.81. The Banks industry median EV-to-FCF is 7.22. Security Bancorp's value of 5.10 is 29.4% below this industry median. Based on the distribution chart, Security Bancorp ranks #513 out of 1200 companies in the Banks industry, which is above the industry midpoint. Overall, Security Bancorp has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Security Bancorp's EV-to-FCF compare to PVBK and WDFN?
According to the Banks industry distribution chart, Security Bancorp ranks #513 out of 1200 companies for EV-to-FCF. This puts Security Bancorp in the upper half of its industry. The industry median EV-to-FCF is 7.22. Security Bancorp's value of 5.10 is 29.4% below this benchmark. While the company's 10-year median is 0.81 vs. the industry median of 7.22, Security 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 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. Security Bancorp's current EV-to-FCF of 5.10 is 29.4% 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 Security Bancorp 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. Security Bancorp's current EV-to-FCF is 5.10, which is 530% above median its own 10-year median of 0.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Security Bancorp (SCYT) is currently considered Significantly Overvalued. The stock's GF Value™ is $88.84, compared to a current price of $123.00 — trading 38.5% above its estimated fair value. The current EV-to-FCF is 5.10, which is 530% above median its 10-year median of 0.81 and 29.4% below the Banks industry median of 7.22. Security Bancorp's overall GF Score™ is 58/100 with 6 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 Security Bancorp (SCYT), the current EV-to-FCF is 5.10 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 Security Bancorp (SCYT) Overvalued in 2026?
Based on GuruFocus' analysis, Security Bancorp stock appears to be overvalued.
The current stock price of $123.00 is trading 38.5% above its estimated GF Value™ of $88.84.
GuruFocus considers Security Bancorp to be Significantly Overvalued.
Key valuation signals for SCYT:
EV-to-FCF: 5.10 (530% above median its 10-year median of 0.81)
GF Value™: $88.84 vs. price of $123.00 (38.5% above fair value)
Industry Position: 29.4% below the Banks median (#513 of 1200)
No single metric tells the full story. See the SCYT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security Bancorp Inc is a bank holding company. The company is a community-oriented financial institution organized to address the needs of McMinnville and Warren County. It is engaged in attracting deposits from the general public and using those funds to originate one to four-family mortgage loans. Its services include mobile banking, online banking, personal checking, business checking, savings accounts, CD's, and telephone banking.
58GF 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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