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Steele BancorpSTLE +0.02%47 EV-to-FCF is 34.77 as of Aug. 01, 2026, which is 376% above its 10-year median of 7.31. GuruFocus rates STLE with a GF Score™ of 47/100 and a GF Value™ of $28.36 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,191 Banks companies, Steele Bancorp ranks worse than 90.43% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Steele Bancorp's Enterprise Value is $188.30 Mil.
Steele Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2024 was $5.42 Mil. Therefore, Steele Bancorp's EV-to-FCF for today is 34.77.
The historical rank and industry rank for Steele Bancorp's EV-to-FCF or its related term are showing as below:
STLE'
s EV-to-FCF Range Over the Past 10 Years
Min: -2.32 Med: 7.31 Max: 34.77
Current: 34.77
During the past 6 years, the highest EV-to-FCF of Steele Bancorp was 34.77. The lowest was -2.32. And the median was 7.31.
STLE's EV-to-FCF is ranked worse than 90.43% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs STLE: 34.77
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.
Steele Bancorp's PE Ratio (TTM) for today is calculated as:
Steele Bancorp's share price for today is $47.99.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Steele Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2024 was $2.410.
* 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.
Steele Bancorp EV-to-FCF Related Terms
Steele Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Steele 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, Steele 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.
Steele Bancorp EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Steele Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Steele Bancorp's EV-to-FCF falls into.
Steele Bancorp's current Enterprise Value is $188.30 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Steele Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2024 was $5.42 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.
Steele Bancorp (STLE) has a EV-to-FCF of 34.77 as of Aug. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Steele Bancorp and its competitors. This is 376% above median its historical median of 7.31. According to the industry distribution chart, Steele Bancorp ranks #1077 out of 1191 companies in the Banks industry, placing it in the top 90.4%.
Is Steele Bancorp's EV-to-FCF too high?
Steele Bancorp's current EV-to-FCF of 34.77 is 376% above median its 10-year median of 7.31. The Banks industry median EV-to-FCF is 7.15. Steele Bancorp's value of 34.77 is 386.3% above this industry median. Based on the distribution chart, Steele Bancorp ranks #1077 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Steele Bancorp has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Steele Bancorp's EV-to-FCF compare to EDVR and SSBI?
According to the Banks industry distribution chart, Steele Bancorp ranks #1077 out of 1191 companies for EV-to-FCF. This places Steele Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.15. Steele Bancorp's value of 34.77 is 386.3% above this benchmark. While the company's 10-year median is 7.31 vs. the industry median of 7.15, Steele Bancorp 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 7.15, 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. Steele Bancorp's current EV-to-FCF of 34.77 is 386.3% 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 Steele Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Steele Bancorp's current EV-to-FCF is 34.77, which is 376% above median its own 10-year median of 7.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Steele Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Steele Bancorp (STLE) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.36, compared to a current price of $47.99 — trading 69.2% above its estimated fair value. The current EV-to-FCF is 34.77, which is 376% above median its 10-year median of 7.31 and 386.3% above the Banks industry median of 7.15. Steele Bancorp's overall GF Score™ is 47/100 with 7 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 Steele Bancorp (STLE), the current EV-to-FCF is 34.77 as of Aug. 01, 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 Steele Bancorp (STLE) Overvalued in 2026?
Based on GuruFocus' analysis, Steele Bancorp stock appears to be overvalued.
The current stock price of $47.99 is trading 69.2% above its estimated GF Value™ of $28.36.
GuruFocus considers Steele Bancorp to be Significantly Overvalued.
Key valuation signals for STLE:
EV-to-FCF: 34.77 (376% above median its 10-year median of 7.31)
GF Value™: $28.36 vs. price of $47.99 (69.2% above fair value)
Industry Position: 386.3% above the Banks median (#1077 of 1191)
No single metric tells the full story. See the STLE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Steele Bancorp Inc Formerly Mifflinburg Bancorp Inc is a United States-based commercial bank. Its principal activities and sources of revenues are commercial, mortgage, residential real estate, and consumer loan financing as well as a variety of deposit services provided to customers.
47GF Score
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