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.
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.
Triad Business BankTBBC 67 EV-to-FCF is 16.04 as of Aug. 02, 2026, which is 14% above its 10-year median of 14.02. GuruFocus rates TBBC with a GF Score™ of 67/100 and a GF Value™ of $5.43 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,200 Banks companies, Triad Business Bank ranks worse than 76.25% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Triad Business Bank's Enterprise Value is $43.74 Mil.
Triad Business Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.73 Mil. Therefore, Triad Business Bank's EV-to-FCF for today is 16.04.
The historical rank and industry rank for Triad Business Bank's EV-to-FCF or its related term are showing as below:
TBBC'
s EV-to-FCF Range Over the Past 10 Years
Min: -15.22 Med: 14.02 Max: 111.88
Current: 16.04
During the past 6 years, the highest EV-to-FCF of Triad Business Bank was 111.88. The lowest was -15.22. And the median was 14.02.
TBBC's EV-to-FCF is ranked worse than 76.25% of 1200
companies
in the Banks industry
Industry Median: 7.22
vs TBBC: 16.04
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.
Triad Business Bank (OTCPK:TBBC) 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.
Triad Business Bank's PE Ratio (TTM) for today is calculated as:
Triad Business Bank's share price for today is $6.51.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Triad Business Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.170.
* 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.
Triad Business Bank EV-to-FCF Related Terms
Triad Business Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Triad Business Bank'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, Triad Business Bank'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.
Triad Business Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Triad Business Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Triad Business Bank's EV-to-FCF falls into.
Triad Business Bank's current Enterprise Value is $43.74 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Triad Business Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.73 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.
Triad Business Bank (TBBC) has a EV-to-FCF of 16.04 as of Aug. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Triad Business Bank and its competitors. This is 14% above median its historical median of 14.02. According to the industry distribution chart, Triad Business Bank ranks #915 out of 1200 companies in the Banks industry, placing it in the top 76.2%.
Is Triad Business Bank's EV-to-FCF too high?
Triad Business Bank's current EV-to-FCF of 16.04 is 14% above median its 10-year median of 14.02. The Banks industry median EV-to-FCF is 7.22. Triad Business Bank's value of 16.04 is 122.2% above this industry median. Based on the distribution chart, Triad Business Bank ranks #915 out of 1200 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Triad Business Bank has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Triad Business Bank's EV-to-FCF compare to DENI and FGFI?
According to the Banks industry distribution chart, Triad Business Bank ranks #915 out of 1200 companies for EV-to-FCF. This places Triad Business Bank in the lower half of its industry. The industry median EV-to-FCF is 7.22. Triad Business Bank's value of 16.04 is 122.2% above this benchmark. While the company's 10-year median is 14.02 vs. the industry median of 7.22, Triad Business Bank 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 7.22, 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. Triad Business Bank's current EV-to-FCF of 16.04 is 122.2% 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 Triad Business Bank 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. Triad Business Bank's current EV-to-FCF is 16.04, which is 14% above median its own 10-year median of 14.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Triad Business Bank stock overvalued right now?
Based on GuruFocus' analysis, Triad Business Bank (TBBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $5.43, compared to a current price of $6.51 — trading 19.9% above its estimated fair value. The current EV-to-FCF is 16.04, which is 14% above median its 10-year median of 14.02 and 122.2% above the Banks industry median of 7.22. Triad Business Bank's overall GF Score™ is 67/100 with 2 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 Triad Business Bank (TBBC), the current EV-to-FCF is 16.04 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 Triad Business Bank (TBBC) Overvalued in 2026?
Based on GuruFocus' analysis, Triad Business Bank stock appears to be overvalued.
The current stock price of $6.51 is trading 19.9% above its estimated GF Value™ of $5.43.
GuruFocus considers Triad Business Bank to be Modestly Overvalued.
Key valuation signals for TBBC:
EV-to-FCF: 16.04 (14% above median its 10-year median of 14.02)
GF Value™: $5.43 vs. price of $6.51 (19.9% above fair value)
Industry Position: 122.2% above the Banks median (#915 of 1200)
No single metric tells the full story. See the TBBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Triad Business Bank is engaged in the provision of financial products and services operating through its banking offices in the Triad region of North Carolina, USA. It offers a range of private banking, commercial banking, and treasury solutions, which include products and services like checking accounts, debit cards and online services, loans, money market accounts, and cash management solutions, among others.
67GF Score
Get the complete analysis for TBBC
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TBBC has been successfully added to your 
