West Shore BankWSSH 56 EV-to-FCF is 8.33 as of Jul. 12, 2026, which is 13% below its 10-year median of 9.52. GuruFocus rates WSSH with a GF Score™ of 56/100 and a GF Value™ of $35.01 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,199 Banks companies, West Shore Bank ranks worse than 55.55% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, West Shore Bank's Enterprise Value is $66.65 Mil.
West Shore Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $8.00 Mil. Therefore, West Shore Bank's EV-to-FCF for today is 8.33.
The historical rank and industry rank for West Shore Bank's EV-to-FCF or its related term are showing as below:
WSSH'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.55 Med: 9.52 Max: 106.51
Current: 8.33
During the past 7 years, the highest EV-to-FCF of West Shore Bank was 106.51. The lowest was 1.55. And the median was 9.52.
WSSH's EV-to-FCF is ranked worse than 55.55% of 1199
companies
in the Banks industry
Industry Median: 6.56
vs WSSH: 8.33
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.
West Shore Bank (OTCPK:WSSH) 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.
West Shore Bank's PE Ratio (TTM) for today is calculated as:
West Shore Bank's share price for today is $43.05.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. West Shore Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.090.
* 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.
West Shore Bank EV-to-FCF Related Terms
West Shore Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for West Shore 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, West Shore 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.
West Shore Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, West Shore Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where West Shore Bank's EV-to-FCF falls into.
West Shore Bank's current Enterprise Value is $66.65 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. West Shore Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $8.00 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.
West Shore Bank (WSSH) has a EV-to-FCF of 8.33 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on West Shore Bank and its competitors. This is 13% below median its historical median of 9.52. Over the past decade, West Shore Bank's EV-to-FCF has ranged from 1.55 to 106.51. According to the industry distribution chart, West Shore Bank ranks #666 out of 1199 companies in the Banks industry, placing it in the top 55.5%.
Is West Shore Bank's EV-to-FCF too high?
West Shore Bank's current EV-to-FCF of 8.33 is 13% below median its 10-year median of 9.52. Over the past 10 years, this metric has ranged from a low of 1.55 to a high of 106.51. The Banks industry median EV-to-FCF is 6.56. West Shore Bank's value of 8.33 is 27% above this industry median. Based on the distribution chart, West Shore Bank ranks #666 out of 1199 companies in the Banks industry, which is below the industry midpoint. Overall, West Shore Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's EV-to-FCF compare to GVYB and TBBC?
According to the Banks industry distribution chart, West Shore Bank ranks #666 out of 1199 companies for EV-to-FCF. This places West Shore Bank in the lower half of its industry. The industry median EV-to-FCF is 6.56. West Shore Bank's value of 8.33 is 27% above this benchmark. Historically, West Shore Bank's own EV-to-FCF has ranged from 1.55 to 106.51 over the past decade. While the company's 10-year median is 9.52 vs. the industry median of 6.56, West Shore 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 6.56, based on 1,199 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. West Shore Bank's current EV-to-FCF of 8.33 is 27% 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 West Shore Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. West Shore Bank's current EV-to-FCF is 8.33, which is 13% below median its own 10-year median of 9.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is West Shore Bank stock overvalued right now?
Based on GuruFocus' analysis, West Shore Bank (WSSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $35.01, compared to a current price of $43.05 — trading 23% above its estimated fair value. The current EV-to-FCF is 8.33, which is 13% below median its 10-year median of 9.52 and 27% above the Banks industry median of 6.56. West Shore Bank's overall GF Score™ is 56/100 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 West Shore Bank (WSSH), the current EV-to-FCF is 8.33 as of Jul. 12, 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 West Shore Bank (WSSH) Overvalued in 2026?
Based on GuruFocus' analysis, West Shore Bank stock appears to be overvalued.
The current stock price of $43.05 is trading 23% above its estimated GF Value™ of $35.01.
GuruFocus considers West Shore Bank to be Modestly Overvalued.
Key valuation signals for WSSH:
EV-to-FCF: 8.33 (13% below median its 10-year median of 9.52)
GF Value™: $35.01 vs. price of $43.05 (23% above fair value)
Industry Position: 27% above the Banks median (#666 of 1199)
No single metric tells the full story. See the WSSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
West Shore Bank Corp is a provider of banking and financial service. The banks services include time savings, demand deposits and checking account services; commercial, consumer and mortgage loan services; treasury and cash management services; wealth management and investment services; telephone banking, Internet banking and mobile banking services; safe deposit, and automated transaction machine (ATM/ITM) services, among others.
56GF Score
Get the complete analysis for WSSH
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
WSSH has been successfully added to your 