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.
Bank of Labor BancsharesBHDB 56 FCF Margin % is 22.03% as of Dec. 2025, which is 8% above its 10-year median of 20.48. GuruFocus rates BHDB with a GF Score™ of 56/100 and a GF Value™ of $60.47 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,502 Banks companies, Bank of Labor Bancshares ranks worse than 55.73% on this metric.
* 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, Bank of Labor Bancshares's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.
Bank of Labor Bancshares FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Labor Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Bank of Labor Bancshares's FCF Margin % falls into.
* 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.
Bank of Labor Bancshares (BHDB) has a FCF Margin % of 22.03% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank of Labor Bancshares and its competitors. This is near median its historical median of 20.48. Over the past decade, Bank of Labor Bancshares' FCF Margin % has ranged from 2.37 to 35.15. According to the industry distribution chart, Bank of Labor Bancshares ranks #837 out of 1502 companies in the Banks industry, placing it in the top 55.7%.
Is Bank of Labor Bancshares' FCF Margin % too high?
Bank of Labor Bancshares' current FCF Margin % of 22.03% is near median its 10-year median of 20.48. Over the past 10 years, this metric has ranged from a low of 2.37 to a high of 35.15. The Banks industry median FCF Margin % is 26.12. Bank of Labor Bancshares' value of 22.03% is 15.7% below this industry median. Based on the distribution chart, Bank of Labor Bancshares ranks #837 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, Bank of Labor Bancshares has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Labor Bancshares' FCF Margin % compare to HCKG and EFSG?
According to the Banks industry distribution chart, Bank of Labor Bancshares ranks #837 out of 1502 companies for FCF Margin %. This places Bank of Labor Bancshares in the lower half of its industry. The industry median FCF Margin % is 26.12. Bank of Labor Bancshares' value of 22.03% is 15.7% below this benchmark. Historically, Bank of Labor Bancshares' own FCF Margin % has ranged from 2.37 to 35.15 over the past decade. While the company's 10-year median is 20.48 vs. the industry median of 26.12, Bank of Labor Bancshares 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.12, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Labor Bancshares's current FCF Margin % of 22.03% is 15.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank of Labor Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Labor Bancshares's current FCF Margin % is 22.03%, which is near median its own 10-year median of 20.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Labor Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Bank of Labor Bancshares (BHDB) is currently considered Significantly Overvalued. The stock's GF Value™ is $60.47, compared to a current price of $124.00 — trading 105.1% above its estimated fair value. The current FCF Margin % is 22.03%, which is near median its 10-year median of 20.48 and 15.7% below the Banks industry median of 26.12. Bank of Labor Bancshares' overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Bank of Labor Bancshares (BHDB), the current FCF Margin % is 22.03% as of Dec. 2025. 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 Bank of Labor Bancshares (BHDB) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Labor Bancshares stock appears to be overvalued.
The current stock price of $124.00 is trading 105.1% above its estimated GF Value™ of $60.47.
GuruFocus considers Bank of Labor Bancshares to be Significantly Overvalued.
Key valuation signals for BHDB:
FCF Margin %: 22.03% (near median its 10-year median of 20.48)
GF Value™: $60.47 vs. price of $124.00 (105.1% above fair value)
Industry Position: 15.7% below the Banks median (#837 of 1502)
No single metric tells the full story. See the BHDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Labor Bancshares Inc is a bank holding company offering personal and commercial banking services. The bank's portfolio include Real Estate segment, Commercial Segment, Consumer and others segment. The services provided by the bank include Personal banking services, Business services, Lending services, Trust and investment services, card services, online banking, and others.
56GF Score
Get the complete analysis for BHDB
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BHDB has been successfully added to your 
