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Boyle BancorpBYLB +0.39%61 FCF Margin % is 22.52% as of Dec. 2025, which is 0% below its 10-year median of 22.58. GuruFocus rates BYLB with a GF Score™ of 61/100 and a GF Value™ of $106.04 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,502 Banks companies, Boyle Bancorp ranks worse than 54.99% on this metric.
The historical data trend for Boyle Bancorp's FCF Margin % 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, Boyle Bancorp'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.
Boyle Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Boyle Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Boyle Bancorp'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.
Boyle Bancorp (BYLB) has a FCF Margin % of 22.52% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Boyle Bancorp and its competitors. This is near median its historical median of 22.58. Over the past decade, Boyle Bancorp's FCF Margin % has ranged from 19.62 to 27.45. According to the industry distribution chart, Boyle Bancorp ranks #826 out of 1502 companies in the Banks industry, placing it in the top 55%.
Is Boyle Bancorp's FCF Margin % too high?
Boyle Bancorp's current FCF Margin % of 22.52% is near median its 10-year median of 22.58. Over the past 10 years, this metric has ranged from a low of 19.62 to a high of 27.45. The Banks industry median FCF Margin % is 25.85. Boyle Bancorp's value of 22.52% is 12.9% below this industry median. Based on the distribution chart, Boyle Bancorp ranks #826 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, Boyle Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Boyle Bancorp's FCF Margin % compare to NMBF and OXBC?
According to the Banks industry distribution chart, Boyle Bancorp ranks #826 out of 1502 companies for FCF Margin %. This places Boyle Bancorp in the lower half of its industry. The industry median FCF Margin % is 25.85. Boyle Bancorp's value of 22.52% is 12.9% below this benchmark. Historically, Boyle Bancorp's own FCF Margin % has ranged from 19.62 to 27.45 over the past decade. While the company's 10-year median is 22.58 vs. the industry median of 25.85, Boyle 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.85, 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. Boyle Bancorp's current FCF Margin % of 22.52% is 12.9% 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 Boyle Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 25.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Boyle Bancorp's current FCF Margin % is 22.52%, which is near median its own 10-year median of 22.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Boyle Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Boyle Bancorp (BYLB) is currently considered Modestly Overvalued. The stock's GF Value™ is $106.04, compared to a current price of $127.50 — trading 20.2% above its estimated fair value. The current FCF Margin % is 22.52%, which is near median its 10-year median of 22.58 and 12.9% below the Banks industry median of 25.85. Boyle Bancorp's overall GF Score™ is 61/100 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 Boyle Bancorp (BYLB), the current FCF Margin % is 22.52% 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 Boyle Bancorp (BYLB) Overvalued in 2026?
Based on GuruFocus' analysis, Boyle Bancorp stock appears to be overvalued.
The current stock price of $127.50 is trading 20.2% above its estimated GF Value™ of $106.04.
GuruFocus considers Boyle Bancorp to be Modestly Overvalued.
Key valuation signals for BYLB:
FCF Margin %: 22.52% (near median its 10-year median of 22.58)
GF Value™: $106.04 vs. price of $127.50 (20.2% above fair value)
Industry Position: 12.9% below the Banks median (#826 of 1502)
No single metric tells the full story. See the BYLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Boyle Bancorp Inc operates as a bank holding company whose principal activity is the ownership and management of its wholly owned subsidiary, Farmers National Bank, Danville (Bank) and wholly owned subsidiary BYLB Investments. The Bank provides a full range of banking and financial services to individual and corporate customers in central Kentucky. The Company grants agribusiness, commercial and residential loans to customers throughout Kentucky.
61GF Score
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