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Cornerstone BancorpCNBP 61 FCF Margin % is 24.26% as of Dec. 2025, which is 6% below its 10-year median of 25.91. GuruFocus rates CNBP with a GF Score™ of 61/100 and a GF Value™ of $82.67 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,501 Banks companies, Cornerstone Bancorp ranks worse than 52.5% on this metric.
The historical data trend for Cornerstone 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, Cornerstone 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.
Cornerstone Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Cornerstone Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Cornerstone 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.
Cornerstone Bancorp (CNBP) has a FCF Margin % of 24.26% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Cornerstone Bancorp and its competitors. This is near median its historical median of 25.91. According to the industry distribution chart, Cornerstone Bancorp ranks #788 out of 1501 companies in the Banks industry, placing it in the top 52.5%.
Is Cornerstone Bancorp's FCF Margin % too high?
Cornerstone Bancorp's current FCF Margin % of 24.26% is near median its 10-year median of 25.91. The Banks industry median FCF Margin % is 26.12. Cornerstone Bancorp's value of 24.26% is 7.1% below this industry median. Based on the distribution chart, Cornerstone Bancorp ranks #788 out of 1501 companies in the Banks industry, which is below the industry midpoint. Overall, Cornerstone Bancorp has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cornerstone Bancorp's FCF Margin % compare to JDVB and MGYR?
According to the Banks industry distribution chart, Cornerstone Bancorp ranks #788 out of 1501 companies for FCF Margin %. This places Cornerstone Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.12. Cornerstone Bancorp's value of 24.26% is 7.1% below this benchmark. While the company's 10-year median is 25.91 vs. the industry median of 26.12, Cornerstone 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 26.12, based on 1,501 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. Cornerstone Bancorp's current FCF Margin % of 24.26% is 7.1% 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 Cornerstone Bancorp 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. Cornerstone Bancorp's current FCF Margin % is 24.26%, which is near median its own 10-year median of 25.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cornerstone Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Cornerstone Bancorp (CNBP) is currently considered Significantly Overvalued. The stock's GF Value™ is $82.67, compared to a current price of $120.10 — trading 45.3% above its estimated fair value. The current FCF Margin % is 24.26%, which is near median its 10-year median of 25.91 and 7.1% below the Banks industry median of 26.12. Cornerstone Bancorp's overall GF Score™ is 61/100 with 1 warning sign 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 Cornerstone Bancorp (CNBP), the current FCF Margin % is 24.26% 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 Cornerstone Bancorp (CNBP) Overvalued in 2026?
Based on GuruFocus' analysis, Cornerstone Bancorp stock appears to be overvalued.
The current stock price of $120.10 is trading 45.3% above its estimated GF Value™ of $82.67.
GuruFocus considers Cornerstone Bancorp to be Significantly Overvalued.
Key valuation signals for CNBP:
FCF Margin %: 24.26% (near median its 10-year median of 25.91)
GF Value™: $82.67 vs. price of $120.10 (45.3% above fair value)
Industry Position: 7.1% below the Banks median (#788 of 1501)
No single metric tells the full story. See the CNBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cornerstone Bancorp Inc provides financial services to individuals and businesses. The company's primary deposit products are demand deposits, savings, money market, and term certificate accounts, and its primary lending products are commercial and commercial mortgage loans. The company has a mortgage banking operation in which residential mortgage loans are originated and sold to the secondary market. The Corporation has one operating segment: community banking.
61GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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