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Empire BancsharesEBSH 52 FCF Margin % is 18.32% as of Dec. 2025, which is 13% above its 10-year median of 16.20. GuruFocus rates EBSH with a GF Score™ of 52/100 and a GF Value™ of $23.52 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,502 Banks companies, Empire Bancshares ranks worse than 60.45% on this metric.
The historical data trend for Empire Bancshares'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, Empire 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.
Empire Bancshares FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Empire Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Empire 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.
Empire Bancshares (EBSH) has a FCF Margin % of 18.32% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Empire Bancshares and its competitors. This is 13% above median its historical median of 16.20. Over the past decade, Empire Bancshares' FCF Margin % has ranged from 2.21 to 30.87. According to the industry distribution chart, Empire Bancshares ranks #908 out of 1502 companies in the Banks industry, placing it in the top 60.5%.
Is Empire Bancshares' FCF Margin % too high?
Empire Bancshares' current FCF Margin % of 18.32% is 13% above median its 10-year median of 16.20. Over the past 10 years, this metric has ranged from a low of 2.21 to a high of 30.87. The Banks industry median FCF Margin % is 26.12. Empire Bancshares' value of 18.32% is 29.9% below this industry median. Based on the distribution chart, Empire Bancshares ranks #908 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, Empire Bancshares has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Empire Bancshares' FCF Margin % compare to GWBK and MNBO?
According to the Banks industry distribution chart, Empire Bancshares ranks #908 out of 1502 companies for FCF Margin %. This places Empire Bancshares in the lower half of its industry. The industry median FCF Margin % is 26.12. Empire Bancshares' value of 18.32% is 29.9% below this benchmark. Historically, Empire Bancshares' own FCF Margin % has ranged from 2.21 to 30.87 over the past decade. While the company's 10-year median is 16.20 vs. the industry median of 26.12, Empire 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. Empire Bancshares's current FCF Margin % of 18.32% is 29.9% 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 Empire 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. Empire Bancshares's current FCF Margin % is 18.32%, which is 13% above median its own 10-year median of 16.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Empire Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Empire Bancshares (EBSH) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.52, compared to a current price of $41.63 — trading 77% above its estimated fair value. The current FCF Margin % is 18.32%, which is 13% above median its 10-year median of 16.20 and 29.9% below the Banks industry median of 26.12. Empire Bancshares' overall GF Score™ is 52/100 with 5 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 Empire Bancshares (EBSH), the current FCF Margin % is 18.32% 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 Empire Bancshares (EBSH) Overvalued in 2026?
Based on GuruFocus' analysis, Empire Bancshares stock appears to be overvalued.
The current stock price of $41.63 is trading 77% above its estimated GF Value™ of $23.52.
GuruFocus considers Empire Bancshares to be Significantly Overvalued.
Key valuation signals for EBSH:
FCF Margin %: 18.32% (13% above median its 10-year median of 16.20)
GF Value™: $23.52 vs. price of $41.63 (77% above fair value)
Industry Position: 29.9% below the Banks median (#908 of 1502)
No single metric tells the full story. See the EBSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Empire Bancshares Inc, through its subsidiary, is engaged in providing banking products and services. The Bank's principal services include accepting deposits and making loans. Loan and deposit customers are mainly located in northwestern Ohio and northeastern Indiana, and include a wide range of individuals, businesses, and other organizations. A portion of loans is secured by various forms of collateral, including real estate, business assets, consumer property, and other items, although borrower cash flow is generally the primary source of repayment.
52GF Score
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