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FNBFIDS 63 FCF Margin % is 14.53% as of Dec. 2025, which is 38% below its 10-year median of 23.44. GuruFocus rates FIDS with a GF Score™ of 63/100 and a GF Value™ of $22.60 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,502 Banks companies, FNB ranks worse than 63.65% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. FNB's Free Cash Flow for the
six
months ended in Dec. 2025 was $1.87 Mil. FNB's Revenue for the
six
months ended in Dec. 2025 was $12.86 Mil. Therefore, FNB's FCF Margin % for the quarter that ended in Dec. 2025 was 14.53%.
The historical rank and industry rank for FNB's FCF Margin % or its related term are showing as below:
FIDS'
s FCF Margin % Range Over the Past 10 Years
Min: 8.32 Med: 23.44 Max: 38.45
Current: 14.53
During the past 12 years, the highest FCF Margin % of FNB was 38.45%. The lowest was 8.32%. And the median was 23.44%.
FIDS's FCF Margin % is ranked worse than 63.65% of 1502
companies
in the Banks industry
Industry Median: 25.74
vs FIDS: 14.53
FNB FCF Margin % Related Terms
FNB FCF Margin % Historical Data
* Premium members only.
The historical data trend for FNB'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, FNB'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.
FNB FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FNB's FCF Margin % distribution charts can be found below:
* The bar in red indicates where FNB'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.
FNB (FIDS) has a FCF Margin % of 14.53% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FNB and its competitors. This is 38% below median its historical median of 23.44. Over the past decade, FNB's FCF Margin % has ranged from 8.32 to 38.45. According to the industry distribution chart, FNB ranks #956 out of 1502 companies in the Banks industry, placing it in the top 63.6%.
Is FNB's FCF Margin % too high?
FNB's current FCF Margin % of 14.53% is 38% below median its 10-year median of 23.44. Over the past 10 years, this metric has ranged from a low of 8.32 to a high of 38.45. The Banks industry median FCF Margin % is 25.74. FNB's value of 14.53% is 43.6% below this industry median. Based on the distribution chart, FNB ranks #956 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, FNB has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FNB's FCF Margin % compare to MSBB and LOGN?
According to the Banks industry distribution chart, FNB ranks #956 out of 1502 companies for FCF Margin %. This places FNB in the lower half of its industry. The industry median FCF Margin % is 25.74. FNB's value of 14.53% is 43.6% below this benchmark. Historically, FNB's own FCF Margin % has ranged from 8.32 to 38.45 over the past decade. While the company's 10-year median is 23.44 vs. the industry median of 25.74, FNB 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 25.74, 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. FNB's current FCF Margin % of 14.53% is 43.6% 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 FNB and its competitors. For the Banks industry, the median FCF Margin % is 25.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FNB's current FCF Margin % is 14.53%, which is 38% below median its own 10-year median of 23.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FNB stock overvalued right now?
Based on GuruFocus' analysis, FNB (FIDS) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.60, compared to a current price of $29.92 — trading 32.4% above its estimated fair value. The current FCF Margin % is 14.53%, which is 38% below median its 10-year median of 23.44 and 43.6% below the Banks industry median of 25.74. FNB's overall GF Score™ is 63/100 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 FNB (FIDS), the current FCF Margin % is 14.53% 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 FNB (FIDS) Overvalued in 2026?
Based on GuruFocus' analysis, FNB stock appears to be overvalued.
The current stock price of $29.92 is trading 32.4% above its estimated GF Value™ of $22.60.
GuruFocus considers FNB to be Significantly Overvalued.
Key valuation signals for FIDS:
FCF Margin %: 14.53% (38% below median its 10-year median of 23.44)
GF Value™: $22.60 vs. price of $29.92 (32.4% above fair value)
Industry Position: 43.6% below the Banks median (#956 of 1502)
No single metric tells the full story. See the FIDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FNB Inc is a bank holding company. The Company, through its subsidiaries, provides banking products and services. The company has the following segments: Commercial Real Estate, Commercial and Industrial, Other Commercial, Installments, and Other segments, with the majority of revenue from Commercial Real Estate.
63GF Score
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