Preferred BankFRA:1IU +1.10%68 FCF Margin % is 63.59% as of Mar. 2026, which is 11% above its 10-year median of 57.19. GuruFocus rates FRA:1IU with a GF Score™ of 68/100 and a GF Value™ of €79.00. The stock has 5 warning signs investors should review. Among 1,509 Banks companies, Preferred Bank ranks better than 77.47% on this metric.
The historical rank and industry rank for Preferred Bank's FCF Margin % or its related term are showing as below:
FRA:1IU'
s FCF Margin % Range Over the Past 10 Years
Min: 38.4 Med: 57.19 Max: 61.48
Current: 58.21
During the past 13 years, the highest FCF Margin % of Preferred Bank was 61.48%. The lowest was 38.40%. And the median was 57.19%.
FRA:1IU's FCF Margin % is ranked better than 77.47% of 1509
companies
in the Banks industry
Industry Median: 26.55
vs FRA:1IU: 58.21
Preferred Bank FCF Margin % Related Terms
Preferred Bank FCF Margin % Historical Data
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The historical data trend for Preferred Bank'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.
FRA:1IU vs HFWA, AGBK, MCB: FCF Margin % Comparison
For the Banks - Regional subindustry, Preferred Bank'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.
Preferred Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Preferred Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Preferred Bank'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.
Preferred Bank (FRA:1IU) has a FCF Margin % of 63.59% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Preferred Bank and its competitors. This is 11% above median its historical median of 57.19. Over the past decade, Preferred Bank's FCF Margin % has ranged from 38.40 to 61.48. According to the industry distribution chart, Preferred Bank ranks #340 out of 1509 companies in the Banks industry, placing it in the top 22.5%.
Is Preferred Bank's FCF Margin % too high?
Preferred Bank's current FCF Margin % of 63.59% is 11% above median its 10-year median of 57.19. Over the past 10 years, this metric has ranged from a low of 38.40 to a high of 61.48. The Banks industry median FCF Margin % is 26.55. Preferred Bank's value of 63.59% is 139.5% above this industry median. Based on the distribution chart, Preferred Bank ranks #340 out of 1509 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Preferred Bank has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Preferred Bank's FCF Margin % compare to HFWA and AGBK?
According to the Banks industry distribution chart, Preferred Bank ranks #340 out of 1509 companies for FCF Margin %. This places Preferred Bank in the top 23% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Preferred Bank's value of 63.59% is 139.5% above this benchmark. Historically, Preferred Bank's own FCF Margin % has ranged from 38.40 to 61.48 over the past decade. While the company's 10-year median is 57.19 vs. the industry median of 26.55, Preferred Bank has consistently been above 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 26.55, based on 1,509 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. Preferred Bank's current FCF Margin % of 63.59% is 139.5% above 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 Preferred Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Preferred Bank's current FCF Margin % is 63.59%, which is 11% above median its own 10-year median of 57.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Preferred Bank stock overvalued right now?
Preferred Bank (FRA:1IU) has a current FCF Margin % of 63.59%. The stock's GF Value™ is €79.00, compared to a current price of €91.50 — trading 15.8% above its estimated fair value. The current FCF Margin % is 63.59%, which is 11% above median its 10-year median of 57.19 and 139.5% above the Banks industry median of 26.55. Preferred Bank's overall GF Score™ is 68/100 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 Preferred Bank (FRA:1IU), the current FCF Margin % is 63.59% as of Mar. 2026. 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 Preferred Bank (FRA:1IU) Overvalued in 2026?
Based on GuruFocus' analysis, Preferred Bank stock appears to be overvalued.
The current stock price of €91.50 is trading 15.8% above its estimated GF Value™ of €79.00.
Key valuation signals for FRA:1IU:
FCF Margin %: 63.59% (11% above median its 10-year median of 57.19)
GF Value™: €79.00 vs. price of €91.50 (15.8% above fair value)
Industry Position: 139.5% above the Banks median (#340 of 1509)
No single metric tells the full story. See the FRA:1IU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Preferred Bank is a commercial bank located in California. Its products and services are divided into Personal Banking, Business Banking, and Commercial Banking, which include Checking accounts, Savings accounts, CDs, Loans and Credit, Electronic banking, and Treasury Management. It provides personalized deposit services, real estate finance, commercial loans, and trade finance credit facilities to small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, professionals, and high-net-worth individuals.
68GF Score
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