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CNB FinancialFRA:44I +1.38%58 FCF Margin % is 23.01% as of Mar. 2026, which is 2% below its 10-year median of 23.37. GuruFocus rates FRA:44I with a GF Score™ of 58/100 and a GF Value™ of €20.22. The stock has 6 warning signs investors should review. Among 1,499 Banks companies, CNB Financial ranks worse than 56.1% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. CNB Financial's Free Cash Flow for the
three
months ended in Mar. 2026 was €16.3 Mil. CNB Financial's Revenue for the
three
months ended in Mar. 2026 was €70.8 Mil. Therefore, CNB Financial's FCF Margin % for the quarter that ended in Mar. 2026 was 23.01%.
The historical rank and industry rank for CNB Financial's FCF Margin % or its related term are showing as below:
FRA:44I'
s FCF Margin % Range Over the Past 10 Years
Min: 14.48 Med: 23.37 Max: 34.03
Current: 20.54
During the past 13 years, the highest FCF Margin % of CNB Financial was 34.03%. The lowest was 14.48%. And the median was 23.37%.
FRA:44I's FCF Margin % is ranked worse than 56.1% of 1499
companies
in the Banks industry
Industry Median: 26.45
vs FRA:44I: 20.54
CNB Financial FCF Margin % Related Terms
CNB Financial FCF Margin % Historical Data
* Premium members only.
The historical data trend for CNB Financial'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:44I vs BFST, AMTB, FBAK: FCF Margin % Comparison
For the Banks - Regional subindustry, CNB Financial'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.
CNB Financial FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where CNB Financial'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.
CNB Financial (FRA:44I) has a FCF Margin % of 23.01% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CNB Financial and its competitors. This is near median its historical median of 23.37. Over the past decade, CNB Financial's FCF Margin % has ranged from 14.48 to 34.03. According to the industry distribution chart, CNB Financial ranks #841 out of 1499 companies in the Banks industry, placing it in the top 56.1%.
Is CNB Financial's FCF Margin % too high?
CNB Financial's current FCF Margin % of 23.01% is near median its 10-year median of 23.37. Over the past 10 years, this metric has ranged from a low of 14.48 to a high of 34.03. The Banks industry median FCF Margin % is 26.45. CNB Financial's value of 23.01% is 13% below this industry median. Based on the distribution chart, CNB Financial ranks #841 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, CNB Financial has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does CNB Financial's FCF Margin % compare to BFST and AMTB?
According to the Banks industry distribution chart, CNB Financial ranks #841 out of 1499 companies for FCF Margin %. This places CNB Financial in the lower half of its industry. The industry median FCF Margin % is 26.45. CNB Financial's value of 23.01% is 13% below this benchmark. Historically, CNB Financial's own FCF Margin % has ranged from 14.48 to 34.03 over the past decade. While the company's 10-year median is 23.37 vs. the industry median of 26.45, CNB Financial 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 26.45, based on 1,499 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. CNB Financial's current FCF Margin % of 23.01% is 13% 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 CNB Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial's current FCF Margin % is 23.01%, which is near median its own 10-year median of 23.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNB Financial stock overvalued right now?
CNB Financial (FRA:44I) has a current FCF Margin % of 23.01%. The stock's GF Value™ is €20.22, compared to a current price of €29.40 — trading 45.4% above its estimated fair value. The current FCF Margin % is 23.01%, which is near median its 10-year median of 23.37 and 13% below the Banks industry median of 26.45. CNB Financial's overall GF Score™ is 58/100 with 6 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 CNB Financial (FRA:44I), the current FCF Margin % is 23.01% 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 CNB Financial (FRA:44I) Overvalued in 2026?
Based on GuruFocus' analysis, CNB Financial stock appears to be overvalued.
The current stock price of €29.40 is trading 45.4% above its estimated GF Value™ of €20.22.
Key valuation signals for FRA:44I:
FCF Margin %: 23.01% (near median its 10-year median of 23.37)
GF Value™: €20.22 vs. price of €29.40 (45.4% above fair value)
Industry Position: 13% below the Banks median (#841 of 1499)
No single metric tells the full story. See the FRA:44I stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNB Financial Corp is a Pennsylvania-chartered bank. The bank is a full-service bank engaging in a full range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; real estate, commercial, industrial, residential and consumer loans; and a variety of other specialized financial services. Its Private Client Solutions division offers a full range of client services, including private banking and wealth and asset management. The banking segment derives its revenue through the operations as a full-service bank services, including trust and wealth management services, for individual, business, governmental, and institutional customers.
58GF 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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