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The historical data trend for Civista 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.
FRA:44Q vs NPB, KRNY, CBNK: FCF Margin % Comparison
For the Banks - Regional subindustry, Civista 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.
Civista Bancshares FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Civista Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Civista 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.
Civista Bancshares (FRA:44Q) has a FCF Margin % of 25.23% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Civista Bancshares and its competitors. This is near median its historical median of 27.37. Over the past decade, Civista Bancshares' FCF Margin % has ranged from 13.63 to 36.99. According to the industry distribution chart, Civista Bancshares ranks #705 out of 1502 companies in the Banks industry, placing it in the top 46.9%.
Is Civista Bancshares' FCF Margin % too high?
Civista Bancshares' current FCF Margin % of 25.23% is near median its 10-year median of 27.37. Over the past 10 years, this metric has ranged from a low of 13.63 to a high of 36.99. The Banks industry median FCF Margin % is 25.85. Civista Bancshares' value of 25.23% is 2.4% below this industry median. Based on the distribution chart, Civista Bancshares ranks #705 out of 1502 companies in the Banks industry, which is above the industry midpoint. Overall, Civista Bancshares has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Civista Bancshares' FCF Margin % compare to NPB and KRNY?
According to the Banks industry distribution chart, Civista Bancshares ranks #705 out of 1502 companies for FCF Margin %. This puts Civista Bancshares in the upper half of its industry. The industry median FCF Margin % is 25.85. Civista Bancshares' value of 25.23% is 2.4% below this benchmark. Historically, Civista Bancshares' own FCF Margin % has ranged from 13.63 to 36.99 over the past decade. While the company's 10-year median is 27.37 vs. the industry median of 25.85, Civista 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 25.85, 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. Civista Bancshares's current FCF Margin % of 25.23% is 2.4% 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 Civista Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 25.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Civista Bancshares's current FCF Margin % is 25.23%, which is near median its own 10-year median of 27.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Civista Bancshares stock overvalued right now?
Civista Bancshares (FRA:44Q) has a current FCF Margin % of 25.23%. The stock's GF Value™ is €15.38, compared to a current price of €24.80 — trading 61.2% above its estimated fair value. The current FCF Margin % is 25.23%, which is near median its 10-year median of 27.37 and 2.4% below the Banks industry median of 25.85. Civista Bancshares' overall GF Score™ is 58/100 with 8 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 Civista Bancshares (FRA:44Q), the current FCF Margin % is 25.23% 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 Civista Bancshares (FRA:44Q) Overvalued in 2026?
Based on GuruFocus' analysis, Civista Bancshares stock appears to be overvalued.
The current stock price of €24.80 is trading 61.2% above its estimated GF Value™ of €15.38.
Key valuation signals for FRA:44Q:
FCF Margin %: 25.23% (near median its 10-year median of 27.37)
GF Value™: €15.38 vs. price of €24.80 (61.2% above fair value)
Industry Position: 2.4% below the Banks median (#705 of 1502)
No single metric tells the full story. See the FRA:44Q stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Civista Bancshares Inc is a financial holding company. Operating through its subsidiary, it engages in the business of community banking. Its business activity involves collecting customer deposits, making loans, purchasing securities, and offering trust services to its clients. The company's loan portfolio includes commercial and agricultural, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, and consumer loans. The majority of its revenues are derived from the interest and fees gained on loans.
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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