Carter BanksharesFRA:6NH +0.76%61 FCF Margin % is 285.51% as of Mar. 2026, which is 922% above its 10-year median of 27.93. GuruFocus rates FRA:6NH with a GF Score™ of 61/100 and a GF Value™ of €25.72 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,508 Banks companies, Carter Bankshares ranks better than 90.85% on this metric.
The historical rank and industry rank for Carter Bankshares's FCF Margin % or its related term are showing as below:
FRA:6NH'
s FCF Margin % Range Over the Past 10 Years
Min: -1.89 Med: 27.93 Max: 151.01
Current: 151.01
During the past 13 years, the highest FCF Margin % of Carter Bankshares was 151.01%. The lowest was -1.89%. And the median was 27.93%.
FRA:6NH's FCF Margin % is ranked better than 90.85% of 1508
companies
in the Banks industry
Industry Median: 26.5
vs FRA:6NH: 151.01
Carter Bankshares FCF Margin % Related Terms
Carter Bankshares FCF Margin % Historical Data
* Premium members only.
The historical data trend for Carter Bankshares'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:6NH vs IBCP, CWBC, FISI: FCF Margin % Comparison
For the Banks - Regional subindustry, Carter Bankshares'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.
Carter Bankshares FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Carter Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Carter Bankshares'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.
Carter Bankshares (FRA:6NH) has a FCF Margin % of 285.51% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Carter Bankshares and its competitors. This is 922% above median its historical median of 27.93. According to the industry distribution chart, Carter Bankshares ranks #138 out of 1508 companies in the Banks industry, placing it in the top 9.2%.
Is Carter Bankshares' FCF Margin % too high?
Carter Bankshares' current FCF Margin % of 285.51% is 922% above median its 10-year median of 27.93. The Banks industry median FCF Margin % is 26.50. Carter Bankshares' value of 285.51% is 977.4% above this industry median. Based on the distribution chart, Carter Bankshares ranks #138 out of 1508 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Carter Bankshares has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Carter Bankshares' FCF Margin % compare to IBCP and CWBC?
According to the Banks industry distribution chart, Carter Bankshares ranks #138 out of 1508 companies for FCF Margin %. This places Carter Bankshares in the top 9% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.50. Carter Bankshares' value of 285.51% is 977.4% above this benchmark. While the company's 10-year median is 27.93 vs. the industry median of 26.50, Carter Bankshares 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 26.50, based on 1,508 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. Carter Bankshares's current FCF Margin % of 285.51% is 977.4% 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 Carter Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Carter Bankshares's current FCF Margin % is 285.51%, which is 922% above median its own 10-year median of 27.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Carter Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Carter Bankshares (FRA:6NH) is currently considered Fairly Valued. The stock's GF Value™ is €25.72, compared to a current price of €26.60 — trading 3.4% above its estimated fair value. The current FCF Margin % is 285.51%, which is 922% above median its 10-year median of 27.93 and 977.4% above the Banks industry median of 26.50. Carter Bankshares' overall GF Score™ is 61/100 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 Carter Bankshares (FRA:6NH), the current FCF Margin % is 285.51% 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 Carter Bankshares (FRA:6NH) Overvalued in 2026?
Based on GuruFocus' analysis, Carter Bankshares stock appears to be overvalued.
The current stock price of €26.60 is trading 3.4% above its estimated GF Value™ of €25.72.
GuruFocus considers Carter Bankshares to be Fairly Valued.
Key valuation signals for FRA:6NH:
FCF Margin %: 285.51% (922% above median its 10-year median of 27.93)
GF Value™: €25.72 vs. price of €26.60 (3.4% above fair value)
Industry Position: 977.4% above the Banks median (#138 of 1508)
No single metric tells the full story. See the FRA:6NH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Carter Bankshares Inc is a bank holding company that conducts its business solely through the bank. The Bank earns revenue from interest on loans and securities and fees charged for financial services provided to customers. It offers a full range of deposit services including Lifetime Free Checking, interest checking accounts, savings accounts, retirement accounts and other deposit accounts of various types, ranging from money market accounts to longer-term CDs. The Bank offers a full range of commercial and consumer loans. The Bank also originates and holds fixed and variable-rate mortgage loans and offers home equity lines of credit to its customers.
61GF Score
Get the complete analysis for FRA:6NH
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:6NH has been successfully added to your 
