CB First Investment Bank ADFRA:834 -1.97%60 FCF Margin % is 59.73% as of Mar. 2026, which is 615% above its 10-year median of 8.35. GuruFocus rates FRA:834 with a GF Score™ of 60/100 and a GF Value™ of €4.51 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,505 Banks companies, CB First Investment Bank AD ranks better than 85.78% on this metric.
* 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, CB First Investment Bank AD'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.
CB First Investment Bank AD FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CB First Investment Bank AD's FCF Margin % distribution charts can be found below:
* The bar in red indicates where CB First Investment Bank AD'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.
CB First Investment Bank AD (FRA:834) has a FCF Margin % of 59.73% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CB First Investment Bank AD and its competitors. This is 615% above median its historical median of 8.35. According to the industry distribution chart, CB First Investment Bank AD ranks #214 out of 1505 companies in the Banks industry, placing it in the top 14.2%.
Is CB First Investment Bank AD's FCF Margin % too high?
CB First Investment Bank AD's current FCF Margin % of 59.73% is 615% above median its 10-year median of 8.35. The Banks industry median FCF Margin % is 26.55. CB First Investment Bank AD's value of 59.73% is 125% above this industry median. Based on the distribution chart, CB First Investment Bank AD ranks #214 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, CB First Investment Bank AD has a GF Score™ of 60/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CB First Investment Bank AD's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, CB First Investment Bank AD ranks #214 out of 1505 companies for FCF Margin %. This places CB First Investment Bank AD in the top 14% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. CB First Investment Bank AD's value of 59.73% is 125% above this benchmark. While the company's 10-year median is 8.35 vs. the industry median of 26.55, CB First Investment Bank AD 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 1,505 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. CB First Investment Bank AD's current FCF Margin % of 59.73% is 125% 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 CB First Investment Bank AD 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. CB First Investment Bank AD's current FCF Margin % is 59.73%, which is 615% above median its own 10-year median of 8.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB First Investment Bank AD stock overvalued right now?
Based on GuruFocus' analysis, CB First Investment Bank AD (FRA:834) is currently considered Significantly Undervalued. The stock's GF Value™ is €4.51, compared to a current price of €2.98 — trading 33.9% below its estimated fair value. The current FCF Margin % is 59.73%, which is 615% above median its 10-year median of 8.35 and 125% above the Banks industry median of 26.55. CB First Investment Bank AD's overall GF Score™ is 60/100 with 4 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 CB First Investment Bank AD (FRA:834), the current FCF Margin % is 59.73% 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 CB First Investment Bank AD (FRA:834) Overvalued in 2026?
Based on GuruFocus' analysis, CB First Investment Bank AD stock appears to be undervalued.
The current stock price of €2.98 is trading 33.9% below its estimated GF Value™ of €4.51.
GuruFocus considers CB First Investment Bank AD to be Significantly Undervalued.
Key valuation signals for FRA:834:
FCF Margin %: 59.73% (615% above median its 10-year median of 8.35)
GF Value™: €4.51 vs. price of €2.98 (33.9% below fair value)
Industry Position: 125% above the Banks median (#214 of 1505)
No single metric tells the full story. See the FRA:834 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CB First Investment Bank AD provides banking services. The company provides Retail banking; Microlending; SME banking; Corporate banking; Card payments; Digital banking; Trade financing; International payments; Corporate lending, and others. Geographically the group operates principally in Bulgaria but also has operations in Cyprus and Albania.
60GF Score
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