Great American BancorpGTPS 74 FCF Margin % is 15.45% as of Dec. 2025, which is 44% above its 10-year median of 10.74. GuruFocus rates GTPS with a GF Score™ of 74/100 and a GF Value™ of $63.72 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, Great American Bancorp ranks worse than 63.03% 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, Great American Bancorp'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.
Great American Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Great American Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Great American Bancorp'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.
Great American Bancorp (GTPS) has a FCF Margin % of 15.45% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Great American Bancorp and its competitors. This is 44% above median its historical median of 10.74. According to the industry distribution chart, Great American Bancorp ranks #948 out of 1504 companies in the Banks industry, placing it in the top 63%.
Is Great American Bancorp's FCF Margin % too high?
Great American Bancorp's current FCF Margin % of 15.45% is 44% above median its 10-year median of 10.74. The Banks industry median FCF Margin % is 26.50. Great American Bancorp's value of 15.45% is 41.7% below this industry median. Based on the distribution chart, Great American Bancorp ranks #948 out of 1504 companies in the Banks industry, which is below the industry midpoint. Overall, Great American Bancorp has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Great American Bancorp's FCF Margin % compare to MNBO and HRBK?
According to the Banks industry distribution chart, Great American Bancorp ranks #948 out of 1504 companies for FCF Margin %. This places Great American Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.50. Great American Bancorp's value of 15.45% is 41.7% below this benchmark. While the company's 10-year median is 10.74 vs. the industry median of 26.50, Great American Bancorp 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 26.50, based on 1,504 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. Great American Bancorp's current FCF Margin % of 15.45% is 41.7% 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 Great American Bancorp 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. Great American Bancorp's current FCF Margin % is 15.45%, which is 44% above median its own 10-year median of 10.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Great American Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Great American Bancorp (GTPS) is currently considered Modestly Overvalued. The stock's GF Value™ is $63.72, compared to a current price of $71.00 — trading 11.4% above its estimated fair value. The current FCF Margin % is 15.45%, which is 44% above median its 10-year median of 10.74 and 41.7% below the Banks industry median of 26.50. Great American Bancorp's overall GF Score™ is 74/100 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 Great American Bancorp (GTPS), the current FCF Margin % is 15.45% as of Dec. 2025. 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 Great American Bancorp (GTPS) Overvalued in 2026?
Based on GuruFocus' analysis, Great American Bancorp stock appears to be overvalued.
The current stock price of $71.00 is trading 11.4% above its estimated GF Value™ of $63.72.
GuruFocus considers Great American Bancorp to be Modestly Overvalued.
Key valuation signals for GTPS:
FCF Margin %: 15.45% (44% above median its 10-year median of 10.74)
GF Value™: $63.72 vs. price of $71.00 (11.4% above fair value)
Industry Position: 41.7% below the Banks median (#948 of 1504)
No single metric tells the full story. See the GTPS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Great American Bancorp Inc is a holding company whose principal activity is the ownership and management of its wholly-owned subsidiary, First Federal Savings Bank of Champaign-Urbana (Bank). The Bank is engaged in providing a full range of banking and financial services to individual and corporate customers in Champaign County, Illinois. The Bank also provides full-service brokerage activities through a third-party broker-dealer and engages in the sale of tax-deferred annuities. The Bank's subsidiary offers insurance services to customers located in Illinois.
74GF Score
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