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HFB FinancialHFBA 54 FCF Margin % is 25.17% as of Dec. 2025, which is 17% above its 10-year median of 21.58. GuruFocus rates HFBA with a GF Score™ of 54/100 and a GF Value™ of $36.39 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,502 Banks companies, HFB Financial ranks worse than 51.33% on this metric.
The historical data trend for HFB 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.
For the Banks - Regional subindustry, HFB 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.
HFB Financial FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, HFB Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where HFB 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.
HFB Financial (HFBA) has a FCF Margin % of 25.17% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on HFB Financial and its competitors. This is 17% above median its historical median of 21.58. According to the industry distribution chart, HFB Financial ranks #771 out of 1502 companies in the Banks industry, placing it in the top 51.3%.
Is HFB Financial's FCF Margin % too high?
HFB Financial's current FCF Margin % of 25.17% is 17% above median its 10-year median of 21.58. The Banks industry median FCF Margin % is 26.12. HFB Financial's value of 25.17% is 3.6% below this industry median. Based on the distribution chart, HFB Financial ranks #771 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, HFB Financial has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HFB Financial's FCF Margin % compare to HCBC and TMAK?
According to the Banks industry distribution chart, HFB Financial ranks #771 out of 1502 companies for FCF Margin %. This places HFB Financial in the lower half of its industry. The industry median FCF Margin % is 26.12. HFB Financial's value of 25.17% is 3.6% below this benchmark. While the company's 10-year median is 21.58 vs. the industry median of 26.12, HFB 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 26.12, 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. HFB Financial's current FCF Margin % of 25.17% is 3.6% 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 HFB Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HFB Financial's current FCF Margin % is 25.17%, which is 17% above median its own 10-year median of 21.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HFB Financial stock overvalued right now?
Based on GuruFocus' analysis, HFB Financial (HFBA) is currently considered Fairly Valued. The stock's GF Value™ is $36.39, compared to a current price of $38.00 — trading 4.4% above its estimated fair value. The current FCF Margin % is 25.17%, which is 17% above median its 10-year median of 21.58 and 3.6% below the Banks industry median of 26.12. HFB Financial's overall GF Score™ is 54/100 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 HFB Financial (HFBA), the current FCF Margin % is 25.17% 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 HFB Financial (HFBA) Overvalued in 2026?
Based on GuruFocus' analysis, HFB Financial stock appears to be overvalued.
The current stock price of $38.00 is trading 4.4% above its estimated GF Value™ of $36.39.
GuruFocus considers HFB Financial to be Fairly Valued.
Key valuation signals for HFBA:
FCF Margin %: 25.17% (17% above median its 10-year median of 21.58)
GF Value™: $36.39 vs. price of $38.00 (4.4% above fair value)
Industry Position: 3.6% below the Banks median (#771 of 1502)
No single metric tells the full story. See the HFBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HFB Financial Corp is a United States-based company providing a full range of banking and financial services to individuals and corporate customers, mainly in Bell County, Kentucky, and surrounding areas in Tennessee and Virginia. It offers checking, savings, money market, certificates of deposit, health savings, and individual retirement accounts, along with overdraft and card services. The Company also provides loans, online banking, investment, and insurance-related services.
54GF 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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