Hamlin Bank and Trust CoHMLN 71 FCF Margin % is 18.17% as of Dec. 2025, which is 41% below its 10-year median of 30.94. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $273.02 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,509 Banks companies, Hamlin Bank and Trust Co ranks worse than 60.24% 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, Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co (HMLN) has a FCF Margin % of 18.17% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Hamlin Bank and Trust Co and its competitors. This is 41% below median its historical median of 30.94. Over the past decade, Hamlin Bank and Trust Co's FCF Margin % has ranged from 14.89 to 68.07. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #909 out of 1509 companies in the Banks industry, placing it in the top 60.2%.
Is Hamlin Bank and Trust Co's FCF Margin % too high?
Hamlin Bank and Trust Co's current FCF Margin % of 18.17% is 41% below median its 10-year median of 30.94. Over the past 10 years, this metric has ranged from a low of 14.89 to a high of 68.07. The Banks industry median FCF Margin % is 26.55. Hamlin Bank and Trust Co's value of 18.17% is 31.6% below this industry median. Based on the distribution chart, Hamlin Bank and Trust Co ranks #909 out of 1509 companies in the Banks industry, which is below the industry midpoint. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's FCF Margin % compare to SOBS and BKOR?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #909 out of 1509 companies for FCF Margin %. This places Hamlin Bank and Trust Co in the lower half of its industry. The industry median FCF Margin % is 26.55. Hamlin Bank and Trust Co's value of 18.17% is 31.6% below this benchmark. Historically, Hamlin Bank and Trust Co's own FCF Margin % has ranged from 14.89 to 68.07 over the past decade. While the company's 10-year median is 30.94 vs. the industry median of 26.55, Hamlin Bank and Trust Co 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 26.55, based on 1,509 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. Hamlin Bank and Trust Co's current FCF Margin % of 18.17% is 31.6% 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 Hamlin Bank and Trust Co 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. Hamlin Bank and Trust Co's current FCF Margin % is 18.17%, which is 41% below median its own 10-year median of 30.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $273.02, compared to a current price of $240.00 — trading 12.1% below its estimated fair value. The current FCF Margin % is 18.17%, which is 41% below median its 10-year median of 30.94 and 31.6% below the Banks industry median of 26.55. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 with 3 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 Hamlin Bank and Trust Co (HMLN), the current FCF Margin % is 18.17% 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued.
The current stock price of $240.00 is trading 12.1% below its estimated GF Value™ of $273.02.
GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.
Key valuation signals for HMLN:
FCF Margin %: 18.17% (41% below median its 10-year median of 30.94)
GF Value™: $273.02 vs. price of $240.00 (12.1% below fair value)
Industry Position: 31.6% below the Banks median (#909 of 1509)
No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score
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