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JTNB BancorpJTNB +0.48%62 FCF Margin % is 24.23% as of Dec. 2025, which is 15% above its 10-year median of 21.11. GuruFocus rates JTNB with a GF Score™ of 62/100 and a GF Value™ of $15.25 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,502 Banks companies, JTNB Bancorp ranks worse than 52.53% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. JTNB Bancorp's Free Cash Flow for the
six
months ended in Dec. 2025 was $2.03 Mil. JTNB Bancorp's Revenue for the
six
months ended in Dec. 2025 was $8.37 Mil. Therefore, JTNB Bancorp's FCF Margin % for the quarter that ended in Dec. 2025 was 24.23%.
The historical rank and industry rank for JTNB Bancorp's FCF Margin % or its related term are showing as below:
JTNB'
s FCF Margin % Range Over the Past 10 Years
Min: 12.42 Med: 21.11 Max: 30.77
Current: 24.23
During the past 7 years, the highest FCF Margin % of JTNB Bancorp was 30.77%. The lowest was 12.42%. And the median was 21.11%.
JTNB's FCF Margin % is ranked worse than 52.53% of 1502
companies
in the Banks industry
Industry Median: 25.815
vs JTNB: 24.23
JTNB Bancorp FCF Margin % Related Terms
JTNB Bancorp FCF Margin % Historical Data
* Premium members only.
The historical data trend for JTNB Bancorp'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, JTNB 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.
JTNB Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, JTNB Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where JTNB 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.
JTNB Bancorp (JTNB) has a FCF Margin % of 24.23% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on JTNB Bancorp and its competitors. This is 15% above median its historical median of 21.11. Over the past decade, JTNB Bancorp's FCF Margin % has ranged from 12.42 to 30.77. According to the industry distribution chart, JTNB Bancorp ranks #789 out of 1502 companies in the Banks industry, placing it in the top 52.5%.
Is JTNB Bancorp's FCF Margin % too high?
JTNB Bancorp's current FCF Margin % of 24.23% is 15% above median its 10-year median of 21.11. Over the past 10 years, this metric has ranged from a low of 12.42 to a high of 30.77. The Banks industry median FCF Margin % is 25.82. JTNB Bancorp's value of 24.23% is 6.1% below this industry median. Based on the distribution chart, JTNB Bancorp ranks #789 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, JTNB Bancorp has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does JTNB Bancorp's FCF Margin % compare to FIDS and MSBB?
According to the Banks industry distribution chart, JTNB Bancorp ranks #789 out of 1502 companies for FCF Margin %. This places JTNB Bancorp in the lower half of its industry. The industry median FCF Margin % is 25.82. JTNB Bancorp's value of 24.23% is 6.1% below this benchmark. Historically, JTNB Bancorp's own FCF Margin % has ranged from 12.42 to 30.77 over the past decade. While the company's 10-year median is 21.11 vs. the industry median of 25.82, JTNB 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 25.82, 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. JTNB Bancorp's current FCF Margin % of 24.23% is 6.1% 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 JTNB Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 25.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JTNB Bancorp's current FCF Margin % is 24.23%, which is 15% above median its own 10-year median of 21.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JTNB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, JTNB Bancorp (JTNB) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.25, compared to a current price of $21.00 — trading 37.7% above its estimated fair value. The current FCF Margin % is 24.23%, which is 15% above median its 10-year median of 21.11 and 6.1% below the Banks industry median of 25.82. JTNB Bancorp's overall GF Score™ is 62/100 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 JTNB Bancorp (JTNB), the current FCF Margin % is 24.23% 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 JTNB Bancorp (JTNB) Overvalued in 2026?
Based on GuruFocus' analysis, JTNB Bancorp stock appears to be overvalued.
The current stock price of $21.00 is trading 37.7% above its estimated GF Value™ of $15.25.
GuruFocus considers JTNB Bancorp to be Significantly Overvalued.
Key valuation signals for JTNB:
FCF Margin %: 24.23% (15% above median its 10-year median of 21.11)
GF Value™: $15.25 vs. price of $21.00 (37.7% above fair value)
Industry Position: 6.1% below the Banks median (#789 of 1502)
No single metric tells the full story. See the JTNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JTNB Bancorp Inc operates as a commercial bank that offers various banking and financial products and services for individuals and small businesses. The bank offers services such as checking and savings facilities, mortgage loans, consumer loans, debit cards, credit cards, online banking, commercial loans, merchant processing, and others.
62GF 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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