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Keweenaw FinancialKEFI 40 FCF Margin % is 18.94% as of Dec. 2025, which is 30% below its 10-year median of 27.00. GuruFocus rates KEFI with a GF Score™ of 40/100 and a GF Value™ of $95.45 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,496 Banks companies, Keweenaw Financial ranks worse than 61.23% on this metric.
The historical data trend for Keweenaw 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.
Keweenaw Financial FCF Margin % Chart
Keweenaw Financial Annual Data
Trend
Dec21
Dec22
Dec23
Dec24
Dec25
FCF Margin %
52.36
27.00
28.85
10.38
18.94
Keweenaw Financial Semi-Annual Data
Dec21
Dec22
Dec23
Dec24
Dec25
FCF Margin %
52.36
27.00
28.85
10.38
18.94
KEFI vs OSBK, FFWC, NEFB: FCF Margin % Comparison
For the Banks - Regional subindustry, Keweenaw 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.
Keweenaw Financial FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Keweenaw Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Keweenaw 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.
Keweenaw Financial (KEFI) has a FCF Margin % of 18.94% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Keweenaw Financial and its competitors. This is 30% below median its historical median of 27.00. Over the past decade, Keweenaw Financial's FCF Margin % has ranged from 10.38 to 52.36. According to the industry distribution chart, Keweenaw Financial ranks #916 out of 1496 companies in the Banks industry, placing it in the top 61.2%.
Is Keweenaw Financial's FCF Margin % too high?
Keweenaw Financial's current FCF Margin % of 18.94% is 30% below median its 10-year median of 27.00. Over the past 10 years, this metric has ranged from a low of 10.38 to a high of 52.36. The Banks industry median FCF Margin % is 27.15. Keweenaw Financial's value of 18.94% is 30.2% below this industry median. Based on the distribution chart, Keweenaw Financial ranks #916 out of 1496 companies in the Banks industry, which is below the industry midpoint. Overall, Keweenaw Financial has a GF Score™ of 40/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Keweenaw Financial's FCF Margin % compare to OSBK and FFWC?
According to the Banks industry distribution chart, Keweenaw Financial ranks #916 out of 1496 companies for FCF Margin %. This places Keweenaw Financial in the lower half of its industry. The industry median FCF Margin % is 27.15. Keweenaw Financial's value of 18.94% is 30.2% below this benchmark. Historically, Keweenaw Financial's own FCF Margin % has ranged from 10.38 to 52.36 over the past decade. While the company's 10-year median is 27.00 vs. the industry median of 27.15, Keweenaw 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 27.15, based on 1,496 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. Keweenaw Financial's current FCF Margin % of 18.94% is 30.2% 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 Keweenaw Financial and its competitors. For the Banks industry, the median FCF Margin % is 27.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Keweenaw Financial's current FCF Margin % is 18.94%, which is 30% below median its own 10-year median of 27.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Keweenaw Financial stock overvalued right now?
Based on GuruFocus' analysis, Keweenaw Financial (KEFI) is currently considered Significantly Undervalued. The stock's GF Value™ is $95.45, compared to a current price of $48.00 — trading 49.7% below its estimated fair value. The current FCF Margin % is 18.94%, which is 30% below median its 10-year median of 27.00 and 30.2% below the Banks industry median of 27.15. Keweenaw Financial's overall GF Score™ is 40/100 with 1 warning sign 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 Keweenaw Financial (KEFI), the current FCF Margin % is 18.94% 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 Keweenaw Financial (KEFI) Overvalued in 2026?
Based on GuruFocus' analysis, Keweenaw Financial stock appears to be undervalued.
The current stock price of $48.00 is trading 49.7% below its estimated GF Value™ of $95.45.
GuruFocus considers Keweenaw Financial to be Significantly Undervalued.
Key valuation signals for KEFI:
FCF Margin %: 18.94% (30% below median its 10-year median of 27.00)
GF Value™: $95.45 vs. price of $48.00 (49.7% below fair value)
Industry Position: 30.2% below the Banks median (#916 of 1496)
No single metric tells the full story. See the KEFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Keweenaw Financial Corp provides a range of financial and trust services to individual and corporate customers. The Bank offers traditional banking products and services, including ATMs, online and telephone banking, and automated bill payment, along with commercial, real estate, and consumer lending. Its offerings also include various loan products, deposit accounts, online and mobile banking, investment management, retirement planning, credit and debit cards, safe deposit boxes, and other related financial services.
40GF 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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