The historical rank and industry rank for Merchants Bancorp's FCF Margin % or its related term are showing as below:
MBIN'
s FCF Margin % Range Over the Past 10 Years
Min: -770.98 Med: -96.53 Max: 219.87
Current: -158.09
During the past 11 years, the highest FCF Margin % of Merchants Bancorp was 219.87%. The lowest was -770.98%. And the median was -96.53%.
MBIN's FCF Margin % is ranked worse than 95.01% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs MBIN: -158.09
Merchants Bancorp FCF Margin % Related Terms
Merchants Bancorp FCF Margin % Historical Data
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The historical data trend for Merchants 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, Merchants 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.
Merchants Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Merchants Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Merchants 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.
Merchants Bancorp (MBIN) has a FCF Margin % of -343.90% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Merchants Bancorp and its competitors. According to the industry distribution chart, Merchants Bancorp ranks #1429 out of 1504 companies in the Banks industry, placing it in the top 95%.
Is Merchants Bancorp's FCF Margin % too high?
Merchants Bancorp's current FCF Margin % is -343.90%. Based on the distribution chart, Merchants Bancorp ranks #1429 out of 1504 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Merchants Bancorp has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Merchants Bancorp's FCF Margin % compare to BANR and SYBT?
According to the Banks industry distribution chart, Merchants Bancorp ranks #1429 out of 1504 companies for FCF Margin %. This places Merchants Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.50. 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. 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 Merchants 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. Merchants Bancorp's current FCF Margin % is -343.90%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Merchants Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Merchants Bancorp (MBIN) is currently considered Modestly Overvalued. The stock's GF Value™ is $42.65, compared to a current price of $50.04 — trading 17.3% above its estimated fair value. The current FCF Margin % is -343.90%. Merchants Bancorp's overall GF Score™ is 78/100 with 10 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 Merchants Bancorp (MBIN), the current FCF Margin % is -343.90% as of Mar. 2026. 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 Merchants Bancorp (MBIN) Overvalued in 2026?
Based on GuruFocus' analysis, Merchants Bancorp stock appears to be overvalued.
The current stock price of $50.04 is trading 17.3% above its estimated GF Value™ of $42.65.
GuruFocus considers Merchants Bancorp to be Modestly Overvalued.
Key valuation signals for MBIN:
FCF Margin %: -343.90%
GF Value™: $42.65 vs. price of $50.04 (17.3% above fair value)
No single metric tells the full story. See the MBIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Merchants Bancorp is a United States-based bank holding company operating multiple lines of business focused on FHA multi-family housing and healthcare facility financing and servicing, retail and correspondent residential mortgage banking, and traditional community banking. Its segments include Multi-family Mortgage Banking, which originates and services government-sponsored mortgages for multi-family and healthcare facilities; Mortgage Warehousing, which offers mortgage warehouse financing, commercial loans and deposit services; and the Banking segment, which generates maximum revenue and provides portfolio lending for multi-family and healthcare facility loans, residential mortgage banking, agricultural lending, SBA lending and community banking.
78GF Score
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