MBT BancsharesMBKL +0.37%62 FCF Margin % is 21.90% as of Dec. 2025, which is at its 10-year median of 21.90. GuruFocus rates MBKL with a GF Score™ of 62/100 and a GF Value™ of $24.39 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, MBT Bancshares ranks worse than 56.32% on this metric.
The historical rank and industry rank for MBT Bancshares's FCF Margin % or its related term are showing as below:
MBKL'
s FCF Margin % Range Over the Past 10 Years
Min: -4.65 Med: 21.9 Max: 49.25
Current: 21.9
During the past 13 years, the highest FCF Margin % of MBT Bancshares was 49.25%. The lowest was -4.65%. And the median was 21.90%.
MBKL's FCF Margin % is ranked worse than 56.32% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs MBKL: 21.90
MBT Bancshares FCF Margin % Related Terms
MBT Bancshares FCF Margin % Historical Data
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The historical data trend for MBT Bancshares'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, MBT Bancshares'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.
MBT Bancshares FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MBT Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where MBT Bancshares'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.
MBT Bancshares (MBKL) has a FCF Margin % of 21.90% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on MBT Bancshares and its competitors. This is near median its historical median of 21.90. According to the industry distribution chart, MBT Bancshares ranks #847 out of 1504 companies in the Banks industry, placing it in the top 56.3%.
Is MBT Bancshares' FCF Margin % too high?
MBT Bancshares' current FCF Margin % of 21.90% is near median its 10-year median of 21.90. The Banks industry median FCF Margin % is 26.50. MBT Bancshares' value of 21.90% is 17.4% below this industry median. Based on the distribution chart, MBT Bancshares ranks #847 out of 1504 companies in the Banks industry, which is below the industry midpoint. Overall, MBT Bancshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MBT Bancshares' FCF Margin % compare to FFWC and LSFG?
According to the Banks industry distribution chart, MBT Bancshares ranks #847 out of 1504 companies for FCF Margin %. This places MBT Bancshares in the lower half of its industry. The industry median FCF Margin % is 26.50. MBT Bancshares' value of 21.90% is 17.4% below this benchmark. While the company's 10-year median is 21.90 vs. the industry median of 26.50, MBT Bancshares 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 26.50, 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. MBT Bancshares's current FCF Margin % of 21.90% is 17.4% 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 MBT Bancshares 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. MBT Bancshares's current FCF Margin % is 21.90%, which is near median its own 10-year median of 21.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBT Bancshares stock overvalued right now?
Based on GuruFocus' analysis, MBT Bancshares (MBKL) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.39, compared to a current price of $27.10 — trading 11.1% above its estimated fair value. The current FCF Margin % is 21.90%, which is near median its 10-year median of 21.90 and 17.4% below the Banks industry median of 26.50. MBT Bancshares' 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 MBT Bancshares (MBKL), the current FCF Margin % is 21.90% 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 MBT Bancshares (MBKL) Overvalued in 2026?
Based on GuruFocus' analysis, MBT Bancshares stock appears to be overvalued.
The current stock price of $27.10 is trading 11.1% above its estimated GF Value™ of $24.39.
GuruFocus considers MBT Bancshares to be Modestly Overvalued.
Key valuation signals for MBKL:
FCF Margin %: 21.90% (near median its 10-year median of 21.90)
GF Value™: $24.39 vs. price of $27.10 (11.1% above fair value)
Industry Position: 17.4% below the Banks median (#847 of 1504)
No single metric tells the full story. See the MBKL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MBT Bancshares Inc is a United States-based company providing commercial banking services. It offers personal banking and business banking services. The services portfolio includes online banking service, checking accounts service, savings account facility, card services, and other services.
62GF Score
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