The historical rank and industry rank for Mercer Bancorp's FCF Margin % or its related term are showing as below:
MSBB'
s FCF Margin % Range Over the Past 10 Years
Min: -137.35 Med: -22.87 Max: 18.21
Current: 8.18
During the past 4 years, the highest FCF Margin % of Mercer Bancorp was 18.21%. The lowest was -137.35%. And the median was -22.87%.
MSBB's FCF Margin % is ranked worse than 68.5% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs MSBB: 8.18
Mercer Bancorp FCF Margin % Related Terms
Mercer Bancorp FCF Margin % Historical Data
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The historical data trend for Mercer 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, Mercer 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.
Mercer Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Mercer Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Mercer 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.
Mercer Bancorp (MSBB) has a FCF Margin % of 16.78% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Mercer Bancorp and its competitors. According to the industry distribution chart, Mercer Bancorp ranks #1031 out of 1505 companies in the Banks industry, placing it in the top 68.5%.
Is Mercer Bancorp's FCF Margin % too high?
Mercer Bancorp's current FCF Margin % is 16.78%. The Banks industry median FCF Margin % is 26.55. Mercer Bancorp's value of 16.78% is 36.8% below this industry median. Based on the distribution chart, Mercer Bancorp ranks #1031 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Mercer Bancorp has a GF Score™ of 35/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mercer Bancorp's FCF Margin % compare to FLEW and JTNB?
According to the Banks industry distribution chart, Mercer Bancorp ranks #1031 out of 1505 companies for FCF Margin %. This places Mercer Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.55. Mercer Bancorp's value of 16.78% is 36.8% below this benchmark. 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 1,505 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. Mercer Bancorp's current FCF Margin % of 16.78% is 36.8% 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 Mercer Bancorp 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. Mercer Bancorp's current FCF Margin % is 16.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mercer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mercer Bancorp (MSBB) is currently considered Modestly Overvalued. The stock's GF Value™ is $16.89, compared to a current price of $19.56 — trading 15.8% above its estimated fair value. The current FCF Margin % is 16.78% and 36.8% below the Banks industry median of 26.55. Mercer Bancorp's overall GF Score™ is 35/100 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 Mercer Bancorp (MSBB), the current FCF Margin % is 16.78% 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 Mercer Bancorp (MSBB) Overvalued in 2026?
Based on GuruFocus' analysis, Mercer Bancorp stock appears to be overvalued.
The current stock price of $19.56 is trading 15.8% above its estimated GF Value™ of $16.89.
GuruFocus considers Mercer Bancorp to be Modestly Overvalued.
Key valuation signals for MSBB:
FCF Margin %: 16.78%
GF Value™: $16.89 vs. price of $19.56 (15.8% above fair value)
Industry Position: 36.8% below the Banks median (#1031 of 1505)
No single metric tells the full story. See the MSBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mercer Bancorp Inc operates as a full-service bank. It offers deposits, loans, and other services. The loan portfolio consists of residential mortgage loans secured by one- to four-family residential properties and agricultural real estate loans secured by farmland located in the primary market area. It also operates in multifamily real estate loans, commercial real estate loans, construction and land loans, home equity lines of credit, commercial and industrial loans, and consumer loans. Geographically, it operates in Mercer and Darke Counties in western Ohio and contiguous areas, including Adams and Jay Counties in eastern Indiana.
35GF Score
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