National Cap BancorpNACB 59 FCF Margin % is 29.66% as of Dec. 2025, which is at its 10-year median of 29.66. GuruFocus rates NACB with a GF Score™ of 59/100 and a GF Value™ of $57.80 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,505 Banks companies, National Cap Bancorp ranks better than 55.68% on this metric.
The historical rank and industry rank for National Cap Bancorp's FCF Margin % or its related term are showing as below:
NACB'
s FCF Margin % Range Over the Past 10 Years
Min: 4.32 Med: 29.66 Max: 35.94
Current: 29.66
During the past 7 years, the highest FCF Margin % of National Cap Bancorp was 35.94%. The lowest was 4.32%. And the median was 29.66%.
NACB's FCF Margin % is ranked better than 55.68% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs NACB: 29.66
National Cap Bancorp FCF Margin % Related Terms
National Cap Bancorp FCF Margin % Historical Data
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The historical data trend for National Cap 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, National Cap 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.
National Cap Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, National Cap Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where National Cap 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.
National Cap Bancorp (NACB) has a FCF Margin % of 29.66% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on National Cap Bancorp and its competitors. This is near median its historical median of 29.66. Over the past decade, National Cap Bancorp's FCF Margin % has ranged from 4.32 to 35.94. According to the industry distribution chart, National Cap Bancorp ranks #667 out of 1505 companies in the Banks industry, placing it in the top 44.3%.
Is National Cap Bancorp's FCF Margin % too high?
National Cap Bancorp's current FCF Margin % of 29.66% is near median its 10-year median of 29.66. Over the past 10 years, this metric has ranged from a low of 4.32 to a high of 35.94. The Banks industry median FCF Margin % is 26.55. National Cap Bancorp's value of 29.66% is 11.7% above this industry median. Based on the distribution chart, National Cap Bancorp ranks #667 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, National Cap Bancorp has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Cap Bancorp's FCF Margin % compare to PBKX and DWNX?
According to the Banks industry distribution chart, National Cap Bancorp ranks #667 out of 1505 companies for FCF Margin %. This puts National Cap Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.55. National Cap Bancorp's value of 29.66% is 11.7% above this benchmark. Historically, National Cap Bancorp's own FCF Margin % has ranged from 4.32 to 35.94 over the past decade. While the company's 10-year median is 29.66 vs. the industry median of 26.55, National Cap Bancorp has consistently been above 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 26.55, 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. National Cap Bancorp's current FCF Margin % of 29.66% is 11.7% above 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 National Cap 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. National Cap Bancorp's current FCF Margin % is 29.66%, which is near median its own 10-year median of 29.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Cap Bancorp stock overvalued right now?
Based on GuruFocus' analysis, National Cap Bancorp (NACB) is currently considered Significantly Overvalued. The stock's GF Value™ is $57.80, compared to a current price of $78.00 — trading 34.9% above its estimated fair value. The current FCF Margin % is 29.66%, which is near median its 10-year median of 29.66 and 11.7% above the Banks industry median of 26.55. National Cap Bancorp's overall GF Score™ is 59/100 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 National Cap Bancorp (NACB), the current FCF Margin % is 29.66% 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 National Cap Bancorp (NACB) Overvalued in 2026?
Based on GuruFocus' analysis, National Cap Bancorp stock appears to be overvalued.
The current stock price of $78.00 is trading 34.9% above its estimated GF Value™ of $57.80.
GuruFocus considers National Cap Bancorp to be Significantly Overvalued.
Key valuation signals for NACB:
FCF Margin %: 29.66% (near median its 10-year median of 29.66)
GF Value™: $57.80 vs. price of $78.00 (34.9% above fair value)
Industry Position: 11.7% above the Banks median (#667 of 1505)
No single metric tells the full story. See the NACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Cap Bancorp Inc provides general banking services. The bank provides personal banking, mortgages, business banking services, and wealth management such as personal savings and loans, mobile banking, ATM cards, robust eBanking, remote deposit capture, merchant processing, construction finance, equipment leasing, treasury management services, and others.
59GF Score
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