Neffs BancorpNEFB 49 FCF Margin % is 11.37% as of Dec. 2025, which is 70% below its 10-year median of 38.25. GuruFocus rates NEFB with a GF Score™ of 49/100 and a GF Value™ of $274.22 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,509 Banks companies, Neffs Bancorp ranks worse than 66% on this metric.
The historical rank and industry rank for Neffs Bancorp's FCF Margin % or its related term are showing as below:
NEFB'
s FCF Margin % Range Over the Past 10 Years
Min: 11.37 Med: 38.25 Max: 47.26
Current: 11.37
During the past 13 years, the highest FCF Margin % of Neffs Bancorp was 47.26%. The lowest was 11.37%. And the median was 38.25%.
NEFB's FCF Margin % is ranked worse than 66% of 1509
companies
in the Banks industry
Industry Median: 26.55
vs NEFB: 11.37
Neffs Bancorp FCF Margin % Related Terms
Neffs Bancorp FCF Margin % Historical Data
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The historical data trend for Neffs 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, Neffs 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.
Neffs Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Neffs Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Neffs 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.
Neffs Bancorp (NEFB) has a FCF Margin % of 11.37% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Neffs Bancorp and its competitors. This is 70% below median its historical median of 38.25. Over the past decade, Neffs Bancorp's FCF Margin % has ranged from 11.37 to 47.26. According to the industry distribution chart, Neffs Bancorp ranks #996 out of 1509 companies in the Banks industry, placing it in the top 66%.
Is Neffs Bancorp's FCF Margin % too high?
Neffs Bancorp's current FCF Margin % of 11.37% is 70% below median its 10-year median of 38.25. Over the past 10 years, this metric has ranged from a low of 11.37 to a high of 47.26. The Banks industry median FCF Margin % is 26.55. Neffs Bancorp's value of 11.37% is 57.2% below this industry median. Based on the distribution chart, Neffs Bancorp ranks #996 out of 1509 companies in the Banks industry, which is below the industry midpoint. Overall, Neffs Bancorp has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Neffs Bancorp's FCF Margin % compare to CEFC and LFGP?
According to the Banks industry distribution chart, Neffs Bancorp ranks #996 out of 1509 companies for FCF Margin %. This places Neffs Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.55. Neffs Bancorp's value of 11.37% is 57.2% below this benchmark. Historically, Neffs Bancorp's own FCF Margin % has ranged from 11.37 to 47.26 over the past decade. While the company's 10-year median is 38.25 vs. the industry median of 26.55, Neffs Bancorp 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 26.55, based on 1,509 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. Neffs Bancorp's current FCF Margin % of 11.37% is 57.2% 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 Neffs 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. Neffs Bancorp's current FCF Margin % is 11.37%, which is 70% below median its own 10-year median of 38.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Neffs Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Neffs Bancorp (NEFB) is currently considered Significantly Overvalued. The stock's GF Value™ is $274.22, compared to a current price of $395.00 — trading 44% above its estimated fair value. The current FCF Margin % is 11.37%, which is 70% below median its 10-year median of 38.25 and 57.2% below the Banks industry median of 26.55. Neffs Bancorp's overall GF Score™ is 49/100 with 6 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 Neffs Bancorp (NEFB), the current FCF Margin % is 11.37% 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 Neffs Bancorp (NEFB) Overvalued in 2026?
Based on GuruFocus' analysis, Neffs Bancorp stock appears to be overvalued.
The current stock price of $395.00 is trading 44% above its estimated GF Value™ of $274.22.
GuruFocus considers Neffs Bancorp to be Significantly Overvalued.
Key valuation signals for NEFB:
FCF Margin %: 11.37% (70% below median its 10-year median of 38.25)
GF Value™: $274.22 vs. price of $395.00 (44% above fair value)
Industry Position: 57.2% below the Banks median (#996 of 1509)
No single metric tells the full story. See the NEFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Neffs Bancorp Inc provides a full range of financial services to individuals, small businesses and corporate customers. The Bank's primary deposits are checking accounts, savings accounts and certificates of deposit. The bank offers personal banking and commercial banking services. The primary source of revenue is interest and fees earned from providing residential mortgages, consumer loans and commercial loans to customers located within the Lehigh Valley of Pennsylvania.
49GF Score
Get the complete analysis for NEFB
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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