Pontiac BancorpPONT -0.46%59 FCF Margin % is 41.17% as of Dec. 2025, which is 3% above its 10-year median of 39.85. GuruFocus rates PONT with a GF Score™ of 59/100 and a GF Value™ of $637.75 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,506 Banks companies, Pontiac Bancorp ranks better than 69.85% on this metric.
The historical rank and industry rank for Pontiac Bancorp's FCF Margin % or its related term are showing as below:
PONT'
s FCF Margin % Range Over the Past 10 Years
Min: 22.32 Med: 39.85 Max: 41.99
Current: 41.17
During the past 7 years, the highest FCF Margin % of Pontiac Bancorp was 41.99%. The lowest was 22.32%. And the median was 39.85%.
PONT's FCF Margin % is ranked better than 69.85% of 1506
companies
in the Banks industry
Industry Median: 26.355
vs PONT: 41.17
Pontiac Bancorp FCF Margin % Related Terms
Pontiac Bancorp FCF Margin % Historical Data
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The historical data trend for Pontiac 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, Pontiac 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.
Pontiac Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pontiac Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Pontiac 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.
Pontiac Bancorp (PONT) has a FCF Margin % of 41.17% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pontiac Bancorp and its competitors. This is near median its historical median of 39.85. Over the past decade, Pontiac Bancorp's FCF Margin % has ranged from 22.32 to 41.99. According to the industry distribution chart, Pontiac Bancorp ranks #454 out of 1506 companies in the Banks industry, placing it in the top 30.1%.
Is Pontiac Bancorp's FCF Margin % too high?
Pontiac Bancorp's current FCF Margin % of 41.17% is near median its 10-year median of 39.85. Over the past 10 years, this metric has ranged from a low of 22.32 to a high of 41.99. The Banks industry median FCF Margin % is 26.36. Pontiac Bancorp's value of 41.17% is 56.2% above this industry median. Based on the distribution chart, Pontiac Bancorp ranks #454 out of 1506 companies in the Banks industry, which is above the industry midpoint. Overall, Pontiac Bancorp has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pontiac Bancorp's FCF Margin % compare to TYFG and ARBV?
According to the Banks industry distribution chart, Pontiac Bancorp ranks #454 out of 1506 companies for FCF Margin %. This puts Pontiac Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.36. Pontiac Bancorp's value of 41.17% is 56.2% above this benchmark. Historically, Pontiac Bancorp's own FCF Margin % has ranged from 22.32 to 41.99 over the past decade. While the company's 10-year median is 39.85 vs. the industry median of 26.36, Pontiac 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 26.36, based on 1,506 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. Pontiac Bancorp's current FCF Margin % of 41.17% is 56.2% 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 Pontiac Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pontiac Bancorp's current FCF Margin % is 41.17%, which is near median its own 10-year median of 39.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pontiac Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pontiac Bancorp (PONT) is currently considered Fairly Valued. The stock's GF Value™ is $637.75, compared to a current price of $654.75 — trading 2.7% above its estimated fair value. The current FCF Margin % is 41.17%, which is near median its 10-year median of 39.85 and 56.2% above the Banks industry median of 26.36. Pontiac Bancorp's overall GF Score™ is 59/100 with 1 warning sign 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 Pontiac Bancorp (PONT), the current FCF Margin % is 41.17% 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 Pontiac Bancorp (PONT) Overvalued in 2026?
Based on GuruFocus' analysis, Pontiac Bancorp stock appears to be overvalued.
The current stock price of $654.75 is trading 2.7% above its estimated GF Value™ of $637.75.
GuruFocus considers Pontiac Bancorp to be Fairly Valued.
Key valuation signals for PONT:
FCF Margin %: 41.17% (near median its 10-year median of 39.85)
GF Value™: $637.75 vs. price of $654.75 (2.7% above fair value)
Industry Position: 56.2% above the Banks median (#454 of 1506)
No single metric tells the full story. See the PONT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pontiac Bancorp Inc is engaged in banking services. The company offers personal banking, business banking, lending, wealth management, and agriculture lending services. The bank grants agribusiness, commercial, residential, and personal loans to customers located in the bank's market area.
59GF Score
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