Primary BkPRMY 60 FCF Margin % is 36.57% as of Dec. 2025, which is at its 10-year median of 36.57. GuruFocus rates PRMY with a GF Score™ of 60/100 and a GF Value™ of $25.59 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,504 Banks companies, Primary Bk ranks better than 65.49% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Primary Bk's Free Cash Flow for the
six
months ended in Dec. 2025 was $10.72 Mil. Primary Bk's Revenue for the
six
months ended in Dec. 2025 was $29.31 Mil. Therefore, Primary Bk's FCF Margin % for the quarter that ended in Dec. 2025 was 36.57%.
The historical rank and industry rank for Primary Bk's FCF Margin % or its related term are showing as below:
PRMY'
s FCF Margin % Range Over the Past 10 Years
Min: 15.32 Med: 36.57 Max: 47.67
Current: 36.57
During the past 7 years, the highest FCF Margin % of Primary Bk was 47.67%. The lowest was 15.32%. And the median was 36.57%.
PRMY's FCF Margin % is ranked better than 65.49% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs PRMY: 36.57
Primary Bk FCF Margin % Related Terms
Primary Bk FCF Margin % Historical Data
* Premium members only.
The historical data trend for Primary Bk'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, Primary Bk'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.
Primary Bk FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Primary Bk's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Primary Bk'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.
Primary Bk (PRMY) has a FCF Margin % of 36.57% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Primary Bk and its competitors. This is near median its historical median of 36.57. Over the past decade, Primary Bk's FCF Margin % has ranged from 15.32 to 47.67. According to the industry distribution chart, Primary Bk ranks #519 out of 1504 companies in the Banks industry, placing it in the top 34.5%.
Is Primary Bk's FCF Margin % too high?
Primary Bk's current FCF Margin % of 36.57% is near median its 10-year median of 36.57. Over the past 10 years, this metric has ranged from a low of 15.32 to a high of 47.67. The Banks industry median FCF Margin % is 26.50. Primary Bk's value of 36.57% is 38% above this industry median. Based on the distribution chart, Primary Bk ranks #519 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, Primary Bk has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primary Bk's FCF Margin % compare to TYFG and INBC?
According to the Banks industry distribution chart, Primary Bk ranks #519 out of 1504 companies for FCF Margin %. This puts Primary Bk in the upper half of its industry. The industry median FCF Margin % is 26.50. Primary Bk's value of 36.57% is 38% above this benchmark. Historically, Primary Bk's own FCF Margin % has ranged from 15.32 to 47.67 over the past decade. While the company's 10-year median is 36.57 vs. the industry median of 26.50, Primary Bk 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 26.50, 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. Primary Bk's current FCF Margin % of 36.57% is 38% 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 Primary Bk 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. Primary Bk's current FCF Margin % is 36.57%, which is near median its own 10-year median of 36.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primary Bk stock overvalued right now?
Based on GuruFocus' analysis, Primary Bk (PRMY) is currently considered Modestly Overvalued. The stock's GF Value™ is $25.59, compared to a current price of $29.89 — trading 16.8% above its estimated fair value. The current FCF Margin % is 36.57%, which is near median its 10-year median of 36.57 and 38% above the Banks industry median of 26.50. Primary Bk's overall GF Score™ is 60/100 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 Primary Bk (PRMY), the current FCF Margin % is 36.57% 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 Primary Bk (PRMY) Overvalued in 2026?
Based on GuruFocus' analysis, Primary Bk stock appears to be overvalued.
The current stock price of $29.89 is trading 16.8% above its estimated GF Value™ of $25.59.
GuruFocus considers Primary Bk to be Modestly Overvalued.
Key valuation signals for PRMY:
FCF Margin %: 36.57% (near median its 10-year median of 36.57)
GF Value™: $25.59 vs. price of $29.89 (16.8% above fair value)
Industry Position: 38% above the Banks median (#519 of 1504)
No single metric tells the full story. See the PRMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Primary Bk is a banking service provider. The services offered by the bank include online banking, mobile banking, remote deposit, cash management, and credit cards. The Bank provides a variety of financial services to small and medium-sized businesses, professionals, municipalities, and not-for-profit organizations through its offices in Bedford, Manchester, Derry, and Nashua, New Hampshire.
60GF Score
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