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Redwood FinancialREDW -5.24%63 FCF Margin % is 12.33% as of Dec. 2025, which is 48% below its 10-year median of 23.75. GuruFocus rates REDW with a GF Score™ of 63/100 and a GF Value™ of $190.48 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,502 Banks companies, Redwood Financial ranks worse than 65.38% on this metric.
The historical data trend for Redwood Financial'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, Redwood Financial'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.
Redwood Financial FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Redwood Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Redwood Financial'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.
Redwood Financial (REDW) has a FCF Margin % of 12.33% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Redwood Financial and its competitors. This is 48% below median its historical median of 23.75. According to the industry distribution chart, Redwood Financial ranks #982 out of 1502 companies in the Banks industry, placing it in the top 65.4%.
Is Redwood Financial's FCF Margin % too high?
Redwood Financial's current FCF Margin % of 12.33% is 48% below median its 10-year median of 23.75. The Banks industry median FCF Margin % is 25.74. Redwood Financial's value of 12.33% is 52.1% below this industry median. Based on the distribution chart, Redwood Financial ranks #982 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, Redwood Financial has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Redwood Financial's FCF Margin % compare to FSEA and PBKX?
According to the Banks industry distribution chart, Redwood Financial ranks #982 out of 1502 companies for FCF Margin %. This places Redwood Financial in the lower half of its industry. The industry median FCF Margin % is 25.74. Redwood Financial's value of 12.33% is 52.1% below this benchmark. While the company's 10-year median is 23.75 vs. the industry median of 25.74, Redwood Financial 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 25.74, based on 1,502 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. Redwood Financial's current FCF Margin % of 12.33% is 52.1% 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 Redwood Financial and its competitors. For the Banks industry, the median FCF Margin % is 25.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Redwood Financial's current FCF Margin % is 12.33%, which is 48% below median its own 10-year median of 23.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Redwood Financial stock overvalued right now?
Based on GuruFocus' analysis, Redwood Financial (REDW) is currently considered Fairly Valued. The stock's GF Value™ is $190.48, compared to a current price of $185.25 — trading 2.7% below its estimated fair value. The current FCF Margin % is 12.33%, which is 48% below median its 10-year median of 23.75 and 52.1% below the Banks industry median of 25.74. Redwood Financial's overall GF Score™ is 63/100 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 Redwood Financial (REDW), the current FCF Margin % is 12.33% 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 Redwood Financial (REDW) Overvalued in 2026?
Based on GuruFocus' analysis, Redwood Financial stock appears to be undervalued.
The current stock price of $185.25 is trading 2.7% below its estimated GF Value™ of $190.48.
GuruFocus considers Redwood Financial to be Fairly Valued.
Key valuation signals for REDW:
FCF Margin %: 12.33% (48% below median its 10-year median of 23.75)
GF Value™: $190.48 vs. price of $185.25 (2.7% below fair value)
Industry Position: 52.1% below the Banks median (#982 of 1502)
No single metric tells the full story. See the REDW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Redwood Financial Inc is a state-chartered bank. The Bank provides a variety of financial services to the areas of south central and south western Minnesota, and the south metropolitan area, including mortgage, commercial, agricultural, and consumer lending products and various deposit and savings plans.
63GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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