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Security BancorpSCYT -2.38%58 FCF Margin % is 38.84% as of Dec. 2025, which is 37% above its 10-year median of 28.26. GuruFocus rates SCYT with a GF Score™ of 58/100 and a GF Value™ of $88.84 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,502 Banks companies, Security Bancorp ranks better than 67.98% on this metric.
The historical data trend for Security 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, Security 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.
Security Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Security Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Security 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.
Security Bancorp (SCYT) has a FCF Margin % of 38.84% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Security Bancorp and its competitors. This is 37% above median its historical median of 28.26. Over the past decade, Security Bancorp's FCF Margin % has ranged from 12.16 to 38.84. According to the industry distribution chart, Security Bancorp ranks #481 out of 1502 companies in the Banks industry, placing it in the top 32%.
Is Security Bancorp's FCF Margin % too high?
Security Bancorp's current FCF Margin % of 38.84% is 37% above median its 10-year median of 28.26. Over the past 10 years, this metric has ranged from a low of 12.16 to a high of 38.84. The Banks industry median FCF Margin % is 26.12. Security Bancorp's value of 38.84% is 48.7% above this industry median. Based on the distribution chart, Security Bancorp ranks #481 out of 1502 companies in the Banks industry, which is above the industry midpoint. Overall, Security Bancorp has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Security Bancorp's FCF Margin % compare to PVBK and WDFN?
According to the Banks industry distribution chart, Security Bancorp ranks #481 out of 1502 companies for FCF Margin %. This puts Security Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.12. Security Bancorp's value of 38.84% is 48.7% above this benchmark. Historically, Security Bancorp's own FCF Margin % has ranged from 12.16 to 38.84 over the past decade. While the company's 10-year median is 28.26 vs. the industry median of 26.12, Security 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 26.12, 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. Security Bancorp's current FCF Margin % of 38.84% is 48.7% 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 Security Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Bancorp's current FCF Margin % is 38.84%, which is 37% above median its own 10-year median of 28.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Security Bancorp (SCYT) is currently considered Significantly Overvalued. The stock's GF Value™ is $88.84, compared to a current price of $123.00 — trading 38.5% above its estimated fair value. The current FCF Margin % is 38.84%, which is 37% above median its 10-year median of 28.26 and 48.7% above the Banks industry median of 26.12. Security Bancorp's overall GF Score™ is 58/100 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 Security Bancorp (SCYT), the current FCF Margin % is 38.84% 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 Security Bancorp (SCYT) Overvalued in 2026?
Based on GuruFocus' analysis, Security Bancorp stock appears to be overvalued.
The current stock price of $123.00 is trading 38.5% above its estimated GF Value™ of $88.84.
GuruFocus considers Security Bancorp to be Significantly Overvalued.
Key valuation signals for SCYT:
FCF Margin %: 38.84% (37% above median its 10-year median of 28.26)
GF Value™: $88.84 vs. price of $123.00 (38.5% above fair value)
Industry Position: 48.7% above the Banks median (#481 of 1502)
No single metric tells the full story. See the SCYT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security Bancorp Inc is a bank holding company. The company is a community-oriented financial institution organized to address the needs of McMinnville and Warren County. It is engaged in attracting deposits from the general public and using those funds to originate one to four-family mortgage loans. Its services include mobile banking, online banking, personal checking, business checking, savings accounts, CD's, and telephone banking.
58GF 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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