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Summit Bancshares,SMAL 62 FCF Margin % is 28.51% as of Dec. 2025, which is 3% below its 10-year median of 29.26. GuruFocus rates SMAL with a GF Score™ of 62/100 and a GF Value™ of $40.30 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,499 Banks companies, Summit Bancshares, ranks better than 53.64% on this metric.
The historical rank and industry rank for Summit Bancshares,'s FCF Margin % or its related term are showing as below:
SMAL'
s FCF Margin % Range Over the Past 10 Years
Min: -23.33 Med: 29.26 Max: 34.53
Current: 28.51
During the past 13 years, the highest FCF Margin % of Summit Bancshares, was 34.53%. The lowest was -23.33%. And the median was 29.26%.
SMAL's FCF Margin % is ranked better than 53.64% of 1499
companies
in the Banks industry
Industry Median: 26.61
vs SMAL: 28.51
Summit Bancshares, FCF Margin % Related Terms
Summit Bancshares, FCF Margin % Historical Data
* Premium members only.
The historical data trend for Summit Bancshares,'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, Summit Bancshares,'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.
Summit Bancshares, FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Summit Bancshares,'s FCF Margin % distribution charts can be found below:
* The bar in red indicates where Summit Bancshares,'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.
Summit Bancshares, (SMAL) has a FCF Margin % of 28.51% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Summit Bancshares, and its competitors. This is near median its historical median of 29.26. According to the industry distribution chart, Summit Bancshares, ranks #695 out of 1499 companies in the Banks industry, placing it in the top 46.4%.
Is Summit Bancshares,'s FCF Margin % too high?
Summit Bancshares,'s current FCF Margin % of 28.51% is near median its 10-year median of 29.26. The Banks industry median FCF Margin % is 26.61. Summit Bancshares,'s value of 28.51% is 7.1% above this industry median. Based on the distribution chart, Summit Bancshares, ranks #695 out of 1499 companies in the Banks industry, which is above the industry midpoint. Overall, Summit Bancshares, has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bancshares,'s FCF Margin % compare to CLST and LSFG?
According to the Banks industry distribution chart, Summit Bancshares, ranks #695 out of 1499 companies for FCF Margin %. This puts Summit Bancshares, in the upper half of its industry. The industry median FCF Margin % is 26.61. Summit Bancshares,'s value of 28.51% is 7.1% above this benchmark. While the company's 10-year median is 29.26 vs. the industry median of 26.61, Summit Bancshares, 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 26.61, based on 1,499 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. Summit Bancshares,'s current FCF Margin % of 28.51% is 7.1% 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 Summit Bancshares, and its competitors. For the Banks industry, the median FCF Margin % is 26.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit Bancshares,'s current FCF Margin % is 28.51%, which is near median its own 10-year median of 29.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit Bancshares, stock overvalued right now?
Based on GuruFocus' analysis, Summit Bancshares, (SMAL) is currently considered Significantly Overvalued. The stock's GF Value™ is $40.30, compared to a current price of $58.25 — trading 44.5% above its estimated fair value. The current FCF Margin % is 28.51%, which is near median its 10-year median of 29.26 and 7.1% above the Banks industry median of 26.61. Summit Bancshares,'s overall GF Score™ is 62/100 with 5 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 Summit Bancshares, (SMAL), the current FCF Margin % is 28.51% 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 Summit Bancshares, (SMAL) Overvalued in 2026?
Based on GuruFocus' analysis, Summit Bancshares, stock appears to be overvalued.
The current stock price of $58.25 is trading 44.5% above its estimated GF Value™ of $40.30.
GuruFocus considers Summit Bancshares, to be Significantly Overvalued.
Key valuation signals for SMAL:
FCF Margin %: 28.51% (near median its 10-year median of 29.26)
GF Value™: $40.30 vs. price of $58.25 (44.5% above fair value)
Industry Position: 7.1% above the Banks median (#695 of 1499)
No single metric tells the full story. See the SMAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Summit Bancshares, Inc. operates in the banking industry. It offers personal banking, business banking, and other services. The Bank operates approximately three branches and provides commercial credit and other banking services to small and mid-sized businesses and professionals, including professional firms of physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors.
62GF Score
Get the complete analysis for SMAL
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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