The historical rank and industry rank for Sturgis Bancorp's FCF Margin % or its related term are showing as below:
STBI'
s FCF Margin % Range Over the Past 10 Years
Min: -5.54 Med: 21.94 Max: 36.18
Current: 32.69
During the past 13 years, the highest FCF Margin % of Sturgis Bancorp was 36.18%. The lowest was -5.54%. And the median was 21.94%.
STBI's FCF Margin % is ranked better than 60.6% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs STBI: 32.69
Sturgis Bancorp FCF Margin % Related Terms
Sturgis Bancorp FCF Margin % Historical Data
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The historical data trend for Sturgis 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, Sturgis 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.
Sturgis Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sturgis Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Sturgis 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.
Sturgis Bancorp (STBI) has a FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Sturgis Bancorp and its competitors. According to the industry distribution chart, Sturgis Bancorp ranks #593 out of 1505 companies in the Banks industry, placing it in the top 39.4%.
Is Sturgis Bancorp's FCF Margin % too high?
Sturgis Bancorp's current FCF Margin % is 0.00%. Based on the distribution chart, Sturgis Bancorp ranks #593 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, Sturgis Bancorp has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sturgis Bancorp's FCF Margin % compare to BCOW and BSPA?
According to the Banks industry distribution chart, Sturgis Bancorp ranks #593 out of 1505 companies for FCF Margin %. This puts Sturgis Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.55. 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 26.55, based on 1,505 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. 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 Sturgis Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sturgis Bancorp's current FCF Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sturgis Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Sturgis Bancorp (STBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.27, compared to a current price of $26.42 — trading 24.2% above its estimated fair value. The current FCF Margin % is 0.00%. Sturgis Bancorp's overall GF Score™ is 76/100 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 Sturgis Bancorp (STBI), the current FCF Margin % is 0.00% as of Mar. 2026. 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 Sturgis Bancorp (STBI) Overvalued in 2026?
Based on GuruFocus' analysis, Sturgis Bancorp stock appears to be overvalued.
The current stock price of $26.42 is trading 24.2% above its estimated GF Value™ of $21.27.
GuruFocus considers Sturgis Bancorp to be Modestly Overvalued.
Key valuation signals for STBI:
FCF Margin %: 0.00%
GF Value™: $21.27 vs. price of $26.42 (24.2% above fair value)
No single metric tells the full story. See the STBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sturgis Bancorp Inc is a bank holding company operating predominantly in the southwestern portion of Michigan's Lower Peninsula. Through its subsidiaries, it is engaged in accepting deposits and making commercial and residential mortgage loans; providing various investment and financial advisory services; offering credit cards and different types of loans; and providing title, consumer, and commercial insurance products, among others.
76GF 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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