SpareBank 1 Nord-NorgeSTU:93S -0.75%71 FCF Margin % is 60.74% as of Mar. 2026, which is 79% above its 10-year median of 33.87. GuruFocus rates STU:93S with a GF Score™ of 71/100 and a GF Value™ of €11.53 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,505 Banks companies, SpareBank 1 Nord-Norge ranks better than 83.39% on this metric.
* 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, SpareBank 1 Nord-Norge'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.
SpareBank 1 Nord-Norge FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SpareBank 1 Nord-Norge's FCF Margin % distribution charts can be found below:
* The bar in red indicates where SpareBank 1 Nord-Norge'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.
SpareBank 1 Nord-Norge (STU:93S) has a FCF Margin % of 60.74% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on SpareBank 1 Nord-Norge and its competitors. This is 79% above median its historical median of 33.87. According to the industry distribution chart, SpareBank 1 Nord-Norge ranks #250 out of 1505 companies in the Banks industry, placing it in the top 16.6%.
Is SpareBank 1 Nord-Norge's FCF Margin % too high?
SpareBank 1 Nord-Norge's current FCF Margin % of 60.74% is 79% above median its 10-year median of 33.87. The Banks industry median FCF Margin % is 26.55. SpareBank 1 Nord-Norge's value of 60.74% is 128.8% above this industry median. Based on the distribution chart, SpareBank 1 Nord-Norge ranks #250 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SpareBank 1 Nord-Norge has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Nord-Norge's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, SpareBank 1 Nord-Norge ranks #250 out of 1505 companies for FCF Margin %. This places SpareBank 1 Nord-Norge in the top 17% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. SpareBank 1 Nord-Norge's value of 60.74% is 128.8% above this benchmark. While the company's 10-year median is 33.87 vs. the industry median of 26.55, SpareBank 1 Nord-Norge 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 26.55, 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. SpareBank 1 Nord-Norge's current FCF Margin % of 60.74% is 128.8% 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 SpareBank 1 Nord-Norge 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. SpareBank 1 Nord-Norge's current FCF Margin % is 60.74%, which is 79% above median its own 10-year median of 33.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Nord-Norge stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Nord-Norge (STU:93S) is currently considered Modestly Overvalued. The stock's GF Value™ is €11.53, compared to a current price of €13.30 — trading 15.4% above its estimated fair value. The current FCF Margin % is 60.74%, which is 79% above median its 10-year median of 33.87 and 128.8% above the Banks industry median of 26.55. SpareBank 1 Nord-Norge's overall GF Score™ is 71/100 with 9 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 SpareBank 1 Nord-Norge (STU:93S), the current FCF Margin % is 60.74% 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 SpareBank 1 Nord-Norge (STU:93S) Overvalued in 2026?
Based on GuruFocus' analysis, SpareBank 1 Nord-Norge stock appears to be overvalued.
The current stock price of €13.30 is trading 15.4% above its estimated GF Value™ of €11.53.
GuruFocus considers SpareBank 1 Nord-Norge to be Modestly Overvalued.
Key valuation signals for STU:93S:
FCF Margin %: 60.74% (79% above median its 10-year median of 33.87)
GF Value™: €11.53 vs. price of €13.30 (15.4% above fair value)
Industry Position: 128.8% above the Banks median (#250 of 1505)
No single metric tells the full story. See the STU:93S stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SpareBank 1 Nord-Norge is a Norwegian banking services provider. Apart from general banking solutions, its areas of expertise include estate agency, asset financing, and accounting operations. The company operates with primary segments, namely the retail market and the corporate market. In addition, the subsidiary companies activities, such as accounting services, real estate brokerage, and leasing/sale-leaseback financing, are considered. The Retail Banking segment serves individual customers through the provision of retail banking products such as loans, deposits, cards, and insurance. The Corporate Banking segment focuses purely on corporate customers.
71GF Score
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