SVB&T (SVBT) FCF Margin %: 0.00% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SVBT SVB&T Corp SVBT
60 GF Score
Price $67.50
GF Value $50.64
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is SVB&T FCF Margin %?

SVB&T SVBT 60 FCF Margin % is 0.00% as of Mar. 2026. GuruFocus rates SVBT with a GF Score™ of 60/100 and a GF Value™ of $50.64 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,502 Banks companies, SVB&T ranks worse than 51.46% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. SVB&T's Free Cash Flow for the three months ended in Mar. 2026 was $0.00 Mil. SVB&T's Revenue for the three months ended in Mar. 2026 was $8.78 Mil. Therefore, SVB&T's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.

As of today, SVB&T's current FCF Yield % is 10.90%.

The historical rank and industry rank for SVB&T's FCF Margin % or its related term are showing as below:

SVBT' s FCF Margin % Range Over the Past 10 Years
Min: 11.8   Med: 24.34   Max: 31.42
Current: 25.03


During the past 10 years, the highest FCF Margin % of SVB&T was 31.42%. The lowest was 11.80%. And the median was 24.34%.

SVBT's FCF Margin % is ranked worse than
51.46% of 1502 companies
in the Banks industry
Industry Median: 25.845 vs SVBT: 25.03


SVB&T FCF Margin % Related Terms


SVB&T FCF Margin % Historical Data

* Premium members only.

The historical data trend for SVB&T'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.

SVB&T FCF Margin % Chart

SVB&T Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 25.37 31.42 28.89 18.62 26.20

SVB&T Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

SVBT vs ASRV, MVLY, RVCB: FCF Margin % Comparison

For the Banks - Regional subindustry, SVB&T'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.


SVB&T FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, SVB&T's FCF Margin % distribution charts can be found below:

* The bar in red indicates where SVB&T's FCF Margin % falls into.


SVBT
60GF Score
SVB&T Corp SVBT
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SVB&T FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

SVB&T's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=8.115/30.969
=26.20 %

SVB&T's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=0/8.783
=0.00 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 0.00% mean?
SVB&T (SVBT) 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 SVB&T and its competitors. Over the past decade, SVB&T's FCF Margin % has ranged from 11.80 to 31.42. According to the industry distribution chart, SVB&T ranks #773 out of 1502 companies in the Banks industry, placing it in the top 51.5%.
Is SVB&T's FCF Margin % too high?
SVB&T's current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 11.80 to a high of 31.42. Based on the distribution chart, SVB&T ranks #773 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, SVB&T has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SVB&T's FCF Margin % compare to ASRV and MVLY?
According to the Banks industry distribution chart, SVB&T ranks #773 out of 1502 companies for FCF Margin %. This places SVB&T in the lower half of its industry. The industry median FCF Margin % is 25.85. Historically, SVB&T's own FCF Margin % has ranged from 11.80 to 31.42 over the past decade. 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 25.85, 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. 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 SVB&T and its competitors. For the Banks industry, the median FCF Margin % is 25.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SVB&T'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 SVB&T stock overvalued right now?
Based on GuruFocus' analysis, SVB&T (SVBT) is currently considered Significantly Overvalued. The stock's GF Value™ is $50.64, compared to a current price of $67.50 — trading 33.3% above its estimated fair value. The current FCF Margin % is 0.00%. SVB&T's overall GF Score™ is 60/100 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 SVB&T (SVBT), 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 SVB&T (SVBT) Overvalued in 2026?

Based on GuruFocus' analysis, SVB&T stock appears to be overvalued. The current stock price of $67.50 is trading 33.3% above its estimated GF Value™ of $50.64. GuruFocus considers SVB&T to be Significantly Overvalued.

Key valuation signals for SVBT:

  • FCF Margin %: 0.00%
  • GF Value™: $50.64 vs. price of $67.50 (33.3% above fair value)
  • GF Score™: 60/100 with 6 warning signs

No single metric tells the full story. See the SVBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SVB&T Business Description

Address 1500 Main Street, Jasper, IN, USA, 47546
SVB&T Corp is engaged in providing a full range of banking and financial services to individual and corporate customers in Orange, Dubois, Daviess, Gibson and surrounding counties in southern Indiana. The Bank has five wholly owned subsidiaries: SVB & T Holdings, Inc, SVB & T Investment I, II and III, LLC, SVB & T Properties, Inc., SVB & T Properties, Inc., SVB & T Risk Management, Inc.
60GF Score

Get the complete analysis for SVBT

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$67.50
Price
$50.64
GF Value