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Triad Business BankTBBC 67 FCF Margin % is 20.68% as of Dec. 2025, which is 378% above its 10-year median of 4.33. GuruFocus rates TBBC with a GF Score™ of 67/100 and a GF Value™ of $5.43 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,502 Banks companies, Triad Business Bank ranks worse than 57.59% on this metric.
The historical data trend for Triad Business Bank'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, Triad Business Bank'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.
Triad Business Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Triad Business Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Triad Business Bank'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.
Triad Business Bank (TBBC) has a FCF Margin % of 20.68% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Triad Business Bank and its competitors. This is 378% above median its historical median of 4.33. According to the industry distribution chart, Triad Business Bank ranks #865 out of 1502 companies in the Banks industry, placing it in the top 57.6%.
Is Triad Business Bank's FCF Margin % too high?
Triad Business Bank's current FCF Margin % of 20.68% is 378% above median its 10-year median of 4.33. The Banks industry median FCF Margin % is 26.12. Triad Business Bank's value of 20.68% is 20.8% below this industry median. Based on the distribution chart, Triad Business Bank ranks #865 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, Triad Business Bank has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Triad Business Bank's FCF Margin % compare to DENI and FGFI?
According to the Banks industry distribution chart, Triad Business Bank ranks #865 out of 1502 companies for FCF Margin %. This places Triad Business Bank in the lower half of its industry. The industry median FCF Margin % is 26.12. Triad Business Bank's value of 20.68% is 20.8% below this benchmark. While the company's 10-year median is 4.33 vs. the industry median of 26.12, Triad Business Bank has consistently been below 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. Triad Business Bank's current FCF Margin % of 20.68% is 20.8% below 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 Triad Business Bank 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. Triad Business Bank's current FCF Margin % is 20.68%, which is 378% above median its own 10-year median of 4.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Triad Business Bank stock overvalued right now?
Based on GuruFocus' analysis, Triad Business Bank (TBBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $5.43, compared to a current price of $6.51 — trading 19.9% above its estimated fair value. The current FCF Margin % is 20.68%, which is 378% above median its 10-year median of 4.33 and 20.8% below the Banks industry median of 26.12. Triad Business Bank's overall GF Score™ is 67/100 with 2 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 Triad Business Bank (TBBC), the current FCF Margin % is 20.68% 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 Triad Business Bank (TBBC) Overvalued in 2026?
Based on GuruFocus' analysis, Triad Business Bank stock appears to be overvalued.
The current stock price of $6.51 is trading 19.9% above its estimated GF Value™ of $5.43.
GuruFocus considers Triad Business Bank to be Modestly Overvalued.
Key valuation signals for TBBC:
FCF Margin %: 20.68% (378% above median its 10-year median of 4.33)
GF Value™: $5.43 vs. price of $6.51 (19.9% above fair value)
Industry Position: 20.8% below the Banks median (#865 of 1502)
No single metric tells the full story. See the TBBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Triad Business Bank is engaged in the provision of financial products and services operating through its banking offices in the Triad region of North Carolina, USA. It offers a range of private banking, commercial banking, and treasury solutions, which include products and services like checking accounts, debit cards and online services, loans, money market accounts, and cash management solutions, among others.
67GF Score
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