The historical rank and industry rank for Tri City Bankshares's FCF Margin % or its related term are showing as below:
During the past 13 years, the highest FCF Margin % of Tri City Bankshares was 43.22%. The lowest was 6.03%. And the median was 19.90%.
TRCY's FCF Margin % is not ranked *
in the Banks industry.
Industry Median: 26.355 * Ranked among companies with meaningful FCF Margin % only.
Tri City Bankshares FCF Margin % Related Terms
Tri City Bankshares FCF Margin % Historical Data
* Premium members only.
The historical data trend for Tri City Bankshares'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, Tri City Bankshares'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.
Tri City Bankshares FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Tri City Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Tri City Bankshares'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.
Tri City Bankshares (TRCY) has a FCF Margin % of 0.00% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Tri City Bankshares and its competitors. Over the past decade, Tri City Bankshares' FCF Margin % has ranged from 6.03 to 43.22. According to the industry distribution chart, Tri City Bankshares ranks #999999 out of 1506 companies in the Banks industry.
Is Tri City Bankshares' FCF Margin % too high?
Tri City Bankshares' current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 6.03 to a high of 43.22. Based on the distribution chart, Tri City Bankshares ranks #999999 out of 1506 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Tri City Bankshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tri City Bankshares' FCF Margin % compare to UBAB and SBKO?
According to the Banks industry distribution chart, Tri City Bankshares ranks #999999 out of 1506 companies for FCF Margin %. This places Tri City Bankshares in the lower half of its industry. The industry median FCF Margin % is 26.36. Historically, Tri City Bankshares' own FCF Margin % has ranged from 6.03 to 43.22 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 26.36, based on 1,506 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 Tri City Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri City Bankshares'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 Tri City Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Tri City Bankshares (TRCY) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.42, compared to a current price of $18.90 — trading 22.6% above its estimated fair value. The current FCF Margin % is 0.00%. Tri City Bankshares' overall GF Score™ is 62/100. 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 Tri City Bankshares (TRCY), the current FCF Margin % is 0.00% 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 Tri City Bankshares (TRCY) Overvalued in 2026?
Based on GuruFocus' analysis, Tri City Bankshares stock appears to be overvalued.
The current stock price of $18.90 is trading 22.6% above its estimated GF Value™ of $15.42.
GuruFocus considers Tri City Bankshares to be Modestly Overvalued.
Key valuation signals for TRCY:
FCF Margin %: 0.00%
GF Value™: $15.42 vs. price of $18.90 (22.6% above fair value)
No single metric tells the full story. See the TRCY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tri City Bankshares Corp is a bank holding company. It provides consumer and commercial banking services to individuals and businesses. The services provided by the bank are loan facilities, credit card facilities, reverse mortgages, online banking services, business cards, savings facilities, and other services. It has one reportable segment, community banking.
62GF Score
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