Woodsboro Bk MDWOBK 57 FCF Margin % is 50.71% as of Dec. 2025, which is 111% above its 10-year median of 24.04. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $64.87 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,505 Banks companies, Woodsboro Bk MD ranks better than 75.08% on this metric.
The historical rank and industry rank for Woodsboro Bk MD's FCF Margin % or its related term are showing as below:
WOBK'
s FCF Margin % Range Over the Past 10 Years
Min: 2.34 Med: 24.04 Max: 50.71
Current: 50.71
During the past 7 years, the highest FCF Margin % of Woodsboro Bk MD was 50.71%. The lowest was 2.34%. And the median was 24.04%.
WOBK's FCF Margin % is ranked better than 75.08% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs WOBK: 50.71
Woodsboro Bk MD FCF Margin % Related Terms
Woodsboro Bk MD FCF Margin % Historical Data
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The historical data trend for Woodsboro Bk MD'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, Woodsboro Bk MD'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.
Woodsboro Bk MD FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Woodsboro Bk MD's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Woodsboro Bk MD'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.
Woodsboro Bk MD (WOBK) has a FCF Margin % of 50.71% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Woodsboro Bk MD and its competitors. This is 111% above median its historical median of 24.04. Over the past decade, Woodsboro Bk MD's FCF Margin % has ranged from 2.34 to 50.71. According to the industry distribution chart, Woodsboro Bk MD ranks #375 out of 1505 companies in the Banks industry, placing it in the top 24.9%.
Is Woodsboro Bk MD's FCF Margin % too high?
Woodsboro Bk MD's current FCF Margin % of 50.71% is 111% above median its 10-year median of 24.04. Over the past 10 years, this metric has ranged from a low of 2.34 to a high of 50.71. The Banks industry median FCF Margin % is 26.55. Woodsboro Bk MD's value of 50.71% is 91% above this industry median. Based on the distribution chart, Woodsboro Bk MD ranks #375 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's FCF Margin % compare to FBPA and PWBK?
According to the Banks industry distribution chart, Woodsboro Bk MD ranks #375 out of 1505 companies for FCF Margin %. This places Woodsboro Bk MD in the top 25% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Woodsboro Bk MD's value of 50.71% is 91% above this benchmark. Historically, Woodsboro Bk MD's own FCF Margin % has ranged from 2.34 to 50.71 over the past decade. While the company's 10-year median is 24.04 vs. the industry median of 26.55, Woodsboro Bk MD 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. Woodsboro Bk MD's current FCF Margin % of 50.71% is 91% 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 Woodsboro Bk MD 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. Woodsboro Bk MD's current FCF Margin % is 50.71%, which is 111% above median its own 10-year median of 24.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $64.87, compared to a current price of $82.00 — trading 26.4% above its estimated fair value. The current FCF Margin % is 50.71%, which is 111% above median its 10-year median of 24.04 and 91% above the Banks industry median of 26.55. Woodsboro Bk MD's overall GF Score™ is 57/100 with 4 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 Woodsboro Bk MD (WOBK), the current FCF Margin % is 50.71% 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 Woodsboro Bk MD (WOBK) Overvalued in 2026?
Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued.
The current stock price of $82.00 is trading 26.4% above its estimated GF Value™ of $64.87.
GuruFocus considers Woodsboro Bk MD to be Modestly Overvalued.
Key valuation signals for WOBK:
FCF Margin %: 50.71% (111% above median its 10-year median of 24.04)
GF Value™: $64.87 vs. price of $82.00 (26.4% above fair value)
Industry Position: 91% above the Banks median (#375 of 1505)
No single metric tells the full story. See the WOBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF Score
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