West Shore BankWSSH +0.33%56 FCF Margin % is 23.31% as of Dec. 2025, which is 36% above its 10-year median of 17.16. GuruFocus rates WSSH with a GF Score™ of 56/100 and a GF Value™ of $34.87 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, West Shore Bank ranks worse than 54.55% on this metric.
The historical rank and industry rank for West Shore Bank's FCF Margin % or its related term are showing as below:
WSSH'
s FCF Margin % Range Over the Past 10 Years
Min: -27.95 Med: 17.16 Max: 28.4
Current: 23.31
During the past 7 years, the highest FCF Margin % of West Shore Bank was 28.40%. The lowest was -27.95%. And the median was 17.16%.
WSSH's FCF Margin % is ranked worse than 54.55% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs WSSH: 23.31
West Shore Bank FCF Margin % Related Terms
West Shore Bank FCF Margin % Historical Data
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The historical data trend for West Shore 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, West Shore 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.
West Shore Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, West Shore Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where West Shore 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.
West Shore Bank (WSSH) has a FCF Margin % of 23.31% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on West Shore Bank and its competitors. This is 36% above median its historical median of 17.16. According to the industry distribution chart, West Shore Bank ranks #821 out of 1505 companies in the Banks industry, placing it in the top 54.6%.
Is West Shore Bank's FCF Margin % too high?
West Shore Bank's current FCF Margin % of 23.31% is 36% above median its 10-year median of 17.16. The Banks industry median FCF Margin % is 26.55. West Shore Bank's value of 23.31% is 12.2% below this industry median. Based on the distribution chart, West Shore Bank ranks #821 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, West Shore Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's FCF Margin % compare to PVBK and TBBC?
According to the Banks industry distribution chart, West Shore Bank ranks #821 out of 1505 companies for FCF Margin %. This places West Shore Bank in the lower half of its industry. The industry median FCF Margin % is 26.55. West Shore Bank's value of 23.31% is 12.2% below this benchmark. While the company's 10-year median is 17.16 vs. the industry median of 26.55, West Shore 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 26.55, 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. West Shore Bank's current FCF Margin % of 23.31% is 12.2% 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 West Shore Bank 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. West Shore Bank's current FCF Margin % is 23.31%, which is 36% above median its own 10-year median of 17.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is West Shore Bank stock overvalued right now?
Based on GuruFocus' analysis, West Shore Bank (WSSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $34.87, compared to a current price of $42.80 — trading 22.7% above its estimated fair value. The current FCF Margin % is 23.31%, which is 36% above median its 10-year median of 17.16 and 12.2% below the Banks industry median of 26.55. West Shore Bank's overall GF Score™ is 56/100 with 7 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 West Shore Bank (WSSH), the current FCF Margin % is 23.31% 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 West Shore Bank (WSSH) Overvalued in 2026?
Based on GuruFocus' analysis, West Shore Bank stock appears to be overvalued.
The current stock price of $42.80 is trading 22.7% above its estimated GF Value™ of $34.87.
GuruFocus considers West Shore Bank to be Modestly Overvalued.
Key valuation signals for WSSH:
FCF Margin %: 23.31% (36% above median its 10-year median of 17.16)
GF Value™: $34.87 vs. price of $42.80 (22.7% above fair value)
Industry Position: 12.2% below the Banks median (#821 of 1505)
No single metric tells the full story. See the WSSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
West Shore Bank Corp is a provider of banking and financial service. The banks services include time savings, demand deposits and checking account services; commercial, consumer and mortgage loan services; treasury and cash management services; wealth management and investment services; telephone banking, Internet banking and mobile banking services; safe deposit, and automated transaction machine (ATM/ITM) services, among others.
56GF Score
Get the complete analysis for WSSH
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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