NLB Banka ad (XBLB:VBBB-R-A) FCF Margin %: 7.25% (As of Dec. 2025) — 88% Below Median

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What is NLB Banka ad FCF Margin %?

NLB Banka ad XBLB:VBBB-R-A FCF Margin % is 7.25% as of Dec. 2025, which is 88% below its 10-year median of 61.97. The stock has 4 warning signs investors should review.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. NLB Banka ad's Free Cash Flow for the six months ended in Dec. 2025 was BAM4.3 Mil. NLB Banka ad's Revenue for the six months ended in Dec. 2025 was BAM58.9 Mil. Therefore, NLB Banka ad's FCF Margin % for the quarter that ended in Dec. 2025 was 7.25%.

As of today, NLB Banka ad's current FCF Yield % is 20.73%.

The historical rank and industry rank for NLB Banka ad's FCF Margin % or its related term are showing as below:

XBLB:VBBB-R-A' s FCF Margin % Range Over the Past 10 Years
Min: -14.39   Med: 61.97   Max: 356.67
Current: 67.56

During the past 13 years, the highest FCF Margin % of NLB Banka ad was 356.67%. The lowest was -14.39%. And the median was 61.97%.

XBLB:VBBB-R-A's FCF Margin % is not ranked
in the Banks industry.
Industry Median: 26.56 vs XBLB:VBBB-R-A: 67.56

NLB Banka ad FCF Margin % Related Terms

NLB Banka ad FCF Margin % Historical Data

* Premium members only.

The historical data trend for NLB Banka ad'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.

NLB Banka ad FCF Margin % Chart

NLB Banka ad 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 356.67 56.37 -2.86 28.97 67.56

NLB Banka ad Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 69.16 144.26 -81.07 131.90 7.25

NLB Banka ad FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, NLB Banka ad'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.

NLB Banka ad FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, NLB Banka ad's FCF Margin % distribution charts can be found below:

* The bar in red indicates where NLB Banka ad's FCF Margin % falls into.


NLB Banka ad FCF Margin % Calculation

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

NLB Banka ad'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 )
=77.103/114.129
=67.56 %

NLB Banka ad's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=4.27/58.91
=7.25 %

* 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 7.25% mean?
NLB Banka ad (XBLB:VBBB-R-A) has a FCF Margin % of 7.25% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on NLB Banka ad and its competitors. This is 88% below median its historical median of 61.97.
Is NLB Banka ad's FCF Margin % too high?
NLB Banka ad's current FCF Margin % of 7.25% is 88% below median its 10-year median of 61.97. The Banks industry median FCF Margin % is 26.56. NLB Banka ad's value of 7.25% is 72.7% below this industry median.
How does NLB Banka ad's FCF Margin % compare to competitors?
NLB Banka ad's FCF Margin % of 7.25% can be compared against companies in the Banks industry. The industry median FCF Margin % is 26.56. NLB Banka ad's value of 7.25% is 72.7% below this benchmark. While the company's 10-year median is 61.97 vs. the industry median of 26.56, NLB Banka ad 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 26.56, based on 1,504 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. NLB Banka ad's current FCF Margin % of 7.25% is 72.7% 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 NLB Banka ad and its competitors. For the Banks industry, the median FCF Margin % is 26.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NLB Banka ad's current FCF Margin % is 7.25%, which is 88% below median its own 10-year median of 61.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLB Banka ad stock overvalued right now?
NLB Banka ad (XBLB:VBBB-R-A) has a current FCF Margin % of 7.25%. The stock's GF Value™ is BAM2,109.54, compared to a current price of BAM6,000.00 — trading 184.4% above its estimated fair value. The current FCF Margin % is 7.25%, which is 88% below median its 10-year median of 61.97 and 72.7% below the Banks industry median of 26.56. 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 NLB Banka ad (XBLB:VBBB-R-A), the current FCF Margin % is 7.25% 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.

NLB Banka ad Business Description

Address Milan Tepic 4, Banja Luka, BIH, 78000
NLB Banka ad is a banking service provider that operates in Bosnia and Herzegovina. The company is engaged in offering services like retail banking which include retail banking business with private individuals, corporate banking, and financial markets.