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* 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, Komercijalna Banka AD Skopje'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.
Komercijalna Banka AD Skopje FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Komercijalna Banka AD Skopje's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Komercijalna Banka AD Skopje'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.
Komercijalna Banka AD Skopje (XMAE:KMB) has a FCF Margin % of 110.40% as of Sep. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Komercijalna Banka AD Skopje and its competitors. This is near median its historical median of 115.16. According to the industry distribution chart, Komercijalna Banka AD Skopje ranks #224 out of 1507 companies in the Banks industry, placing it in the top 14.9%.
Is Komercijalna Banka AD Skopje's FCF Margin % too high?
Komercijalna Banka AD Skopje's current FCF Margin % of 110.40% is near median its 10-year median of 115.16. The Banks industry median FCF Margin % is 26.55. Komercijalna Banka AD Skopje's value of 110.40% is 315.8% above this industry median. Based on the distribution chart, Komercijalna Banka AD Skopje ranks #224 out of 1507 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Komercijalna Banka AD Skopje has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Komercijalna Banka AD Skopje's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Komercijalna Banka AD Skopje ranks #224 out of 1507 companies for FCF Margin %. This places Komercijalna Banka AD Skopje in the top 15% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Komercijalna Banka AD Skopje's value of 110.40% is 315.8% above this benchmark. While the company's 10-year median is 115.16 vs. the industry median of 26.55, Komercijalna Banka AD Skopje 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 1,507 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. Komercijalna Banka AD Skopje's current FCF Margin % of 110.40% is 315.8% 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 Komercijalna Banka AD Skopje 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. Komercijalna Banka AD Skopje's current FCF Margin % is 110.40%, which is near median its own 10-year median of 115.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercijalna Banka AD Skopje stock overvalued right now?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje (XMAE:KMB) is currently considered Modestly Undervalued. The stock's GF Value™ is MKD27,961.18, compared to a current price of MKD25,300.00 — trading 9.5% below its estimated fair value. The current FCF Margin % is 110.40%, which is near median its 10-year median of 115.16 and 315.8% above the Banks industry median of 26.55. Komercijalna Banka AD Skopje's overall GF Score™ is 65/100 with 3 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 Komercijalna Banka AD Skopje (XMAE:KMB), the current FCF Margin % is 110.40% as of Sep. 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 Komercijalna Banka AD Skopje (XMAE:KMB) Overvalued in 2026?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje stock appears to be undervalued.
The current stock price of MKD25,300.00 is trading 9.5% below its estimated GF Value™ of MKD27,961.18.
GuruFocus considers Komercijalna Banka AD Skopje to be Modestly Undervalued.
Key valuation signals for XMAE:KMB:
FCF Margin %: 110.40% (near median its 10-year median of 115.16)
GF Value™: MKD27,961.18 vs. price of MKD25,300.00 (9.5% below fair value)
Industry Position: 315.8% above the Banks median (#224 of 1507)
No single metric tells the full story. See the XMAE:KMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercijalna Banka AD Skopje is a commercial bank. The principal activities of the bank are - collecting deposits, placing loans and advances domestically and abroad, factoring and financing commercial transactions, foreign exchange operations, fast money transfer, trading with foreign currencies, trading with securities, services of a bank-custodian of investment and pension funds, intermediating in selling insurance policies, data collection and analysis of company's credit rating, and many others. It operates in the Republic of Macedonia, Europe, and other EU member countries.
65GF Score
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