Palestine Islamic Bank (XPAE:ISBK) FCF Margin %: -90.83% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XPAE:ISBK Palestine Islamic Bank XPAE:ISBK
54 GF Score
Price $1.24
GF Value $1.20
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is Palestine Islamic Bank FCF Margin %?

Palestine Islamic Bank XPAE:ISBK 54 FCF Margin % is -90.83% as of Mar. 2026. GuruFocus rates XPAE:ISBK with a GF Score™ of 54/100 and a GF Value™ of $1.20 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,504 Banks companies, Palestine Islamic Bank ranks better than 51.2% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Palestine Islamic Bank's Free Cash Flow for the three months ended in Mar. 2026 was $-13.85 Mil. Palestine Islamic Bank's Revenue for the three months ended in Mar. 2026 was $15.24 Mil. Therefore, Palestine Islamic Bank's FCF Margin % for the quarter that ended in Mar. 2026 was -90.83%.

As of today, Palestine Islamic Bank's current FCF Yield % is 13.34%.

The historical rank and industry rank for Palestine Islamic Bank's FCF Margin % or its related term are showing as below:

XPAE:ISBK' s FCF Margin % Range Over the Past 10 Years
Min: -140.06   Med: -50.73   Max: 171.71
Current: 27.32


During the past 13 years, the highest FCF Margin % of Palestine Islamic Bank was 171.71%. The lowest was -140.06%. And the median was -50.73%.

XPAE:ISBK's FCF Margin % is ranked better than
51.2% of 1504 companies
in the Banks industry
Industry Median: 26.485 vs XPAE:ISBK: 27.32


Palestine Islamic Bank FCF Margin % Related Terms


Palestine Islamic Bank FCF Margin % Historical Data

* Premium members only.

The historical data trend for Palestine Islamic 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.

Palestine Islamic Bank FCF Margin % Chart

Palestine Islamic Bank 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 -31.49 -53.37 -17.84 171.71 33.21

Palestine Islamic Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 -60.34 -45.50 66.32 193.39 -90.83

XPAE:ISBK vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, Palestine Islamic 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.


Palestine Islamic Bank FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Palestine Islamic Bank's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Palestine Islamic Bank's FCF Margin % falls into.


XPAE:ISBK
54GF Score
Palestine Islamic Bank XPAE:ISBK
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Palestine Islamic Bank FCF Margin % Calculation

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

Palestine Islamic Bank'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 )
=21.623/65.115
=33.21 %

Palestine Islamic Bank's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-13.845/15.242
=-90.83 %

* 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 -90.83% mean?
Palestine Islamic Bank (XPAE:ISBK) has a FCF Margin % of -90.83% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Palestine Islamic Bank and its competitors. According to the industry distribution chart, Palestine Islamic Bank ranks #734 out of 1504 companies in the Banks industry, placing it in the top 48.8%.
Is Palestine Islamic Bank's FCF Margin % too high?
Palestine Islamic Bank's current FCF Margin % is -90.83%. Based on the distribution chart, Palestine Islamic Bank ranks #734 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, Palestine Islamic Bank has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Palestine Islamic Bank's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Palestine Islamic Bank ranks #734 out of 1504 companies for FCF Margin %. This puts Palestine Islamic Bank in the upper half of its industry. The industry median FCF Margin % is 26.49. 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 26.49, 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. 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 Palestine Islamic Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Palestine Islamic Bank's current FCF Margin % is -90.83%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Palestine Islamic Bank stock overvalued right now?
Based on GuruFocus' analysis, Palestine Islamic Bank (XPAE:ISBK) is currently considered Fairly Valued. The stock's GF Value™ is $1.20, compared to a current price of $1.24 — trading 3.3% above its estimated fair value. The current FCF Margin % is -90.83%. Palestine Islamic Bank's overall GF Score™ is 54/100 with 1 warning sign 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 Palestine Islamic Bank (XPAE:ISBK), the current FCF Margin % is -90.83% as of Mar. 2026. 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 Palestine Islamic Bank (XPAE:ISBK) Overvalued in 2026?

Based on GuruFocus' analysis, Palestine Islamic Bank stock appears to be overvalued. The current stock price of $1.24 is trading 3.3% above its estimated GF Value™ of $1.20. GuruFocus considers Palestine Islamic Bank to be Fairly Valued.

Key valuation signals for XPAE:ISBK:

  • FCF Margin %: -90.83%
  • GF Value™: $1.20 vs. price of $1.24 (3.3% above fair value)
  • GF Score™: 54/100 with 1 warning sign

No single metric tells the full story. See the XPAE:ISBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Palestine Islamic Bank Business Description

Address P.O. Box 2106, Ramallah - Al Masyoun, PSE
Palestine Islamic Bank offers personal, business, and investment banking products and services to customers in Palestine. It is engaged in baking, finance, commercial and investment services in accordance with the provisions of Islamic Sharia.
54GF Score

Get the complete analysis for XPAE:ISBK

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.24
Price
$1.20
GF Value