FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Sturgis Bancorp FCF Yield % Related Terms
Sturgis Bancorp FCF Yield % Historical Data
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The historical data trend for Sturgis Bancorp's FCF Yield % 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, Sturgis Bancorp's FCF Yield %, along with its competitors' market caps and FCF Yield % 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.
Sturgis Bancorp FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Sturgis Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Sturgis Bancorp's FCF Yield % 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.
Sturgis Bancorp (STBI) has a FCF Yield % of 24.11 as of Jun. 26, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Sturgis Bancorp and its competitors. According to the industry distribution chart, Sturgis Bancorp ranks #308 out of 1505 companies in the Banks industry, placing it in the top 20.5%.
Is Sturgis Bancorp's FCF Yield % too high?
Sturgis Bancorp's current FCF Yield % is 24.11. The Banks industry median FCF Yield % is 8.20. Sturgis Bancorp's value of 24.11 is 194% above this industry median. Based on the distribution chart, Sturgis Bancorp ranks #308 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sturgis Bancorp has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sturgis Bancorp's FCF Yield % compare to BCOW and BSPA?
According to the Banks industry distribution chart, Sturgis Bancorp ranks #308 out of 1505 companies for FCF Yield %. This places Sturgis Bancorp in the top 21% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 8.20. Sturgis Bancorp's value of 24.11 is 194% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.20, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sturgis Bancorp's current FCF Yield % of 24.11 is 194% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Sturgis Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sturgis Bancorp's current FCF Yield % is 24.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sturgis Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Sturgis Bancorp (STBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.27, compared to a current price of $26.42 — trading 24.2% above its estimated fair value. The current FCF Yield % is 24.11 and 194% above the Banks industry median of 8.20. Sturgis Bancorp's overall GF Score™ is 76/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Sturgis Bancorp (STBI), the current FCF Yield % is 24.11 as of Jun. 26, 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 Sturgis Bancorp (STBI) Overvalued in 2026?
Based on GuruFocus' analysis, Sturgis Bancorp stock appears to be overvalued.
The current stock price of $26.42 is trading 24.2% above its estimated GF Value™ of $21.27.
GuruFocus considers Sturgis Bancorp to be Modestly Overvalued.
Key valuation signals for STBI:
FCF Yield %: 24.11
GF Value™: $21.27 vs. price of $26.42 (24.2% above fair value)
Industry Position: 194% above the Banks median (#308 of 1505)
No single metric tells the full story. See the STBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sturgis Bancorp Inc is a bank holding company operating predominantly in the southwestern portion of Michigan's Lower Peninsula. Through its subsidiaries, it is engaged in accepting deposits and making commercial and residential mortgage loans; providing various investment and financial advisory services; offering credit cards and different types of loans; and providing title, consumer, and commercial insurance products, among others.
76GF Score
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