MF Banka AD (XBLB:IEFB-R-A) Margin of Safety % (DCF FCF Based): 94.14% (As of Jul. 15, 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.

What is MF Banka AD Margin of Safety % (DCF FCF Based)?

MF Banka AD XBLB:IEFB-R-A Margin of Safety % (DCF FCF Based) is 94.14% as of Jul. 15, 2026. The stock has 2 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-15), MF Banka AD's Predictability Rank is 4.5-Stars. MF Banka AD's intrinsic value calculated from the Discounted FCF model is BAM796.47 and current share price is BAM174.82. Consequently,

MF Banka AD's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 94.14%.

XBLB:IEFB-R-A vs USB, PNC: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, MF Banka AD's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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.

MF Banka AD Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, MF Banka AD's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where MF Banka AD's Margin of Safety % (DCF FCF Based) falls into.


MF Banka AD Margin of Safety % (DCF FCF Based) Calculation

MF Banka AD's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(2985.19-174.82)/2985.19
=94.14 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 94.14% mean?
MF Banka AD (XBLB:IEFB-R-A) has a Margin of Safety % (DCF FCF Based) of 94.14% as of Jul. 15, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on MF Banka AD.
Is MF Banka AD's Margin of Safety % (DCF FCF Based) too high?
MF Banka AD's current Margin of Safety % (DCF FCF Based) is 94.14%.
How does MF Banka AD's Margin of Safety % (DCF FCF Based) compare to USB and PNC?
MF Banka AD's Margin of Safety % (DCF FCF Based) of 94.14% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on MF Banka AD. MF Banka AD's current Margin of Safety % (DCF FCF Based) is 94.14%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MF Banka AD stock overvalued right now?
MF Banka AD (XBLB:IEFB-R-A) has a current Margin of Safety % (DCF FCF Based) of 94.14%. The stock's GF Value™ is BAM108.56, compared to a current price of BAM174.82 — trading 61% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 94.14%. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For MF Banka AD (XBLB:IEFB-R-A), the current Margin of Safety % (DCF FCF Based) is 94.14% as of Jul. 15, 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.

MF Banka AD Business Description

Address Aleja Svetog Save Street No. 61, Banja Luka, BIH
MF Banka AD provides is a regional bank engaged in providing banking products and services. The bank is licensed to perform banking activities that include payment transfers, crediting, and depositary operations in the country and abroad. It offers savings products, loans, payment services, deposit and documentary operations services, cards, electronic and mobile banking, SMS, and ATM services. Geographically, it operates in the region of Bosnia and Herzegovina and serves individuals, businesses, and small and medium-sized enterprises.