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.
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.
FNBFIDS 63 OCF Margin % is 18.58% as of Dec. 2025, which is 29% below its 10-year median of 26.06. GuruFocus rates FIDS with a GF Score™ of 63/100 and a GF Value™ of $22.60 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,498 Banks companies, FNB ranks worse than 64.22% on this metric.
OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. FNB's Cash Flow from Operations for the
six
months ended in Dec. 2025 was $2.39 Mil. FNB's Revenue for the
six
months ended in Dec. 2025 was $12.86 Mil. Therefore, FNB's OCF Margin % for the quarter that ended in Dec. 2025 was 18.58%.
The historical rank and industry rank for FNB's OCF Margin % or its related term are showing as below:
FIDS'
s OCF Margin % Range Over the Past 10 Years
Min: 11.57 Med: 26.06 Max: 39.51
Current: 18.58
During the past 12 years, the highest OCF Margin % of FNB was 39.51%. The lowest was 11.57%. And the median was 26.06%.
FIDS's OCF Margin % is ranked worse than 64.22% of 1498
companies
in the Banks industry
Industry Median: 29
vs FIDS: 18.58
FNB OCF Margin % Related Terms
FNB OCF Margin % Historical Data
* Premium members only.
The historical data trend for FNB's OCF 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.
For the Banks - Regional subindustry, FNB's OCF Margin %, along with its competitors' market caps and OCF 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.
FNB OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FNB's OCF Margin % distribution charts can be found below:
* The bar in red indicates where FNB's OCF 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.
FNB (FIDS) has a OCF Margin % of 18.58% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on FNB and its competitors. This is 29% below median its historical median of 26.06. Over the past decade, FNB's OCF Margin % has ranged from 11.57 to 39.51. According to the industry distribution chart, FNB ranks #962 out of 1498 companies in the Banks industry, placing it in the top 64.2%.
Is FNB's OCF Margin % too high?
FNB's current OCF Margin % of 18.58% is 29% below median its 10-year median of 26.06. Over the past 10 years, this metric has ranged from a low of 11.57 to a high of 39.51. The Banks industry median OCF Margin % is 29.00. FNB's value of 18.58% is 35.9% below this industry median. Based on the distribution chart, FNB ranks #962 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, FNB has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FNB's OCF Margin % compare to MSBB and LOGN?
According to the Banks industry distribution chart, FNB ranks #962 out of 1498 companies for OCF Margin %. This places FNB in the lower half of its industry. The industry median OCF Margin % is 29.00. FNB's value of 18.58% is 35.9% below this benchmark. Historically, FNB's own OCF Margin % has ranged from 11.57 to 39.51 over the past decade. While the company's 10-year median is 26.06 vs. the industry median of 29.00, FNB 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FNB's current OCF Margin % of 18.58% is 35.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on FNB and its competitors. For the Banks industry, the median OCF Margin % is 29.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FNB's current OCF Margin % is 18.58%, which is 29% below median its own 10-year median of 26.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FNB stock overvalued right now?
Based on GuruFocus' analysis, FNB (FIDS) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.60, compared to a current price of $29.92 — trading 32.4% above its estimated fair value. The current OCF Margin % is 18.58%, which is 29% below median its 10-year median of 26.06 and 35.9% below the Banks industry median of 29.00. FNB's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For FNB (FIDS), the current OCF Margin % is 18.58% 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.
Is FNB (FIDS) Overvalued in 2026?
Based on GuruFocus' analysis, FNB stock appears to be overvalued.
The current stock price of $29.92 is trading 32.4% above its estimated GF Value™ of $22.60.
GuruFocus considers FNB to be Significantly Overvalued.
Key valuation signals for FIDS:
OCF Margin %: 18.58% (29% below median its 10-year median of 26.06)
GF Value™: $22.60 vs. price of $29.92 (32.4% above fair value)
Industry Position: 35.9% below the Banks median (#962 of 1498)
No single metric tells the full story. See the FIDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FNB Inc is a bank holding company. The Company, through its subsidiaries, provides banking products and services. The company has the following segments: Commercial Real Estate, Commercial and Industrial, Other Commercial, Installments, and Other segments, with the majority of revenue from Commercial Real Estate.
63GF Score
Get the complete analysis for FIDS
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FIDS has been successfully added to your 
