Fidelity BankNSA:FBP 71 OCF Margin % is 30.83% as of Mar. 2026, which is 73% below its 10-year median of 115.58. GuruFocus rates NSA:FBP with a GF Score™ of 71/100 and a GF Value™ of ₦14.13 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,500 Banks companies, Fidelity Bank ranks worse than 70.87% on this metric.
The historical rank and industry rank for Fidelity Bank's OCF Margin % or its related term are showing as below:
NSA:FBP'
s OCF Margin % Range Over the Past 10 Years
Min: -143.98 Med: 115.58 Max: 188.98
Current: 9.43
During the past 13 years, the highest OCF Margin % of Fidelity Bank was 188.98%. The lowest was -143.98%. And the median was 115.58%.
NSA:FBP's OCF Margin % is ranked worse than 70.87% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs NSA:FBP: 9.43
Fidelity Bank OCF Margin % Related Terms
Fidelity Bank OCF Margin % Historical Data
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The historical data trend for Fidelity Bank'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, Fidelity Bank'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.
Fidelity Bank OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Fidelity Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Fidelity Bank'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.
Fidelity Bank (NSA:FBP) has a OCF Margin % of 30.83% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Fidelity Bank and its competitors. This is 73% below median its historical median of 115.58. According to the industry distribution chart, Fidelity Bank ranks #1063 out of 1500 companies in the Banks industry, placing it in the top 70.9%.
Is Fidelity Bank's OCF Margin % too high?
Fidelity Bank's current OCF Margin % of 30.83% is 73% below median its 10-year median of 115.58. The Banks industry median OCF Margin % is 29.44. Fidelity Bank's value of 30.83% is 4.7% above this industry median. Based on the distribution chart, Fidelity Bank ranks #1063 out of 1500 companies in the Banks industry, which is below the industry midpoint. Overall, Fidelity Bank has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity Bank's OCF Margin % compare to competitors?
According to the Banks industry distribution chart, Fidelity Bank ranks #1063 out of 1500 companies for OCF Margin %. This places Fidelity Bank in the lower half of its industry. The industry median OCF Margin % is 29.44. Fidelity Bank's value of 30.83% is 4.7% above this benchmark. While the company's 10-year median is 115.58 vs. the industry median of 29.44, Fidelity Bank 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 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. Fidelity Bank's current OCF Margin % of 30.83% is 4.7% 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 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 Fidelity Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity Bank's current OCF Margin % is 30.83%, which is 73% below median its own 10-year median of 115.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity Bank stock overvalued right now?
Based on GuruFocus' analysis, Fidelity Bank (NSA:FBP) is currently considered Modestly Overvalued. The stock's GF Value™ is ₦14.13, compared to a current price of ₦18.15 — trading 28.5% above its estimated fair value. The current OCF Margin % is 30.83%, which is 73% below median its 10-year median of 115.58 and 4.7% above the Banks industry median of 29.44. Fidelity Bank's overall GF Score™ is 71/100 with 4 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 Fidelity Bank (NSA:FBP), the current OCF Margin % is 30.83% 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 Fidelity Bank (NSA:FBP) Overvalued in 2026?
Based on GuruFocus' analysis, Fidelity Bank stock appears to be overvalued.
The current stock price of ₦18.15 is trading 28.5% above its estimated GF Value™ of ₦14.13.
GuruFocus considers Fidelity Bank to be Modestly Overvalued.
Key valuation signals for NSA:FBP:
OCF Margin %: 30.83% (73% below median its 10-year median of 115.58)
GF Value™: ₦14.13 vs. price of ₦18.15 (28.5% above fair value)
Industry Position: 4.7% above the Banks median (#1063 of 1500)
No single metric tells the full story. See the NSA:FBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fidelity Bank PLC offers banking and other financial services to corporate and individual customers. It operates through segments including Retail banking that offers retail, personal and commercial services to individuals, small and medium business customers and E-Business products to serve retail banking; Its Corporate Banking segment offers commercial and corporate banking services to corporate business customers, it covers the Power and Infrastructure, Oil and Gas Upstream and downstream, Real Estate, Agro-Allied, and other industries; and Investment banking segment is involved in the funding and management of the bank's securities, trading, and investment decisions. It generates maximum revenue from the Retail Segment.
71GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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