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BEO Bancorp ORBEOB 72 EV-to-OCF is 3.77 as of Sep. 16, 2026, which is 89% above its 10-year median of 1.99. GuruFocus rates BEOB with a GF Score™ of 72/100 and a GF Value™ of $48.11 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,487 Banks companies, BEO Bancorp OR ranks better than 51.78% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, BEO Bancorp OR's Enterprise Value is $57.95 Mil.
BEO Bancorp OR's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $15.36 Mil. Therefore, BEO Bancorp OR's EV-to-OCF for today is 3.77.
The historical rank and industry rank for BEO Bancorp OR's EV-to-OCF or its related term are showing as below:
BEOB'
s EV-to-OCF Range Over the Past 10 Years
Min: -24.88 Med: 1.99 Max: 7.51
Current: 3.77
During the past 11 years, the highest EV-to-OCF of BEO Bancorp OR was 7.51. The lowest was -24.88. And the median was 1.99.
BEOB's EV-to-OCF is ranked better than 51.78% of 1487
companies
in the Banks industry
Industry Median: 4.28
vs BEOB: 3.77
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
BEO Bancorp OR's PE Ratio (TTM) for today is calculated as:
BEO Bancorp OR's share price for today is $64.49.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. BEO Bancorp OR's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $6.601.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
BEO Bancorp OR EV-to-OCF Related Terms
BEO Bancorp OR EV-to-OCF Historical Data
* Premium members only.
The historical data trend for BEO Bancorp OR's EV-to-OCF 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, BEO Bancorp OR's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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.
BEO Bancorp OR EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, BEO Bancorp OR's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where BEO Bancorp OR's EV-to-OCF falls into.
BEO Bancorp OR's current Enterprise Value is $57.95 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. BEO Bancorp OR's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $15.36 Mil.
* 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.
BEO Bancorp OR (BEOB) has a EV-to-OCF of 3.77 as of Sep. 16, 2026. This is 89% above median its historical median of 1.99. According to the industry distribution chart, BEO Bancorp OR ranks #717 out of 1487 companies in the Banks industry, placing it in the top 48.2%.
Is BEO Bancorp OR's EV-to-OCF too high?
BEO Bancorp OR's current EV-to-OCF of 3.77 is 89% above median its 10-year median of 1.99. The Banks industry median EV-to-OCF is 4.28. BEO Bancorp OR's value of 3.77 is 11.9% below this industry median. Based on the distribution chart, BEO Bancorp OR ranks #717 out of 1487 companies in the Banks industry, which is above the industry midpoint. Overall, BEO Bancorp OR has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BEO Bancorp OR's EV-to-OCF compare to ENBP and NODB?
According to the Banks industry distribution chart, BEO Bancorp OR ranks #717 out of 1487 companies for EV-to-OCF. This puts BEO Bancorp OR in the upper half of its industry. The industry median EV-to-OCF is 4.28. BEO Bancorp OR's value of 3.77 is 11.9% below this benchmark. While the company's 10-year median is 1.99 vs. the industry median of 4.28, BEO Bancorp OR 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.28, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BEO Bancorp OR's current EV-to-OCF of 3.77 is 11.9% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BEO Bancorp OR's current EV-to-OCF is 3.77, which is 89% above median its own 10-year median of 1.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BEO Bancorp OR stock overvalued right now?
Based on GuruFocus' analysis, BEO Bancorp OR (BEOB) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.11, compared to a current price of $64.49 — trading 34% above its estimated fair value. The current EV-to-OCF is 3.77, which is 89% above median its 10-year median of 1.99 and 11.9% below the Banks industry median of 4.28. BEO Bancorp OR's overall GF Score™ is 72/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For BEO Bancorp OR (BEOB), the current EV-to-OCF is 3.77 as of Sep. 16, 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 BEO Bancorp OR (BEOB) Overvalued in 2026?
Based on GuruFocus' analysis, BEO Bancorp OR stock appears to be overvalued.
The current stock price of $64.49 is trading 34% above its estimated GF Value™ of $48.11.
GuruFocus considers BEO Bancorp OR to be Significantly Overvalued.
Key valuation signals for BEOB:
EV-to-OCF: 3.77 (89% above median its 10-year median of 1.99)
GF Value™: $48.11 vs. price of $64.49 (34% above fair value)
Industry Position: 11.9% below the Banks median (#717 of 1487)
No single metric tells the full story. See the BEOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BEO Bancorp OR provides commercial and consumer financing, banking, and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. Its activities include the usual lending and deposit functions of a commercial bank: commercial, agricultural, real estate, installment, credit card, and mortgage loans; checking, money market, time deposit, and savings accounts; internet banking and bill payment; automated teller machines and safe deposit facilities. Additionally, the Bank originates and sells mortgage loans into the secondary market.
72GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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