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Oak Ridge Financial ServicesBKOR 61 EV-to-OCF is 12.65 as of Jul. 29, 2026, which is 40% above its 10-year median of 9.04. GuruFocus rates BKOR with a GF Score™ of 61/100 and a GF Value™ of $22.48 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,500 Banks companies, Oak Ridge Financial Services ranks worse than 77.13% on this metric.
The historical rank and industry rank for Oak Ridge Financial Services's EV-to-OCF or its related term are showing as below:
BKOR'
s EV-to-OCF Range Over the Past 10 Years
Min: -2.15 Med: 9.04 Max: 18.66
Current: 12.65
During the past 13 years, the highest EV-to-OCF of Oak Ridge Financial Services was 18.66. The lowest was -2.15. And the median was 9.04.
BKOR's EV-to-OCF is ranked worse than 77.13% of 1500
companies
in the Banks industry
Industry Median: 3.785
vs BKOR: 12.65
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.
Oak Ridge Financial Services (OTCPK:BKOR) EV-to-OCF Explanation
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.
Oak Ridge Financial Services's PE Ratio (TTM) for today is calculated as:
Oak Ridge Financial Services's share price for today is $31.50.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Oak Ridge Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.920.
* 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.
Oak Ridge Financial Services EV-to-OCF Related Terms
Oak Ridge Financial Services EV-to-OCF Historical Data
* 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, Oak Ridge Financial Services'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.
Oak Ridge Financial Services EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Oak Ridge Financial Services's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Oak Ridge Financial Services's EV-to-OCF falls into.
Oak Ridge Financial Services's current Enterprise Value is $111.57 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Oak Ridge Financial Services's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $8.82 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.
Oak Ridge Financial Services (BKOR) has a EV-to-OCF of 12.65 as of Jul. 29, 2026. This is 40% above median its historical median of 9.04. According to the industry distribution chart, Oak Ridge Financial Services ranks #1157 out of 1500 companies in the Banks industry, placing it in the top 77.1%.
Is Oak Ridge Financial Services' EV-to-OCF too high?
Oak Ridge Financial Services' current EV-to-OCF of 12.65 is 40% above median its 10-year median of 9.04. The Banks industry median EV-to-OCF is 3.79. Oak Ridge Financial Services' value of 12.65 is 234.2% above this industry median. Based on the distribution chart, Oak Ridge Financial Services ranks #1157 out of 1500 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Oak Ridge Financial Services has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oak Ridge Financial Services' EV-to-OCF compare to SLRK and MCBK?
According to the Banks industry distribution chart, Oak Ridge Financial Services ranks #1157 out of 1500 companies for EV-to-OCF. This places Oak Ridge Financial Services in the lower half of its industry. The industry median EV-to-OCF is 3.79. Oak Ridge Financial Services' value of 12.65 is 234.2% above this benchmark. While the company's 10-year median is 9.04 vs. the industry median of 3.79, Oak Ridge Financial Services 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.79, based on 1,500 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. Oak Ridge Financial Services's current EV-to-OCF of 12.65 is 234.2% 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 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 3.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oak Ridge Financial Services's current EV-to-OCF is 12.65, which is 40% above median its own 10-year median of 9.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oak Ridge Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Oak Ridge Financial Services (BKOR) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.48, compared to a current price of $31.50 — trading 40.1% above its estimated fair value. The current EV-to-OCF is 12.65, which is 40% above median its 10-year median of 9.04 and 234.2% above the Banks industry median of 3.79. Oak Ridge Financial Services' overall GF Score™ is 61/100 with 4 warning signs 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 Oak Ridge Financial Services (BKOR), the current EV-to-OCF is 12.65 as of Jul. 29, 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 Oak Ridge Financial Services (BKOR) Overvalued in 2026?
Based on GuruFocus' analysis, Oak Ridge Financial Services stock appears to be overvalued.
The current stock price of $31.50 is trading 40.1% above its estimated GF Value™ of $22.48.
GuruFocus considers Oak Ridge Financial Services to be Significantly Overvalued.
Key valuation signals for BKOR:
EV-to-OCF: 12.65 (40% above median its 10-year median of 9.04)
GF Value™: $22.48 vs. price of $31.50 (40.1% above fair value)
Industry Position: 234.2% above the Banks median (#1157 of 1500)
No single metric tells the full story. See the BKOR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oak Ridge Financial Services Inc is a bank holding company. Along with its banking subsidiary, it offers financial services such as accepting a full range of deposit products and originating commercial and consumer loans, providing online banking services, etc., through its branch network located in Guilford County, North Carolina.
61GF Score
Get the complete analysis for BKOR
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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