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Hamlin Bank and Trust CoHMLN +5.63%71 EV-to-OCF is 16.76 as of Aug. 14, 2026, which is 27% above its 10-year median of 13.16. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $278.37 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,496 Banks companies, Hamlin Bank and Trust Co ranks worse than 84.63% on this metric.
The historical rank and industry rank for Hamlin Bank and Trust Co's EV-to-OCF or its related term are showing as below:
HMLN'
s EV-to-OCF Range Over the Past 10 Years
Min: 0.86 Med: 13.16 Max: 20.11
Current: 16.76
During the past 12 years, the highest EV-to-OCF of Hamlin Bank and Trust Co was 20.11. The lowest was 0.86. And the median was 13.16.
HMLN's EV-to-OCF is ranked worse than 84.63% of 1496
companies
in the Banks industry
Industry Median: 3.88
vs HMLN: 16.76
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.
Hamlin Bank and Trust Co (OTCPK:HMLN) 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.
Hamlin Bank and Trust Co's PE Ratio (TTM) for today is calculated as:
Hamlin Bank and Trust Co's share price for today is $264.08.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Hamlin Bank and Trust Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $19.230.
* 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.
Hamlin Bank and Trust Co EV-to-OCF Related Terms
Hamlin Bank and Trust Co 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, Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Hamlin Bank and Trust Co's EV-to-OCF falls into.
Hamlin Bank and Trust Co's current Enterprise Value is $70.85 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Hamlin Bank and Trust Co's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $4.23 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.
Hamlin Bank and Trust Co (HMLN) has a EV-to-OCF of 16.76 as of Aug. 14, 2026. This is 27% above median its historical median of 13.16. Over the past decade, Hamlin Bank and Trust Co's EV-to-OCF has ranged from 0.86 to 20.11. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #1266 out of 1496 companies in the Banks industry, placing it in the top 84.6%.
Is Hamlin Bank and Trust Co's EV-to-OCF too high?
Hamlin Bank and Trust Co's current EV-to-OCF of 16.76 is 27% above median its 10-year median of 13.16. Over the past 10 years, this metric has ranged from a low of 0.86 to a high of 20.11. The Banks industry median EV-to-OCF is 3.88. Hamlin Bank and Trust Co's value of 16.76 is 332% above this industry median. Based on the distribution chart, Hamlin Bank and Trust Co ranks #1266 out of 1496 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's EV-to-OCF compare to IBTN and CZBT?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #1266 out of 1496 companies for EV-to-OCF. This places Hamlin Bank and Trust Co in the lower half of its industry. The industry median EV-to-OCF is 3.88. Hamlin Bank and Trust Co's value of 16.76 is 332% above this benchmark. Historically, Hamlin Bank and Trust Co's own EV-to-OCF has ranged from 0.86 to 20.11 over the past decade. While the company's 10-year median is 13.16 vs. the industry median of 3.88, Hamlin Bank and Trust Co 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 3.88, based on 1,496 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. Hamlin Bank and Trust Co's current EV-to-OCF of 16.76 is 332% 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 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamlin Bank and Trust Co's current EV-to-OCF is 16.76, which is 27% above median its own 10-year median of 13.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Fairly Valued. The stock's GF Value™ is $278.37, compared to a current price of $264.08 — trading 5.1% below its estimated fair value. The current EV-to-OCF is 16.76, which is 27% above median its 10-year median of 13.16 and 332% above the Banks industry median of 3.88. Hamlin Bank and Trust Co'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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Hamlin Bank and Trust Co (HMLN), the current EV-to-OCF is 16.76 as of Aug. 14, 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued.
The current stock price of $264.08 is trading 5.1% below its estimated GF Value™ of $278.37.
GuruFocus considers Hamlin Bank and Trust Co to be Fairly Valued.
Key valuation signals for HMLN:
EV-to-OCF: 16.76 (27% above median its 10-year median of 13.16)
GF Value™: $278.37 vs. price of $264.08 (5.1% below fair value)
Industry Position: 332% above the Banks median (#1266 of 1496)
No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score
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