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.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Marine Bancorp FLA's Enterprise Value is $58.59 Mil.
Marine Bancorp FLA's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2024 was $6.76 Mil. Therefore, Marine Bancorp FLA's EV-to-OCF for today is 8.67.
The historical rank and industry rank for Marine Bancorp FLA's EV-to-OCF or its related term are showing as below:
MBOF'
s EV-to-OCF Range Over the Past 10 Years
Min: -13.42 Med: 7.55 Max: 13.79
Current: 8.67
During the past 6 years, the highest EV-to-OCF of Marine Bancorp FLA was 13.79. The lowest was -13.42. And the median was 7.55.
MBOF's EV-to-OCF is not ranked
in the Banks industry.
Industry Median: 3.98
vs MBOF: 8.67
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.
Marine Bancorp FLA's PE Ratio (TTM) for today is calculated as:
Marine Bancorp FLA's share price for today is $43.75.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Marine Bancorp FLA's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2024 was $1.550.
* 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.
Marine Bancorp FLA EV-to-OCF Related Terms
Marine Bancorp FLA EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Marine Bancorp FLA'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, Marine Bancorp FLA'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.
Marine Bancorp FLA EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Marine Bancorp FLA's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Marine Bancorp FLA's EV-to-OCF falls into.
Marine Bancorp FLA's current Enterprise Value is $58.59 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Marine Bancorp FLA's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2024 was $6.76 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.
Marine Bancorp FLA (MBOF) has a EV-to-OCF of 8.67 as of Aug. 13, 2026. This is 15% above median its historical median of 7.55.
Is Marine Bancorp FLA's EV-to-OCF too high?
Marine Bancorp FLA's current EV-to-OCF of 8.67 is 15% above median its 10-year median of 7.55. The Banks industry median EV-to-OCF is 3.98. Marine Bancorp FLA's value of 8.67 is 117.8% above this industry median. Overall, Marine Bancorp FLA has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Marine Bancorp FLA's EV-to-OCF compare to FBSI and KLIB?
Marine Bancorp FLA's EV-to-OCF of 8.67 can be compared against companies in the Banks industry. The industry median EV-to-OCF is 3.98. Marine Bancorp FLA's value of 8.67 is 117.8% above this benchmark. While the company's 10-year median is 7.55 vs. the industry median of 3.98, Marine Bancorp FLA 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 3.98, based on 1,497 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. Marine Bancorp FLA's current EV-to-OCF of 8.67 is 117.8% 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 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Marine Bancorp FLA's current EV-to-OCF is 8.67, which is 15% above median its own 10-year median of 7.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Marine Bancorp FLA stock overvalued right now?
Marine Bancorp FLA (MBOF) has a current EV-to-OCF of 8.67. The stock's GF Value™ is $18.47, compared to a current price of $43.75 — trading 136.9% above its estimated fair value. The current EV-to-OCF is 8.67, which is 15% above median its 10-year median of 7.55 and 117.8% above the Banks industry median of 3.98. Marine Bancorp FLA's overall GF Score™ is 31/100 with 7 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 Marine Bancorp FLA (MBOF), the current EV-to-OCF is 8.67 as of Aug. 13, 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 Marine Bancorp FLA (MBOF) Overvalued in 2026?
Based on GuruFocus' analysis, Marine Bancorp FLA stock appears to be overvalued.
The current stock price of $43.75 is trading 136.9% above its estimated GF Value™ of $18.47.
Key valuation signals for MBOF:
EV-to-OCF: 8.67 (15% above median its 10-year median of 7.55)
GF Value™: $18.47 vs. price of $43.75 (136.9% above fair value)
No single metric tells the full story. See the MBOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Marine Bancorp FLA Inc, through its subsidiary, is engaged in providing banking and related services. The Bank offers a variety of community banking services to individuals and corporate customers. The company offers Checking, Loans, Debit cards, Credit cards, Commercial Loans, Merchant Services, Business savings and money markets, Mobile Banking and related services. The loan portfolio segment includes Commercial real estate, Residential real estate, Construction and land development, Commercial and Consumer.
31GF Score
Get the complete analysis for MBOF
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MBOF has been successfully added to your 
