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MNB HoldingsMNBO 32 EV-to-OCF is 11.02 as of Aug. 28, 2026, which is 344% above its 10-year median of 2.48. GuruFocus rates MNBO with a GF Score™ of 32/100 and a GF Value™ of $22.95. The stock has 5 warning signs investors should review. Among 1,493 Banks companies, MNB Holdings ranks worse than 74.08% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, MNB Holdings's Enterprise Value is $11.50 Mil.
MNB Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $1.04 Mil. Therefore, MNB Holdings's EV-to-OCF for today is 11.02.
The historical rank and industry rank for MNB Holdings's EV-to-OCF or its related term are showing as below:
MNBO'
s EV-to-OCF Range Over the Past 10 Years
Min: -565.28 Med: 2.48 Max: 41.03
Current: 11.02
During the past 13 years, the highest EV-to-OCF of MNB Holdings was 41.03. The lowest was -565.28. And the median was 2.48.
MNBO's EV-to-OCF is ranked worse than 74.08% of 1493
companies
in the Banks industry
Industry Median: 3.87
vs MNBO: 11.02
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.
MNB Holdings's PE Ratio (TTM) for today is calculated as:
MNB Holdings's share price for today is $56.30.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. MNB Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.420.
* 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.
MNB Holdings EV-to-OCF Related Terms
MNB Holdings EV-to-OCF Historical Data
* Premium members only.
The historical data trend for MNB Holdings'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, MNB Holdings'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.
MNB Holdings EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, MNB Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where MNB Holdings's EV-to-OCF falls into.
MNB Holdings's current Enterprise Value is $11.50 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. MNB Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $1.04 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.
MNB Holdings (MNBO) has a EV-to-OCF of 11.02 as of Aug. 28, 2026. This is 344% above median its historical median of 2.48. According to the industry distribution chart, MNB Holdings ranks #1106 out of 1493 companies in the Banks industry, placing it in the top 74.1%.
Is MNB Holdings' EV-to-OCF too high?
MNB Holdings' current EV-to-OCF of 11.02 is 344% above median its 10-year median of 2.48. The Banks industry median EV-to-OCF is 3.87. MNB Holdings' value of 11.02 is 184.8% above this industry median. Based on the distribution chart, MNB Holdings ranks #1106 out of 1493 companies in the Banks industry, which is below the industry midpoint. Overall, MNB Holdings has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does MNB Holdings' EV-to-OCF compare to GTPS and CAIB?
According to the Banks industry distribution chart, MNB Holdings ranks #1106 out of 1493 companies for EV-to-OCF. This places MNB Holdings in the lower half of its industry. The industry median EV-to-OCF is 3.87. MNB Holdings' value of 11.02 is 184.8% above this benchmark. While the company's 10-year median is 2.48 vs. the industry median of 3.87, MNB Holdings 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 3.87, based on 1,493 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. MNB Holdings's current EV-to-OCF of 11.02 is 184.8% 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 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MNB Holdings's current EV-to-OCF is 11.02, which is 344% above median its own 10-year median of 2.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MNB Holdings stock overvalued right now?
MNB Holdings (MNBO) has a current EV-to-OCF of 11.02. The stock's GF Value™ is $22.95, compared to a current price of $56.30 — trading 145.3% above its estimated fair value. The current EV-to-OCF is 11.02, which is 344% above median its 10-year median of 2.48 and 184.8% above the Banks industry median of 3.87. MNB Holdings' overall GF Score™ is 32/100 with 5 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 MNB Holdings (MNBO), the current EV-to-OCF is 11.02 as of Aug. 28, 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 MNB Holdings (MNBO) Overvalued in 2026?
Based on GuruFocus' analysis, MNB Holdings stock appears to be overvalued.
The current stock price of $56.30 is trading 145.3% above its estimated GF Value™ of $22.95.
Key valuation signals for MNBO:
EV-to-OCF: 11.02 (344% above median its 10-year median of 2.48)
GF Value™: $22.95 vs. price of $56.30 (145.3% above fair value)
Industry Position: 184.8% above the Banks median (#1106 of 1493)
No single metric tells the full story. See the MNBO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MNB Holdings Corp is a bank holding company. It is engaged in the general commercial banking business in the city and county of San Francisco and all other nine San Francisco Bay Area counties. The company provides traditional commercial and retail banking services, which include accepting demand, savings, and time deposits and making commercial, and real estate loans. It also offers other installment and term loans.
32GF Score
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