MSBC (Mission Bancorp) EV-to-OCF: (As of Jul. 31, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

MSBC Mission Bancorp MSBC
71 GF Score
Price $112.00
GF Value $92.86
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Mission Bancorp EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Mission Bancorp's Enterprise Value is $205.96 Mil. Mission Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, Mission Bancorp's EV-to-OCF for today is .

The historical rank and industry rank for Mission Bancorp's EV-to-OCF or its related term are showing as below:

MSBC' s EV-to-OCF Range Over the Past 10 Years
Min: 7.38   Med: 0   Max: 7.46
Current: 7.46

During the past 13 years, the highest EV-to-OCF of Mission Bancorp was 7.46. The lowest was 7.38. And the median was .

MSBC's EV-to-OCF is ranked worse than
62.4% of 1500 companies
in the Banks industry
Industry Median: 3.975 vs MSBC: 7.46

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.

As of today (2026-07-31), Mission Bancorp's stock price is $112.00. Mission Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $9.162. Therefore, Mission Bancorp's PE Ratio (TTM) for today is 12.22.


Mission Bancorp  (OTCPK:MSBC) 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.

Mission Bancorp's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=112.00/9.162
=12.22

Mission Bancorp's share price for today is $112.00.
Mission Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $9.162.

* 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.


Mission Bancorp EV-to-OCF Related Terms


Mission Bancorp EV-to-OCF Historical Data

* Premium members only.

The historical data trend for Mission Bancorp'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.

Mission Bancorp EV-to-OCF Chart

Mission Bancorp Annual Data
Trend Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -9.42 3.44 3.25 -0.58 4.35

Mission Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-OCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 4.35 0.00

MSBC vs TSBK, BCML, MFGI: EV-to-OCF Comparison

For the Banks - Regional subindustry, Mission Bancorp'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.


Mission Bancorp EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, Mission Bancorp's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where Mission Bancorp's EV-to-OCF falls into.


MSBC
71GF Score
Mission Bancorp MSBC
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mission Bancorp EV-to-OCF Calculation

Mission Bancorp's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=205.956/0
=

Mission Bancorp's current Enterprise Value is $205.96 Mil.
Mission Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 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.

Is Mission Bancorp (MSBC) Overvalued in 2026?

Based on GuruFocus' analysis, Mission Bancorp stock appears to be overvalued. The current stock price of $112.00 is trading 20.6% above its estimated GF Value™ of $92.86. GuruFocus considers Mission Bancorp to be Modestly Overvalued.

Key valuation signals for MSBC:

  • EV-to-OCF:
  • GF Value™: $92.86 vs. price of $112.00 (20.6% above fair value)
  • GF Score™: 71/100 with 3 warning signs

No single metric tells the full story. See the MSBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Mission Bancorp Business Description

Address 11200 River Run Boulevard, Suite 100, Bakersfield, CA, USA, 93311
Mission Bancorp through its wholly owned subsidiary Mission Bank, is a single bank holding company. The company offers a full range of commercial banking services to the business and professional community and individuals. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers located in the California counties of Kern, Los Angeles, Ventura, San Luis Obispo, and San Joaquin.
71GF Score

Get the complete analysis for MSBC

EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$112.00
Price
$92.86
GF Value