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Summit Bank GroupSBKO -0.99%60 EV-to-OCF is 3.33 as of Sep. 16, 2026, which is 197% above its 10-year median of 1.12. GuruFocus rates SBKO with a GF Score™ of 60/100 and a GF Value™ of $16.68 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,487 Banks companies, Summit Bank Group ranks better than 53.8% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Summit Bank Group's Enterprise Value is $90.94 Mil.
Summit Bank Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $27.28 Mil. Therefore, Summit Bank Group's EV-to-OCF for today is 3.33.
The historical rank and industry rank for Summit Bank Group's EV-to-OCF or its related term are showing as below:
SBKO'
s EV-to-OCF Range Over the Past 10 Years
Min: -6.65 Med: 1.12 Max: 12.6
Current: 3.33
During the past 9 years, the highest EV-to-OCF of Summit Bank Group was 12.60. The lowest was -6.65. And the median was 1.12.
SBKO's EV-to-OCF is ranked better than 53.8% of 1487
companies
in the Banks industry
Industry Median: 4.28
vs SBKO: 3.33
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.
Summit Bank Group (OTCPK:SBKO) 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.
Summit Bank Group's PE Ratio (TTM) for today is calculated as:
Summit Bank Group's share price for today is $25.00.
Summit Bank Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.130.
* 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.
Summit Bank Group EV-to-OCF Related Terms
Summit Bank Group EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Summit Bank Group'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, Summit Bank Group'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.
Summit Bank Group EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Summit Bank Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Summit Bank Group's EV-to-OCF falls into.
Summit Bank Group's current Enterprise Value is $90.94 Mil.
Summit Bank Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $27.28 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.
Summit Bank Group (SBKO) has a EV-to-OCF of 3.33 as of Sep. 16, 2026. This is 197% above median its historical median of 1.12. According to the industry distribution chart, Summit Bank Group ranks #687 out of 1487 companies in the Banks industry, placing it in the top 46.2%.
Is Summit Bank Group's EV-to-OCF too high?
Summit Bank Group's current EV-to-OCF of 3.33 is 197% above median its 10-year median of 1.12. The Banks industry median EV-to-OCF is 4.28. Summit Bank Group's value of 3.33 is 22.2% below this industry median. Based on the distribution chart, Summit Bank Group ranks #687 out of 1487 companies in the Banks industry, which is above the industry midpoint. Overall, Summit Bank Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bank Group's EV-to-OCF compare to FINW and CSBB?
According to the Banks industry distribution chart, Summit Bank Group ranks #687 out of 1487 companies for EV-to-OCF. This puts Summit Bank Group in the upper half of its industry. The industry median EV-to-OCF is 4.28. Summit Bank Group's value of 3.33 is 22.2% below this benchmark. While the company's 10-year median is 1.12 vs. the industry median of 4.28, Summit Bank Group has consistently been below 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 4.28, based on 1,487 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. Summit Bank Group's current EV-to-OCF of 3.33 is 22.2% below 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 4.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit Bank Group's current EV-to-OCF is 3.33, which is 197% above median its own 10-year median of 1.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit Bank Group stock overvalued right now?
Based on GuruFocus' analysis, Summit Bank Group (SBKO) is currently considered Significantly Overvalued. The stock's GF Value™ is $16.68, compared to a current price of $25.00 — trading 49.9% above its estimated fair value. The current EV-to-OCF is 3.33, which is 197% above median its 10-year median of 1.12 and 22.2% below the Banks industry median of 4.28. Summit Bank Group's overall GF Score™ is 60/100 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 Summit Bank Group (SBKO), the current EV-to-OCF is 3.33 as of Sep. 16, 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 Summit Bank Group (SBKO) Overvalued in 2026?
Based on GuruFocus' analysis, Summit Bank Group stock appears to be overvalued.
The current stock price of $25.00 is trading 49.9% above its estimated GF Value™ of $16.68.
GuruFocus considers Summit Bank Group to be Significantly Overvalued.
Key valuation signals for SBKO:
EV-to-OCF: 3.33 (197% above median its 10-year median of 1.12)
GF Value™: $16.68 vs. price of $25.00 (49.9% above fair value)
Industry Position: 22.2% below the Banks median (#687 of 1487)
No single metric tells the full story. See the SBKO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Summit Bank Group Inc provides commercial banking, financing, real estate lending and other services in Lane, Deschutes and Multnomah Counties in Oregon. It also specializes in providing high-level service to professionals and medium-sized businesses and their owners.
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