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Security BancorpSCYT -2.38%58 EV-to-OCF is 4.75 as of Aug. 02, 2026, which is 533% above its 10-year median of 0.75. GuruFocus rates SCYT with a GF Score™ of 58/100 and a GF Value™ of $88.84 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,500 Banks companies, Security Bancorp ranks worse than 53.33% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Security Bancorp's Enterprise Value is $29.98 Mil.
Security Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $6.31 Mil. Therefore, Security Bancorp's EV-to-OCF for today is 4.75.
The historical rank and industry rank for Security Bancorp's EV-to-OCF or its related term are showing as below:
SCYT'
s EV-to-OCF Range Over the Past 10 Years
Min: -13.28 Med: 0.75 Max: 5.37
Current: 4.75
During the past 13 years, the highest EV-to-OCF of Security Bancorp was 5.37. The lowest was -13.28. And the median was 0.75.
SCYT's EV-to-OCF is ranked worse than 53.33% of 1500
companies
in the Banks industry
Industry Median: 3.985
vs SCYT: 4.75
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.
Security Bancorp's PE Ratio (TTM) for today is calculated as:
Security Bancorp's share price for today is $123.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Security Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $14.390.
* 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.
Security Bancorp EV-to-OCF Related Terms
Security Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Security 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.
For the Banks - Regional subindustry, Security 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.
Security Bancorp EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Security Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Security Bancorp's EV-to-OCF falls into.
Security Bancorp's current Enterprise Value is $29.98 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Security Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $6.31 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.
Security Bancorp (SCYT) has a EV-to-OCF of 4.75 as of Aug. 02, 2026. This is 533% above median its historical median of 0.75. According to the industry distribution chart, Security Bancorp ranks #800 out of 1500 companies in the Banks industry, placing it in the top 53.3%.
Is Security Bancorp's EV-to-OCF too high?
Security Bancorp's current EV-to-OCF of 4.75 is 533% above median its 10-year median of 0.75. The Banks industry median EV-to-OCF is 3.99. Security Bancorp's value of 4.75 is 19.2% above this industry median. Based on the distribution chart, Security Bancorp ranks #800 out of 1500 companies in the Banks industry, which is below the industry midpoint. Overall, Security Bancorp has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Security Bancorp's EV-to-OCF compare to PVBK and WDFN?
According to the Banks industry distribution chart, Security Bancorp ranks #800 out of 1500 companies for EV-to-OCF. This places Security Bancorp in the lower half of its industry. The industry median EV-to-OCF is 3.99. Security Bancorp's value of 4.75 is 19.2% above this benchmark. While the company's 10-year median is 0.75 vs. the industry median of 3.99, Security Bancorp 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 3.99, based on 1,500 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. Security Bancorp's current EV-to-OCF of 4.75 is 19.2% 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 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Bancorp's current EV-to-OCF is 4.75, which is 533% above median its own 10-year median of 0.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Security Bancorp (SCYT) is currently considered Significantly Overvalued. The stock's GF Value™ is $88.84, compared to a current price of $123.00 — trading 38.5% above its estimated fair value. The current EV-to-OCF is 4.75, which is 533% above median its 10-year median of 0.75 and 19.2% above the Banks industry median of 3.99. Security Bancorp's overall GF Score™ is 58/100 with 6 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 Security Bancorp (SCYT), the current EV-to-OCF is 4.75 as of Aug. 02, 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 Security Bancorp (SCYT) Overvalued in 2026?
Based on GuruFocus' analysis, Security Bancorp stock appears to be overvalued.
The current stock price of $123.00 is trading 38.5% above its estimated GF Value™ of $88.84.
GuruFocus considers Security Bancorp to be Significantly Overvalued.
Key valuation signals for SCYT:
EV-to-OCF: 4.75 (533% above median its 10-year median of 0.75)
GF Value™: $88.84 vs. price of $123.00 (38.5% above fair value)
Industry Position: 19.2% above the Banks median (#800 of 1500)
No single metric tells the full story. See the SCYT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security Bancorp Inc is a bank holding company. The company is a community-oriented financial institution organized to address the needs of McMinnville and Warren County. It is engaged in attracting deposits from the general public and using those funds to originate one to four-family mortgage loans. Its services include mobile banking, online banking, personal checking, business checking, savings accounts, CD's, and telephone banking.
58GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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