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, NLB Banka ad's Enterprise Value is BAM-120.4 Mil.
NLB Banka ad's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was BAM91.7 Mil. Therefore, NLB Banka ad's EV-to-OCF for today is -1.31.
The historical rank and industry rank for NLB Banka ad's EV-to-OCF or its related term are showing as below:
XBLB:VBBB-R-A'
s EV-to-OCF Range Over the Past 10 Years
Min: -35810.66 Med: 2198.26 Max: 67070.2
Current: -1.31
During the past 13 years, the highest EV-to-OCF of NLB Banka ad was 67070.20. The lowest was -35810.66. And the median was 2198.26.
XBLB:VBBB-R-A's EV-to-OCF is not ranked
in the Banks industry.
Industry Median: 3.89
vs XBLB:VBBB-R-A: -1.31
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.
NLB Banka ad (XBLB:VBBB-R-A) 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.
NLB Banka ad's PE Ratio (TTM) for today is calculated as:
NLB Banka ad's share price for today is BAM6000.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NLB Banka ad's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was BAM0.920.
* 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.
NLB Banka ad EV-to-OCF Related Terms
NLB Banka ad EV-to-OCF Historical Data
* Premium members only.
The historical data trend for NLB Banka ad'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, NLB Banka ad'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.
NLB Banka ad EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, NLB Banka ad's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where NLB Banka ad's EV-to-OCF falls into.
NLB Banka ad's current Enterprise Value is BAM-120.4 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NLB Banka ad's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was BAM91.7 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.
NLB Banka ad (XBLB:VBBB-R-A) has a EV-to-OCF of -1.31 as of Aug. 30, 2026.
Is NLB Banka ad's EV-to-OCF too high?
NLB Banka ad's current EV-to-OCF is -1.31.
How does NLB Banka ad's EV-to-OCF compare to competitors?
NLB Banka ad's EV-to-OCF of -1.31 can be compared against companies in the Banks industry. The industry median EV-to-OCF is 3.89. 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 3.89, 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. 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 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NLB Banka ad's current EV-to-OCF is -1.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLB Banka ad stock overvalued right now?
NLB Banka ad (XBLB:VBBB-R-A) has a current EV-to-OCF of -1.31. The stock's GF Value™ is BAM2,109.54, compared to a current price of BAM6,000.00 — trading 184.4% above its estimated fair value. The current EV-to-OCF is -1.31. 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 NLB Banka ad (XBLB:VBBB-R-A), the current EV-to-OCF is -1.31 as of Aug. 30, 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.
NLB Banka ad is a banking service provider that operates in Bosnia and Herzegovina. The company is engaged in offering services like retail banking which include retail banking business with private individuals, corporate banking, and financial markets.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XBLB:VBBB-R-A has been successfully added to your 
