BKOR (Oak Ridge Financial Services) EV-to-FCF: (As of Sep. 12, 2026)

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Director of Data and Quant Analytics at GuruFocus
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BKOR Oak Ridge Financial Services Inc BKOR
58 GF Score
Price $32.00
GF Value $22.63
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Oak Ridge Financial Services EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Oak Ridge Financial Services's Enterprise Value is $147.63 Mil. Oak Ridge Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil. Therefore, Oak Ridge Financial Services's EV-to-FCF for today is .

The historical rank and industry rank for Oak Ridge Financial Services's EV-to-FCF or its related term are showing as below:

BKOR' s EV-to-FCF Range Over the Past 10 Years
Min: -2.24   Med: 10.64   Max: 22.48
Current: 21.09

During the past 13 years, the highest EV-to-FCF of Oak Ridge Financial Services was 22.48. The lowest was -2.24. And the median was 10.64.

BKOR's EV-to-FCF is ranked worse than
77.59% of 1187 companies
in the Banks industry
Industry Median: 7.14 vs BKOR: 21.09

EV-to-FCF 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 (2026-09-12), Oak Ridge Financial Services's stock price is $32.00. Oak Ridge Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.320. Therefore, Oak Ridge Financial Services's PE Ratio (TTM) for today is 24.24.


Oak Ridge Financial Services  (OTCPK:BKOR) EV-to-FCF Explanation

EV-to-FCF 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.

Oak Ridge Financial Services's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=32.00/1.320
=24.24

Oak Ridge Financial Services's share price for today is $32.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Oak Ridge Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.320.

* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Oak Ridge Financial Services EV-to-FCF Related Terms


Oak Ridge Financial Services EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Oak Ridge Financial Services's EV-to-FCF 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.

Oak Ridge Financial Services EV-to-FCF Chart

Oak Ridge Financial Services Annual Data
Trend Dec10 Dec11 Dec12 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -2.23 5.24 8.90 17.82 15.24

Oak Ridge Financial Services Semi-Annual Data
Dec08 Jun09 Dec09 Jun10 Dec10 Jun11 Dec11 Jun12 Dec12 Jun13 Dec19 Jun20 Dec20 Jun21 Dec21 Dec22 Dec23 Dec24 Dec25 Jun26
EV-to-FCF 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 5.24 8.90 17.82 15.24 0.00

BKOR vs SSBI, MCBK, ORPB: EV-to-FCF Comparison

For the Banks - Regional subindustry, Oak Ridge Financial Services's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.


Oak Ridge Financial Services EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Oak Ridge Financial Services's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Oak Ridge Financial Services's EV-to-FCF falls into.


BKOR
58GF Score
Oak Ridge Financial Services Inc BKOR
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Oak Ridge Financial Services EV-to-FCF Calculation

Oak Ridge Financial Services's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=147.625/0
=

Oak Ridge Financial Services's current Enterprise Value is $147.63 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Oak Ridge Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 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 Oak Ridge Financial Services (BKOR) Overvalued in 2026?

Based on GuruFocus' analysis, Oak Ridge Financial Services stock appears to be overvalued. The current stock price of $32.00 is trading 41.4% above its estimated GF Value™ of $22.63. GuruFocus considers Oak Ridge Financial Services to be Significantly Overvalued.

Key valuation signals for BKOR:

  • EV-to-FCF:
  • GF Value™: $22.63 vs. price of $32.00 (41.4% above fair value)
  • GF Score™: 58/100 with 4 warning signs

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


Oak Ridge Financial Services Business Description

Address 8050 Fogleman Road, Oak Ridge, NC, USA, 27310
Oak Ridge Financial Services Inc is a bank holding company. Along with its banking subsidiary, it offers financial services such as accepting a full range of deposit products and originating commercial and consumer loans, providing online banking services, etc., through its branch network located in Guilford County, North Carolina.
58GF Score

Get the complete analysis for BKOR

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

$32.00
Price
$22.63
GF Value