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Oak Ridge Financial ServicesBKOR 61 EV-to-FCF is 15.94 as of Jul. 29, 2026, which is 50% above its 10-year median of 10.63. GuruFocus rates BKOR with a GF Score™ of 61/100 and a GF Value™ of $22.48 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,192 Banks companies, Oak Ridge Financial Services ranks worse than 76.51% on this metric.
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: 10.63 Max: 22.48
Current: 15.94
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 10.63.
BKOR's EV-to-FCF is ranked worse than 76.51% of 1192
companies
in the Banks industry
Industry Median: 6.975
vs BKOR: 15.94
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 (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:
Oak Ridge Financial Services's share price for today is $31.50.
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 $2.920.
* 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. 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
* 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, 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.
Oak Ridge Financial Services's current Enterprise Value is $111.57 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 $7.00 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.
Oak Ridge Financial Services (BKOR) has a EV-to-FCF of 15.94 as of Jul. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Oak Ridge Financial Services and its competitors. This is 50% above median its historical median of 10.63. According to the industry distribution chart, Oak Ridge Financial Services ranks #912 out of 1192 companies in the Banks industry, placing it in the top 76.5%.
Is Oak Ridge Financial Services' EV-to-FCF too high?
Oak Ridge Financial Services' current EV-to-FCF of 15.94 is 50% above median its 10-year median of 10.63. The Banks industry median EV-to-FCF is 6.98. Oak Ridge Financial Services' value of 15.94 is 128.5% above this industry median. Based on the distribution chart, Oak Ridge Financial Services ranks #912 out of 1192 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Oak Ridge Financial Services has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oak Ridge Financial Services' EV-to-FCF compare to SLRK and MCBK?
According to the Banks industry distribution chart, Oak Ridge Financial Services ranks #912 out of 1192 companies for EV-to-FCF. This places Oak Ridge Financial Services in the lower half of its industry. The industry median EV-to-FCF is 6.98. Oak Ridge Financial Services' value of 15.94 is 128.5% above this benchmark. While the company's 10-year median is 10.63 vs. the industry median of 6.98, Oak Ridge Financial Services 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.98, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oak Ridge Financial Services's current EV-to-FCF of 15.94 is 128.5% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Oak Ridge Financial Services and its competitors. For the Banks industry, the median EV-to-FCF is 6.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oak Ridge Financial Services's current EV-to-FCF is 15.94, which is 50% above median its own 10-year median of 10.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oak Ridge Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Oak Ridge Financial Services (BKOR) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.48, compared to a current price of $31.50 — trading 40.1% above its estimated fair value. The current EV-to-FCF is 15.94, which is 50% above median its 10-year median of 10.63 and 128.5% above the Banks industry median of 6.98. Oak Ridge Financial Services' overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Oak Ridge Financial Services (BKOR), the current EV-to-FCF is 15.94 as of Jul. 29, 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 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 $31.50 is trading 40.1% above its estimated GF Value™ of $22.48.
GuruFocus considers Oak Ridge Financial Services to be Significantly Overvalued.
Key valuation signals for BKOR:
EV-to-FCF: 15.94 (50% above median its 10-year median of 10.63)
GF Value™: $22.48 vs. price of $31.50 (40.1% above fair value)
Industry Position: 128.5% above the Banks median (#912 of 1192)
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 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.
61GF 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.
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