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BEO Bancorp ORBEOB 72 FCF Margin % is 27.34% as of Dec. 2025, which is 6% above its 10-year median of 25.91. GuruFocus rates BEOB with a GF Score™ of 72/100 and a GF Value™ of $48.11 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,523 Banks companies, BEO Bancorp OR ranks worse than 53.18% on this metric.
The historical data trend for BEO Bancorp OR's FCF Margin % 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, BEO Bancorp OR's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.
BEO Bancorp OR FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BEO Bancorp OR's FCF Margin % distribution charts can be found below:
* The bar in red indicates where BEO Bancorp OR's FCF Margin % falls into.
* 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.
BEO Bancorp OR (BEOB) has a FCF Margin % of 27.34% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on BEO Bancorp OR and its competitors. This is near median its historical median of 25.91. Over the past decade, BEO Bancorp OR's FCF Margin % has ranged from 16.77 to 36.42. According to the industry distribution chart, BEO Bancorp OR ranks #810 out of 1523 companies in the Banks industry, placing it in the top 53.2%.
Is BEO Bancorp OR's FCF Margin % too high?
BEO Bancorp OR's current FCF Margin % of 27.34% is near median its 10-year median of 25.91. Over the past 10 years, this metric has ranged from a low of 16.77 to a high of 36.42. The Banks industry median FCF Margin % is 28.92. BEO Bancorp OR's value of 27.34% is 5.5% below this industry median. Based on the distribution chart, BEO Bancorp OR ranks #810 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, BEO Bancorp OR has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BEO Bancorp OR's FCF Margin % compare to ENBP and NODB?
According to the Banks industry distribution chart, BEO Bancorp OR ranks #810 out of 1523 companies for FCF Margin %. This places BEO Bancorp OR in the lower half of its industry. The industry median FCF Margin % is 28.92. BEO Bancorp OR's value of 27.34% is 5.5% below this benchmark. Historically, BEO Bancorp OR's own FCF Margin % has ranged from 16.77 to 36.42 over the past decade. While the company's 10-year median is 25.91 vs. the industry median of 28.92, BEO Bancorp OR 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 28.92, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BEO Bancorp OR's current FCF Margin % of 27.34% is 5.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on BEO Bancorp OR and its competitors. For the Banks industry, the median FCF Margin % is 28.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BEO Bancorp OR's current FCF Margin % is 27.34%, which is near median its own 10-year median of 25.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BEO Bancorp OR stock overvalued right now?
Based on GuruFocus' analysis, BEO Bancorp OR (BEOB) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.11, compared to a current price of $64.49 — trading 34% above its estimated fair value. The current FCF Margin % is 27.34%, which is near median its 10-year median of 25.91 and 5.5% below the Banks industry median of 28.92. BEO Bancorp OR's overall GF Score™ is 72/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For BEO Bancorp OR (BEOB), the current FCF Margin % is 27.34% as of Dec. 2025. 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 BEO Bancorp OR (BEOB) Overvalued in 2026?
Based on GuruFocus' analysis, BEO Bancorp OR stock appears to be overvalued.
The current stock price of $64.49 is trading 34% above its estimated GF Value™ of $48.11.
GuruFocus considers BEO Bancorp OR to be Significantly Overvalued.
Key valuation signals for BEOB:
FCF Margin %: 27.34% (near median its 10-year median of 25.91)
GF Value™: $48.11 vs. price of $64.49 (34% above fair value)
Industry Position: 5.5% below the Banks median (#810 of 1523)
No single metric tells the full story. See the BEOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BEO Bancorp OR provides commercial and consumer financing, banking, and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. Its activities include the usual lending and deposit functions of a commercial bank: commercial, agricultural, real estate, installment, credit card, and mortgage loans; checking, money market, time deposit, and savings accounts; internet banking and bill payment; automated teller machines and safe deposit facilities. Additionally, the Bank originates and sells mortgage loans into the secondary market.
72GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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