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.
What is Oak Ridge Financial Services FCF Margin %?
Oak Ridge Financial ServicesBKOR 61 FCF Margin % is 22.84% as of Dec. 2025, which is 5% above its 10-year median of 21.75. 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 1,502 Banks companies, Oak Ridge Financial Services ranks worse than 54.73% on this metric.
* 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 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.
Oak Ridge Financial Services FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Oak Ridge Financial Services's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Oak Ridge Financial Services'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.
Oak Ridge Financial Services (BKOR) has a FCF Margin % of 22.84% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Oak Ridge Financial Services and its competitors. This is near median its historical median of 21.75. Over the past decade, Oak Ridge Financial Services' FCF Margin % has ranged from 16.53 to 38.65. According to the industry distribution chart, Oak Ridge Financial Services ranks #822 out of 1502 companies in the Banks industry, placing it in the top 54.7%.
Is Oak Ridge Financial Services' FCF Margin % too high?
Oak Ridge Financial Services' current FCF Margin % of 22.84% is near median its 10-year median of 21.75. Over the past 10 years, this metric has ranged from a low of 16.53 to a high of 38.65. The Banks industry median FCF Margin % is 25.82. Oak Ridge Financial Services' value of 22.84% is 11.5% below this industry median. Based on the distribution chart, Oak Ridge Financial Services ranks #822 out of 1502 companies in the Banks industry, which is below the industry midpoint. 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' FCF Margin % compare to SLRK and MCBK?
According to the Banks industry distribution chart, Oak Ridge Financial Services ranks #822 out of 1502 companies for FCF Margin %. This places Oak Ridge Financial Services in the lower half of its industry. The industry median FCF Margin % is 25.82. Oak Ridge Financial Services' value of 22.84% is 11.5% below this benchmark. Historically, Oak Ridge Financial Services' own FCF Margin % has ranged from 16.53 to 38.65 over the past decade. While the company's 10-year median is 21.75 vs. the industry median of 25.82, Oak Ridge Financial Services 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 25.82, based on 1,502 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. Oak Ridge Financial Services's current FCF Margin % of 22.84% is 11.5% 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 Oak Ridge Financial Services and its competitors. For the Banks industry, the median FCF Margin % is 25.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oak Ridge Financial Services's current FCF Margin % is 22.84%, which is near median its own 10-year median of 21.75. 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 FCF Margin % is 22.84%, which is near median its 10-year median of 21.75 and 11.5% below the Banks industry median of 25.82. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Oak Ridge Financial Services (BKOR), the current FCF Margin % is 22.84% 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 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:
FCF Margin %: 22.84% (near median its 10-year median of 21.75)
GF Value™: $22.48 vs. price of $31.50 (40.1% above fair value)
Industry Position: 11.5% below the Banks median (#822 of 1502)
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
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BKOR has been successfully added to your 
