The Housing Bank for Trade & Finance (AMM:THBK) OCF Margin %: -211.10% (As of Mar. 2026)


AMM:THBK The Housing Bank for Trade & Finance AMM:THBK
76 GF Score
Price JOD4.86
GF Value JOD3.89
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is The Housing Bank for Trade & Finance OCF Margin %?

The Housing Bank for Trade & Finance AMM:THBK -0.21% 76 OCF Margin % is -211.10% as of Mar. 2026. GuruFocus rates AMM:THBK with a GF Score™ of 76/100 and a GF Value™ of JOD3.89 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, The Housing Bank for Trade & Finance ranks worse than 70.37% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. The Housing Bank for Trade & Finance's Cash Flow from Operations for the three months ended in Mar. 2026 was JOD-249.9 Mil. The Housing Bank for Trade & Finance's Revenue for the three months ended in Mar. 2026 was JOD118.4 Mil. Therefore, The Housing Bank for Trade & Finance's OCF Margin % for the quarter that ended in Mar. 2026 was -211.10%.

As of today, The Housing Bank for Trade & Finance's current OCF Yield % is 2.87%.

The historical rank and industry rank for The Housing Bank for Trade & Finance's OCF Margin % or its related term are showing as below:

AMM:THBK' s OCF Margin % Range Over the Past 10 Years
Min: -130.16   Med: 26.01   Max: 81.49
Current: 9.83


During the past 13 years, the highest OCF Margin % of The Housing Bank for Trade & Finance was 81.49%. The lowest was -130.16%. And the median was 26.01%.

AMM:THBK's OCF Margin % is ranked worse than
70.37% of 1505 companies
in the Banks industry
Industry Median: 29.44 vs AMM:THBK: 9.83


The Housing Bank for Trade & Finance OCF Margin % Related Terms


The Housing Bank for Trade & Finance OCF Margin % Historical Data

* Premium members only.

The historical data trend for The Housing Bank for Trade & Finance's OCF 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.

The Housing Bank for Trade & Finance OCF Margin % Chart

The Housing Bank for Trade & Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 22.33 -15.37 81.49 74.79 29.69

The Housing Bank for Trade & Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % 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 -140.02 145.58 123.05 -5.43 -211.10

The Housing Bank for Trade & Finance OCF Margin % Competitor Comparison

For the Banks - Regional subindustry, The Housing Bank for Trade & Finance's OCF Margin %, along with its competitors' market caps and OCF 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.


The Housing Bank for Trade & Finance OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, The Housing Bank for Trade & Finance's OCF Margin % distribution charts can be found below:

* The bar in red indicates where The Housing Bank for Trade & Finance's OCF Margin % falls into.


AMM:THBK
76GF Score
The Housing Bank for Trade & Finance AMM:THBK
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

The Housing Bank for Trade & Finance OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

The Housing Bank for Trade & Finance's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=133.694/450.324
=29.69 %

The Housing Bank for Trade & Finance's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-249.878/118.367
=-211.10 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of -211.10% mean?
The Housing Bank for Trade & Finance (AMM:THBK) has a OCF Margin % of -211.10% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on The Housing Bank for Trade & Finance and its competitors. According to the industry distribution chart, The Housing Bank for Trade & Finance ranks #1059 out of 1505 companies in the Banks industry, placing it in the top 70.4%.
Is The Housing Bank for Trade & Finance's OCF Margin % too high?
The Housing Bank for Trade & Finance's current OCF Margin % is -211.10%. Based on the distribution chart, The Housing Bank for Trade & Finance ranks #1059 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, The Housing Bank for Trade & Finance has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Housing Bank for Trade & Finance's OCF Margin % compare to competitors?
According to the Banks industry distribution chart, The Housing Bank for Trade & Finance ranks #1059 out of 1505 companies for OCF Margin %. This places The Housing Bank for Trade & Finance in the lower half of its industry. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on The Housing Bank for Trade & Finance and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Housing Bank for Trade & Finance's current OCF Margin % is -211.10%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Housing Bank for Trade & Finance stock overvalued right now?
Based on GuruFocus' analysis, The Housing Bank for Trade & Finance (AMM:THBK) is currently considered Modestly Overvalued. The stock's GF Value™ is JOD3.89, compared to a current price of JOD4.86 — trading 24.9% above its estimated fair value. The current OCF Margin % is -211.10%. The Housing Bank for Trade & Finance's overall GF Score™ is 76/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For The Housing Bank for Trade & Finance (AMM:THBK), the current OCF Margin % is -211.10% as of Mar. 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 The Housing Bank for Trade & Finance (AMM:THBK) Overvalued in 2026?

Based on GuruFocus' analysis, The Housing Bank for Trade & Finance stock appears to be overvalued. The current stock price of JOD4.86 is trading 24.9% above its estimated GF Value™ of JOD3.89. GuruFocus considers The Housing Bank for Trade & Finance to be Modestly Overvalued.

Key valuation signals for AMM:THBK:

  • OCF Margin %: -211.10%
  • GF Value™: JOD3.89 vs. price of JOD4.86 (24.9% above fair value)
  • GF Score™: 76/100 with 7 warning signs

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


The Housing Bank for Trade & Finance Business Description

Address Prince Shaker Bin Zaid Street, Al-Shumaysani, PO Box 7693, Amman, JOR, 11118
The Housing Bank for Trade & Finance is a commercial banking setup based in Jordan. Its operating segments include Retail Banking, Corporate, Corporate Finance, Treasury, and Others. The Retail Banking segment, which generates maximum revenue, includes accepting deposits from individual customers and small businesses and granting loans, credit cards, and other services. Its Corporate segment includes following up on deposits, credit facilities, and other banking services for institutional and corporate clients; the Corporate Finance segment relates to arranging structured finance and providing services relating to privatizations, IPOs, mergers, and acquisitions; and the Treasury segment provides trading and treasury services and management of the bank's funds in money and capital markets.
76GF Score

Get the complete analysis for AMM:THBK

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JOD4.86
Price
JOD3.89
GF Value