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BEO Bancorp ORBEOB 72 OCF Margin % is 28.69% as of Dec. 2025, which is 1% above its 10-year median of 28.31. 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 56.4% on this metric.
The historical data trend for BEO Bancorp OR'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.
For the Banks - Regional subindustry, BEO Bancorp OR'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.
BEO Bancorp OR OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BEO Bancorp OR's OCF Margin % distribution charts can be found below:
* The bar in red indicates where BEO Bancorp OR's OCF 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 OCF Margin % of 28.69% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on BEO Bancorp OR and its competitors. This is near median its historical median of 28.31. Over the past decade, BEO Bancorp OR's OCF Margin % has ranged from 24.62 to 41.96. According to the industry distribution chart, BEO Bancorp OR ranks #859 out of 1523 companies in the Banks industry, placing it in the top 56.4%.
Is BEO Bancorp OR's OCF Margin % too high?
BEO Bancorp OR's current OCF Margin % of 28.69% is near median its 10-year median of 28.31. Over the past 10 years, this metric has ranged from a low of 24.62 to a high of 41.96. The Banks industry median OCF Margin % is 31.92. BEO Bancorp OR's value of 28.69% is 10.1% below this industry median. Based on the distribution chart, BEO Bancorp OR ranks #859 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 OCF Margin % compare to ENBP and NODB?
According to the Banks industry distribution chart, BEO Bancorp OR ranks #859 out of 1523 companies for OCF Margin %. This places BEO Bancorp OR in the lower half of its industry. The industry median OCF Margin % is 31.92. BEO Bancorp OR's value of 28.69% is 10.1% below this benchmark. Historically, BEO Bancorp OR's own OCF Margin % has ranged from 24.62 to 41.96 over the past decade. While the company's 10-year median is 28.31 vs. the industry median of 31.92, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 31.92, based on 1,523 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. BEO Bancorp OR's current OCF Margin % of 28.69% is 10.1% 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 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 BEO Bancorp OR and its competitors. For the Banks industry, the median OCF Margin % is 31.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BEO Bancorp OR's current OCF Margin % is 28.69%, which is near median its own 10-year median of 28.31. 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 OCF Margin % is 28.69%, which is near median its 10-year median of 28.31 and 10.1% below the Banks industry median of 31.92. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For BEO Bancorp OR (BEOB), the current OCF Margin % is 28.69% 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:
OCF Margin %: 28.69% (near median its 10-year median of 28.31)
GF Value™: $48.11 vs. price of $64.49 (34% above fair value)
Industry Position: 10.1% below the Banks median (#859 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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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