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.
Boyle BancorpBYLB +0.39%61 OCF Margin % is 32.88% as of Dec. 2025, which is 29% above its 10-year median of 25.42. GuruFocus rates BYLB with a GF Score™ of 61/100 and a GF Value™ of $106.04 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,498 Banks companies, Boyle Bancorp ranks better than 57.08% on this metric.
The historical data trend for Boyle Bancorp'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, Boyle Bancorp'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.
Boyle Bancorp OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Boyle Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Boyle Bancorp'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.
Boyle Bancorp (BYLB) has a OCF Margin % of 32.88% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Boyle Bancorp and its competitors. This is 29% above median its historical median of 25.42. Over the past decade, Boyle Bancorp's OCF Margin % has ranged from 22.58 to 32.88. According to the industry distribution chart, Boyle Bancorp ranks #643 out of 1498 companies in the Banks industry, placing it in the top 42.9%.
Is Boyle Bancorp's OCF Margin % too high?
Boyle Bancorp's current OCF Margin % of 32.88% is 29% above median its 10-year median of 25.42. Over the past 10 years, this metric has ranged from a low of 22.58 to a high of 32.88. The Banks industry median OCF Margin % is 29.16. Boyle Bancorp's value of 32.88% is 12.8% above this industry median. Based on the distribution chart, Boyle Bancorp ranks #643 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, Boyle Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Boyle Bancorp's OCF Margin % compare to NMBF and OXBC?
According to the Banks industry distribution chart, Boyle Bancorp ranks #643 out of 1498 companies for OCF Margin %. This puts Boyle Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.16. Boyle Bancorp's value of 32.88% is 12.8% above this benchmark. Historically, Boyle Bancorp's own OCF Margin % has ranged from 22.58 to 32.88 over the past decade. While the company's 10-year median is 25.42 vs. the industry median of 29.16, Boyle Bancorp 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.16, based on 1,498 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. Boyle Bancorp's current OCF Margin % of 32.88% is 12.8% 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 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 Boyle Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Boyle Bancorp's current OCF Margin % is 32.88%, which is 29% above median its own 10-year median of 25.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Boyle Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Boyle Bancorp (BYLB) is currently considered Modestly Overvalued. The stock's GF Value™ is $106.04, compared to a current price of $127.50 — trading 20.2% above its estimated fair value. The current OCF Margin % is 32.88%, which is 29% above median its 10-year median of 25.42 and 12.8% above the Banks industry median of 29.16. Boyle Bancorp's 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Boyle Bancorp (BYLB), the current OCF Margin % is 32.88% 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 Boyle Bancorp (BYLB) Overvalued in 2026?
Based on GuruFocus' analysis, Boyle Bancorp stock appears to be overvalued.
The current stock price of $127.50 is trading 20.2% above its estimated GF Value™ of $106.04.
GuruFocus considers Boyle Bancorp to be Modestly Overvalued.
Key valuation signals for BYLB:
OCF Margin %: 32.88% (29% above median its 10-year median of 25.42)
GF Value™: $106.04 vs. price of $127.50 (20.2% above fair value)
Industry Position: 12.8% above the Banks median (#643 of 1498)
No single metric tells the full story. See the BYLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Boyle Bancorp Inc operates as a bank holding company whose principal activity is the ownership and management of its wholly owned subsidiary, Farmers National Bank, Danville (Bank) and wholly owned subsidiary BYLB Investments. The Bank provides a full range of banking and financial services to individual and corporate customers in central Kentucky. The Company grants agribusiness, commercial and residential loans to customers throughout Kentucky.
61GF Score
Get the complete analysis for BYLB
OCF 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
BYLB has been successfully added to your 
