CCCB BancorpCCYY 47 OCF Margin % is 8.64% as of Dec. 2025, which is 58% below its 10-year median of 20.45. GuruFocus rates CCYY with a GF Score™ of 47/100 and a GF Value™ of $6.90 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,500 Banks companies, CCCB Bancorp ranks worse than 71.6% on this metric.
The historical rank and industry rank for CCCB Bancorp's OCF Margin % or its related term are showing as below:
CCYY'
s OCF Margin % Range Over the Past 10 Years
Min: 2.03 Med: 20.45 Max: 25.24
Current: 8.64
During the past 7 years, the highest OCF Margin % of CCCB Bancorp was 25.24%. The lowest was 2.03%. And the median was 20.45%.
CCYY's OCF Margin % is ranked worse than 71.6% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs CCYY: 8.64
CCCB Bancorp OCF Margin % Related Terms
CCCB Bancorp OCF Margin % Historical Data
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The historical data trend for CCCB 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, CCCB 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.
CCCB Bancorp OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CCCB Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where CCCB 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.
CCCB Bancorp (CCYY) has a OCF Margin % of 8.64% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on CCCB Bancorp and its competitors. This is 58% below median its historical median of 20.45. Over the past decade, CCCB Bancorp's OCF Margin % has ranged from 2.03 to 25.24. According to the industry distribution chart, CCCB Bancorp ranks #1074 out of 1500 companies in the Banks industry, placing it in the top 71.6%.
Is CCCB Bancorp's OCF Margin % too high?
CCCB Bancorp's current OCF Margin % of 8.64% is 58% below median its 10-year median of 20.45. Over the past 10 years, this metric has ranged from a low of 2.03 to a high of 25.24. The Banks industry median OCF Margin % is 29.44. CCCB Bancorp's value of 8.64% is 70.7% below this industry median. Based on the distribution chart, CCCB Bancorp ranks #1074 out of 1500 companies in the Banks industry, which is below the industry midpoint. Overall, CCCB Bancorp has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CCCB Bancorp's OCF Margin % compare to TCNB and TDCB?
According to the Banks industry distribution chart, CCCB Bancorp ranks #1074 out of 1500 companies for OCF Margin %. This places CCCB Bancorp in the lower half of its industry. The industry median OCF Margin % is 29.44. CCCB Bancorp's value of 8.64% is 70.7% below this benchmark. Historically, CCCB Bancorp's own OCF Margin % has ranged from 2.03 to 25.24 over the past decade. While the company's 10-year median is 20.45 vs. the industry median of 29.44, CCCB Bancorp 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 29.44, based on 1,500 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. CCCB Bancorp's current OCF Margin % of 8.64% is 70.7% 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 CCCB Bancorp 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. CCCB Bancorp's current OCF Margin % is 8.64%, which is 58% below median its own 10-year median of 20.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CCCB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, CCCB Bancorp (CCYY) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.90, compared to a current price of $9.95 — trading 44.2% above its estimated fair value. The current OCF Margin % is 8.64%, which is 58% below median its 10-year median of 20.45 and 70.7% below the Banks industry median of 29.44. CCCB Bancorp's overall GF Score™ is 47/100 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 CCCB Bancorp (CCYY), the current OCF Margin % is 8.64% 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 CCCB Bancorp (CCYY) Overvalued in 2026?
Based on GuruFocus' analysis, CCCB Bancorp stock appears to be overvalued.
The current stock price of $9.95 is trading 44.2% above its estimated GF Value™ of $6.90.
GuruFocus considers CCCB Bancorp to be Significantly Overvalued.
Key valuation signals for CCYY:
OCF Margin %: 8.64% (58% below median its 10-year median of 20.45)
GF Value™: $6.90 vs. price of $9.95 (44.2% above fair value)
Industry Position: 70.7% below the Banks median (#1074 of 1500)
No single metric tells the full story. See the CCYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CCCB Bancorp Inc is a banking company that provides financial services through its offices in Clarion County, Venango County, and Erie County. Its services include personal banking, business banking, and e-banking. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial real estate, commercial, and consumer loans.
47GF Score
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