Coeur D'Alene BancorpCDAB 57 OCF Margin % is 27.78% as of Dec. 2025, which is 11% below its 10-year median of 31.26. GuruFocus rates CDAB with a GF Score™ of 57/100 and a GF Value™ of $16.78 (Fairly Valued). Among 1,501 Banks companies, Coeur D'Alene Bancorp ranks worse than 53.43% on this metric.
The historical rank and industry rank for Coeur D'Alene Bancorp's OCF Margin % or its related term are showing as below:
CDAB'
s OCF Margin % Range Over the Past 10 Years
Min: 24.86 Med: 31.26 Max: 37.37
Current: 27.78
During the past 7 years, the highest OCF Margin % of Coeur D'Alene Bancorp was 37.37%. The lowest was 24.86%. And the median was 31.26%.
CDAB's OCF Margin % is ranked worse than 53.43% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs CDAB: 27.78
Coeur D'Alene Bancorp OCF Margin % Related Terms
Coeur D'Alene Bancorp OCF Margin % Historical Data
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The historical data trend for Coeur D'Alene 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, Coeur D'Alene 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.
Coeur D'Alene Bancorp OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Coeur D'Alene Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Coeur D'Alene 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.
Coeur D'Alene Bancorp (CDAB) has a OCF Margin % of 27.78% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Coeur D'Alene Bancorp and its competitors. This is 11% below median its historical median of 31.26. Over the past decade, Coeur D'Alene Bancorp's OCF Margin % has ranged from 24.86 to 37.37. According to the industry distribution chart, Coeur D'Alene Bancorp ranks #802 out of 1501 companies in the Banks industry, placing it in the top 53.4%.
Is Coeur D'Alene Bancorp's OCF Margin % too high?
Coeur D'Alene Bancorp's current OCF Margin % of 27.78% is 11% below median its 10-year median of 31.26. Over the past 10 years, this metric has ranged from a low of 24.86 to a high of 37.37. The Banks industry median OCF Margin % is 29.44. Coeur D'Alene Bancorp's value of 27.78% is 5.6% below this industry median. Based on the distribution chart, Coeur D'Alene Bancorp ranks #802 out of 1501 companies in the Banks industry, which is below the industry midpoint. Overall, Coeur D'Alene Bancorp has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Coeur D'Alene Bancorp's OCF Margin % compare to IBWC and CNBZ?
According to the Banks industry distribution chart, Coeur D'Alene Bancorp ranks #802 out of 1501 companies for OCF Margin %. This places Coeur D'Alene Bancorp in the lower half of its industry. The industry median OCF Margin % is 29.44. Coeur D'Alene Bancorp's value of 27.78% is 5.6% below this benchmark. Historically, Coeur D'Alene Bancorp's own OCF Margin % has ranged from 24.86 to 37.37 over the past decade. While the company's 10-year median is 31.26 vs. the industry median of 29.44, Coeur D'Alene 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 1,501 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. Coeur D'Alene Bancorp's current OCF Margin % of 27.78% is 5.6% 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 Coeur D'Alene 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. Coeur D'Alene Bancorp's current OCF Margin % is 27.78%, which is 11% below median its own 10-year median of 31.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Coeur D'Alene Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Coeur D'Alene Bancorp (CDAB) is currently considered Fairly Valued. The stock's GF Value™ is $16.78, compared to a current price of $16.00 — trading 4.6% below its estimated fair value. The current OCF Margin % is 27.78%, which is 11% below median its 10-year median of 31.26 and 5.6% below the Banks industry median of 29.44. Coeur D'Alene Bancorp's overall GF Score™ is 57/100. 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 Coeur D'Alene Bancorp (CDAB), the current OCF Margin % is 27.78% 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 Coeur D'Alene Bancorp (CDAB) Overvalued in 2026?
Based on GuruFocus' analysis, Coeur D'Alene Bancorp stock appears to be undervalued.
The current stock price of $16.00 is trading 4.6% below its estimated GF Value™ of $16.78.
GuruFocus considers Coeur D'Alene Bancorp to be Fairly Valued.
Key valuation signals for CDAB:
OCF Margin %: 27.78% (11% below median its 10-year median of 31.26)
GF Value™: $16.78 vs. price of $16.00 (4.6% below fair value)
Industry Position: 5.6% below the Banks median (#802 of 1501)
No single metric tells the full story. See the CDAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Coeur D'Alene Bancorp is a holding company for banks. It provides a full range of banking services to its commercial and consumer customers through its four branches serving Coeur d'Alene, Post Falls, Hayden, Kellogg, Idaho, and contiguous areas. It offers Business loans and Personal loans, home loans including consumer loans and construction loans, and also offers e-banking services including online banking, bill pay, mobile banking, and online education.
57GF Score
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