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Plumas BancorpFRA:OKO 74 OCF Margin % is 40.82% as of Jun. 2026, which is 14% above its 10-year median of 35.73. GuruFocus rates FRA:OKO with a GF Score™ of 74/100 and a GF Value™ of €43.18 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,492 Banks companies, Plumas Bancorp ranks better than 50.6% on this metric.
The historical data trend for Plumas 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.
FRA:OKO vs FMAO, CZNC, NEWT: OCF Margin % Comparison
For the Banks - Regional subindustry, Plumas 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.
Plumas Bancorp OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Plumas Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Plumas 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.
Plumas Bancorp (FRA:OKO) has a OCF Margin % of 40.82% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Plumas Bancorp and its competitors. This is 14% above median its historical median of 35.73. According to the industry distribution chart, Plumas Bancorp ranks #737 out of 1492 companies in the Banks industry, placing it in the top 49.4%.
Is Plumas Bancorp's OCF Margin % too high?
Plumas Bancorp's current OCF Margin % of 40.82% is 14% above median its 10-year median of 35.73. The Banks industry median OCF Margin % is 30.55. Plumas Bancorp's value of 40.82% is 33.6% above this industry median. Based on the distribution chart, Plumas Bancorp ranks #737 out of 1492 companies in the Banks industry, which is above the industry midpoint. Overall, Plumas Bancorp has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Plumas Bancorp's OCF Margin % compare to FMAO and CZNC?
According to the Banks industry distribution chart, Plumas Bancorp ranks #737 out of 1492 companies for OCF Margin %. This puts Plumas Bancorp in the upper half of its industry. The industry median OCF Margin % is 30.55. Plumas Bancorp's value of 40.82% is 33.6% above this benchmark. While the company's 10-year median is 35.73 vs. the industry median of 30.55, Plumas 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 30.55, based on 1,492 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. Plumas Bancorp's current OCF Margin % of 40.82% is 33.6% 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 Plumas Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 30.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Plumas Bancorp's current OCF Margin % is 40.82%, which is 14% above median its own 10-year median of 35.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plumas Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Plumas Bancorp (FRA:OKO) is currently considered Modestly Overvalued. The stock's GF Value™ is €43.18, compared to a current price of €50.50 — trading 17% above its estimated fair value. The current OCF Margin % is 40.82%, which is 14% above median its 10-year median of 35.73 and 33.6% above the Banks industry median of 30.55. Plumas Bancorp's overall GF Score™ is 74/100 with 6 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 Plumas Bancorp (FRA:OKO), the current OCF Margin % is 40.82% as of Jun. 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 Plumas Bancorp (FRA:OKO) Overvalued in 2026?
Based on GuruFocus' analysis, Plumas Bancorp stock appears to be overvalued.
The current stock price of €50.50 is trading 17% above its estimated GF Value™ of €43.18.
GuruFocus considers Plumas Bancorp to be Modestly Overvalued.
Key valuation signals for FRA:OKO:
OCF Margin %: 40.82% (14% above median its 10-year median of 35.73)
GF Value™: €43.18 vs. price of €50.50 (17% above fair value)
Industry Position: 33.6% above the Banks median (#737 of 1492)
No single metric tells the full story. See the FRA:OKO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Plumas Bancorp provides banking products and services in Northeastern California and Northwestern Nevada, offering a range of deposit products for commercial and retail customers, including checking, savings, money market accounts, time deposits, retirement accounts, and sweep accounts for businesses and public entities, along with digital banking services such as mobile and internet banking, remote deposit, and electronic funds transfers, as well as other customary banking services. Its loan portfolio comprises commercial real estate, commercial and industrial, consumer, agricultural, residential real estate, and construction and land development loans, and the company generates its revenue from loans and investment securities, with additional income from service fees.
74GF Score
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