Omavings Bank (FRA:OM0) OCF Margin %: -44.27% (As of Mar. 2026)


FRA:OM0 Oma Savings Bank PLC FRA:OM0
78 GF Score
Price €11.48
GF Value €10.71
! 3 Warning Signs
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What is Omavings Bank OCF Margin %?

Omavings Bank FRA:OM0 +1.06% 78 OCF Margin % is -44.27% as of Mar. 2026. GuruFocus rates FRA:OM0 with a GF Score™ of 78/100 and a GF Value™ of €10.71. The stock has 3 warning signs investors should review. Among 1,505 Banks companies, Omavings Bank ranks better than 92.56% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Omavings Bank's Cash Flow from Operations for the three months ended in Mar. 2026 was €-22.4 Mil. Omavings Bank's Revenue for the three months ended in Mar. 2026 was €50.7 Mil. Therefore, Omavings Bank's OCF Margin % for the quarter that ended in Mar. 2026 was -44.27%.

As of today, Omavings Bank's current OCF Yield % is 101.88%.

The historical rank and industry rank for Omavings Bank's OCF Margin % or its related term are showing as below:

FRA:OM0' s OCF Margin % Range Over the Past 10 Years
Min: -350.63   Med: -117.01   Max: 375.92
Current: 184.72

During the past 11 years, the highest OCF Margin % of Omavings Bank was 375.92%. The lowest was -350.63%. And the median was -117.01%.

FRA:OM0's OCF Margin % is ranked better than
92.56% of 1505 companies
in the Banks industry
Industry Median: 29.44 vs FRA:OM0: 184.72

Omavings Bank OCF Margin % Related Terms

Omavings Bank OCF Margin % Historical Data

* Premium members only.

The historical data trend for Omavings Bank'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.

Omavings Bank OCF Margin % Chart

Omavings Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -317.61 -86.67 -233.78 73.03 180.37

Omavings Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -24.23 529.02 122.19 72.01 -44.27

FRA:OM0 vs PNC, USB: OCF Margin % Comparison

For the Banks - Regional subindustry, Omavings Bank'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.

Omavings Bank OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Omavings Bank's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Omavings Bank's OCF Margin % falls into.


FRA:OM0
78GF Score
Oma Savings Bank PLC FRA:OM0
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Omavings Bank OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Omavings Bank's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=399.82/221.664
=180.37 %

Omavings Bank's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-22.428/50.663
=-44.27 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of -44.27% mean?
Omavings Bank (FRA:OM0) has a OCF Margin % of -44.27% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Omavings Bank and its competitors. According to the industry distribution chart, Omavings Bank ranks #112 out of 1505 companies in the Banks industry, placing it in the top 7.4%.
Is Omavings Bank's OCF Margin % too high?
Omavings Bank's current OCF Margin % is -44.27%. Based on the distribution chart, Omavings Bank ranks #112 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Omavings Bank has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Omavings Bank's OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Omavings Bank ranks #112 out of 1505 companies for OCF Margin %. This places Omavings Bank in the top 7% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.44. 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 1,505 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. 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 Omavings Bank 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. Omavings Bank's current OCF Margin % is -44.27%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Omavings Bank stock overvalued right now?
Omavings Bank (FRA:OM0) has a current OCF Margin % of -44.27%. The stock's GF Value™ is €10.71, compared to a current price of €11.48 — trading 7.2% above its estimated fair value. The current OCF Margin % is -44.27%. Omavings Bank's overall GF Score™ is 78/100 with 3 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 Omavings Bank (FRA:OM0), the current OCF Margin % is -44.27% as of Mar. 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 Omavings Bank (FRA:OM0) Overvalued in 2026?

Based on GuruFocus' analysis, Omavings Bank stock appears to be overvalued. The current stock price of €11.48 is trading 7.2% above its estimated GF Value™ of €10.71.

Key valuation signals for FRA:OM0:

  • OCF Margin %: -44.27%
  • GF Value™: €10.71 vs. price of €11.48 (7.2% above fair value)
  • GF Score™: 78/100 with 3 warning signs

No single metric tells the full story. See the FRA:OM0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Omavings Bank Business Description

Other Exchanges OMASP:Finland
Address Valtakatu 32, Lappeenranta, FIN, 53100
Oma Savings Bank PLC is a Finnish savings bank. The Company is engaged in retail banking and mortgage banking. The company focuses predominantly on retail banking operations and provides its clients with a broad range of banking services. The products offered by the company include credit, investment, online banking, and loan insurance, among others.
78GF Score

Get the complete analysis for FRA:OM0

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€11.48
Price
€10.71
GF Value