The historical rank and industry rank for Golden State Bancorp's OCF Margin % or its related term are showing as below:
GSBX'
s OCF Margin % Range Over the Past 10 Years
Min: -24.26 Med: 32.22 Max: 44.01
Current: 32.02
During the past 11 years, the highest OCF Margin % of Golden State Bancorp was 44.01%. The lowest was -24.26%. And the median was 32.22%.
GSBX's OCF Margin % is ranked better than 54.23% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs GSBX: 32.02
Golden State Bancorp OCF Margin % Related Terms
Golden State Bancorp OCF Margin % Historical Data
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The historical data trend for Golden State 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, Golden State 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.
Golden State Bancorp OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Golden State Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Golden State 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.
Golden State Bancorp (GSBX) has a OCF Margin % of 0.00% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Golden State Bancorp and its competitors. According to the industry distribution chart, Golden State Bancorp ranks #687 out of 1501 companies in the Banks industry, placing it in the top 45.8%.
Is Golden State Bancorp's OCF Margin % too high?
Golden State Bancorp's current OCF Margin % is 0.00%. Based on the distribution chart, Golden State Bancorp ranks #687 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, Golden State Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Golden State Bancorp's OCF Margin % compare to TYBT and KTHN?
According to the Banks industry distribution chart, Golden State Bancorp ranks #687 out of 1501 companies for OCF Margin %. This puts Golden State Bancorp in the upper half of its industry. 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 1,501 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. 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 Golden State 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. Golden State Bancorp's current OCF Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Golden State Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Golden State Bancorp (GSBX) is currently considered Modestly Overvalued. The stock's GF Value™ is $31.49, compared to a current price of $38.39 — trading 21.9% above its estimated fair value. The current OCF Margin % is 0.00%. Golden State Bancorp's overall GF Score™ is 63/100 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 Golden State Bancorp (GSBX), the current OCF Margin % is 0.00% 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 Golden State Bancorp (GSBX) Overvalued in 2026?
Based on GuruFocus' analysis, Golden State Bancorp stock appears to be overvalued.
The current stock price of $38.39 is trading 21.9% above its estimated GF Value™ of $31.49.
GuruFocus considers Golden State Bancorp to be Modestly Overvalued.
Key valuation signals for GSBX:
OCF Margin %: 0.00%
GF Value™: $31.49 vs. price of $38.39 (21.9% above fair value)
No single metric tells the full story. See the GSBX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Golden State Bancorp is a bank holding company. Through the Golden State Bank, it functions as a full-service bank, serving the business, commercial, and professional markets. The bank offers various financial products and services such as different types of loans and advances, deposit accounts, cash management services, and international banking services among others.
63GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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