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Hocking Valley BancsharesHCKG 60 OCF Margin % is 27.32% as of Dec. 2025, which is 7% below its 10-year median of 29.52. GuruFocus rates HCKG with a GF Score™ of 60/100 and a GF Value™ of $28.16 (Modestly Overvalued). Among 1,524 Banks companies, Hocking Valley Bancshares ranks worse than 59.06% on this metric.
* 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, Hocking Valley Bancshares'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.
Hocking Valley Bancshares OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hocking Valley Bancshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Hocking Valley Bancshares'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.
Hocking Valley Bancshares (HCKG) has a OCF Margin % of 27.32% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Hocking Valley Bancshares and its competitors. This is near median its historical median of 29.52. Over the past decade, Hocking Valley Bancshares' OCF Margin % has ranged from 20.65 to 38.49. According to the industry distribution chart, Hocking Valley Bancshares ranks #900 out of 1524 companies in the Banks industry, placing it in the top 59.1%.
Is Hocking Valley Bancshares' OCF Margin % too high?
Hocking Valley Bancshares' current OCF Margin % of 27.32% is near median its 10-year median of 29.52. Over the past 10 years, this metric has ranged from a low of 20.65 to a high of 38.49. The Banks industry median OCF Margin % is 31.97. Hocking Valley Bancshares' value of 27.32% is 14.5% below this industry median. Based on the distribution chart, Hocking Valley Bancshares ranks #900 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, Hocking Valley Bancshares has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hocking Valley Bancshares' OCF Margin % compare to MBBC and LUMB?
According to the Banks industry distribution chart, Hocking Valley Bancshares ranks #900 out of 1524 companies for OCF Margin %. This places Hocking Valley Bancshares in the lower half of its industry. The industry median OCF Margin % is 31.97. Hocking Valley Bancshares' value of 27.32% is 14.5% below this benchmark. Historically, Hocking Valley Bancshares' own OCF Margin % has ranged from 20.65 to 38.49 over the past decade. While the company's 10-year median is 29.52 vs. the industry median of 31.97, Hocking Valley Bancshares 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 31.97, based on 1,524 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. Hocking Valley Bancshares's current OCF Margin % of 27.32% is 14.5% 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 Hocking Valley Bancshares and its competitors. For the Banks industry, the median OCF Margin % is 31.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hocking Valley Bancshares's current OCF Margin % is 27.32%, which is near median its own 10-year median of 29.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hocking Valley Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Hocking Valley Bancshares (HCKG) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.16, compared to a current price of $33.02 — trading 17.3% above its estimated fair value. The current OCF Margin % is 27.32%, which is near median its 10-year median of 29.52 and 14.5% below the Banks industry median of 31.97. Hocking Valley Bancshares' overall GF Score™ is 60/100. 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 Hocking Valley Bancshares (HCKG), the current OCF Margin % is 27.32% 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 Hocking Valley Bancshares (HCKG) Overvalued in 2026?
Based on GuruFocus' analysis, Hocking Valley Bancshares stock appears to be overvalued.
The current stock price of $33.02 is trading 17.3% above its estimated GF Value™ of $28.16.
GuruFocus considers Hocking Valley Bancshares to be Modestly Overvalued.
Key valuation signals for HCKG:
OCF Margin %: 27.32% (near median its 10-year median of 29.52)
GF Value™: $28.16 vs. price of $33.02 (17.3% above fair value)
Industry Position: 14.5% below the Banks median (#900 of 1524)
No single metric tells the full story. See the HCKG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hocking Valley Bancshares is a bank holding company that operates as a community bank that provides personal and commercial banking products and services. It offers personal, business, and digital banking services. Its services include Checking, Savings, Mobile Banking, Debit and Credit Cards, Online Banking, and Others.
60GF Score
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