Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
HFB FinancialHFBA 54 OCF Margin % is 27.42% as of Dec. 2025, which is 3% above its 10-year median of 26.75. GuruFocus rates HFBA with a GF Score™ of 54/100 and a GF Value™ of $36.39 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,498 Banks companies, HFB Financial ranks worse than 53.27% on this metric.
The historical data trend for HFB Financial'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, HFB Financial'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.
HFB Financial OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, HFB Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where HFB Financial'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.
HFB Financial (HFBA) has a OCF Margin % of 27.42% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on HFB Financial and its competitors. This is near median its historical median of 26.75. Over the past decade, HFB Financial's OCF Margin % has ranged from 18.03 to 263.62. According to the industry distribution chart, HFB Financial ranks #798 out of 1498 companies in the Banks industry, placing it in the top 53.3%.
Is HFB Financial's OCF Margin % too high?
HFB Financial's current OCF Margin % of 27.42% is near median its 10-year median of 26.75. Over the past 10 years, this metric has ranged from a low of 18.03 to a high of 263.62. The Banks industry median OCF Margin % is 29.27. HFB Financial's value of 27.42% is 6.3% below this industry median. Based on the distribution chart, HFB Financial ranks #798 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, HFB Financial has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HFB Financial's OCF Margin % compare to HCBC and TMAK?
According to the Banks industry distribution chart, HFB Financial ranks #798 out of 1498 companies for OCF Margin %. This places HFB Financial in the lower half of its industry. The industry median OCF Margin % is 29.27. HFB Financial's value of 27.42% is 6.3% below this benchmark. Historically, HFB Financial's own OCF Margin % has ranged from 18.03 to 263.62 over the past decade. While the company's 10-year median is 26.75 vs. the industry median of 29.27, HFB Financial 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 29.27, based on 1,498 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. HFB Financial's current OCF Margin % of 27.42% is 6.3% 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 HFB Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HFB Financial's current OCF Margin % is 27.42%, which is near median its own 10-year median of 26.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HFB Financial stock overvalued right now?
Based on GuruFocus' analysis, HFB Financial (HFBA) is currently considered Fairly Valued. The stock's GF Value™ is $36.39, compared to a current price of $38.00 — trading 4.4% above its estimated fair value. The current OCF Margin % is 27.42%, which is near median its 10-year median of 26.75 and 6.3% below the Banks industry median of 29.27. HFB Financial's overall GF Score™ is 54/100 with 5 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 HFB Financial (HFBA), the current OCF Margin % is 27.42% 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 HFB Financial (HFBA) Overvalued in 2026?
Based on GuruFocus' analysis, HFB Financial stock appears to be overvalued.
The current stock price of $38.00 is trading 4.4% above its estimated GF Value™ of $36.39.
GuruFocus considers HFB Financial to be Fairly Valued.
Key valuation signals for HFBA:
OCF Margin %: 27.42% (near median its 10-year median of 26.75)
GF Value™: $36.39 vs. price of $38.00 (4.4% above fair value)
Industry Position: 6.3% below the Banks median (#798 of 1498)
No single metric tells the full story. See the HFBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HFB Financial Corp is a United States-based company providing a full range of banking and financial services to individuals and corporate customers, mainly in Bell County, Kentucky, and surrounding areas in Tennessee and Virginia. It offers checking, savings, money market, certificates of deposit, health savings, and individual retirement accounts, along with overdraft and card services. The Company also provides loans, online banking, investment, and insurance-related services.
54GF Score
Get the complete analysis for HFBA
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HFBA has been successfully added to your 
