IBW FinancialIBWC +1.05%51 OCF Margin % is 10.53% as of Dec. 2025, which is at its 10-year median of 10.53. GuruFocus rates IBWC with a GF Score™ of 51/100 and a GF Value™ of $29.18 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,501 Banks companies, IBW Financial ranks worse than 69.89% on this metric.
The historical rank and industry rank for IBW Financial's OCF Margin % or its related term are showing as below:
IBWC'
s OCF Margin % Range Over the Past 10 Years
Min: -8.58 Med: 10.53 Max: 23.52
Current: 10.53
During the past 12 years, the highest OCF Margin % of IBW Financial was 23.52%. The lowest was -8.58%. And the median was 10.53%.
IBWC's OCF Margin % is ranked worse than 69.89% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs IBWC: 10.53
IBW Financial OCF Margin % Related Terms
IBW Financial OCF Margin % Historical Data
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The historical data trend for IBW 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, IBW 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.
IBW Financial OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, IBW Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where IBW 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.
IBW Financial (IBWC) has a OCF Margin % of 10.53% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on IBW Financial and its competitors. This is near median its historical median of 10.53. According to the industry distribution chart, IBW Financial ranks #1049 out of 1501 companies in the Banks industry, placing it in the top 69.9%.
Is IBW Financial's OCF Margin % too high?
IBW Financial's current OCF Margin % of 10.53% is near median its 10-year median of 10.53. The Banks industry median OCF Margin % is 29.44. IBW Financial's value of 10.53% is 64.2% below this industry median. Based on the distribution chart, IBW Financial ranks #1049 out of 1501 companies in the Banks industry, which is below the industry midpoint. Overall, IBW Financial has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IBW Financial's OCF Margin % compare to CDAB and CNBZ?
According to the Banks industry distribution chart, IBW Financial ranks #1049 out of 1501 companies for OCF Margin %. This places IBW Financial in the lower half of its industry. The industry median OCF Margin % is 29.44. IBW Financial's value of 10.53% is 64.2% below this benchmark. While the company's 10-year median is 10.53 vs. the industry median of 29.44, IBW 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 29.44, 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. IBW Financial's current OCF Margin % of 10.53% is 64.2% 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 IBW Financial 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. IBW Financial's current OCF Margin % is 10.53%, which is near median its own 10-year median of 10.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBW Financial stock overvalued right now?
Based on GuruFocus' analysis, IBW Financial (IBWC) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.18, compared to a current price of $48.00 — trading 64.5% above its estimated fair value. The current OCF Margin % is 10.53%, which is near median its 10-year median of 10.53 and 64.2% below the Banks industry median of 29.44. IBW Financial's overall GF Score™ is 51/100 with 7 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 IBW Financial (IBWC), the current OCF Margin % is 10.53% 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 IBW Financial (IBWC) Overvalued in 2026?
Based on GuruFocus' analysis, IBW Financial stock appears to be overvalued.
The current stock price of $48.00 is trading 64.5% above its estimated GF Value™ of $29.18.
GuruFocus considers IBW Financial to be Significantly Overvalued.
Key valuation signals for IBWC:
OCF Margin %: 10.53% (near median its 10-year median of 10.53)
GF Value™: $29.18 vs. price of $48.00 (64.5% above fair value)
Industry Position: 64.2% below the Banks median (#1049 of 1501)
No single metric tells the full story. See the IBWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IBW Financial Corp is a bank holding company. Through its banking subsidiary, it is engaged in offering a broad range of banking products, including a full line of business and personal savings and certificates of deposit, and other banking services. It also funds a variety of loan types, including commercial term loans and residential real estate loans, lines of credit, consumer loans, and letters of credit. The company's customers are mainly individuals and small businesses. Geographically, its primary market areas are in the District of Columbia and surrounding areas.
51GF Score
Get the complete analysis for IBWC
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