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Keweenaw FinancialKEFI 40 OCF Margin % is 20.94% as of Dec. 2025, which is 40% below its 10-year median of 34.97. GuruFocus rates KEFI with a GF Score™ of 40/100 and a GF Value™ of $95.45 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,492 Banks companies, Keweenaw Financial ranks worse than 62.67% on this metric.
The historical data trend for Keweenaw 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.
Keweenaw Financial OCF Margin % Chart
Keweenaw Financial Annual Data
Trend
Dec21
Dec22
Dec23
Dec24
Dec25
OCF Margin %
54.13
34.97
35.85
16.78
20.94
Keweenaw Financial Semi-Annual Data
Dec21
Dec22
Dec23
Dec24
Dec25
OCF Margin %
54.13
34.97
35.85
16.78
20.94
KEFI vs OSBK, FFWC, NEFB: OCF Margin % Comparison
For the Banks - Regional subindustry, Keweenaw 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.
Keweenaw Financial OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Keweenaw Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Keweenaw 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.
Keweenaw Financial (KEFI) has a OCF Margin % of 20.94% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Keweenaw Financial and its competitors. This is 40% below median its historical median of 34.97. Over the past decade, Keweenaw Financial's OCF Margin % has ranged from 16.78 to 54.13. According to the industry distribution chart, Keweenaw Financial ranks #935 out of 1492 companies in the Banks industry, placing it in the top 62.7%.
Is Keweenaw Financial's OCF Margin % too high?
Keweenaw Financial's current OCF Margin % of 20.94% is 40% below median its 10-year median of 34.97. Over the past 10 years, this metric has ranged from a low of 16.78 to a high of 54.13. The Banks industry median OCF Margin % is 30.47. Keweenaw Financial's value of 20.94% is 31.3% below this industry median. Based on the distribution chart, Keweenaw Financial ranks #935 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, Keweenaw Financial has a GF Score™ of 40/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Keweenaw Financial's OCF Margin % compare to OSBK and FFWC?
According to the Banks industry distribution chart, Keweenaw Financial ranks #935 out of 1492 companies for OCF Margin %. This places Keweenaw Financial in the lower half of its industry. The industry median OCF Margin % is 30.47. Keweenaw Financial's value of 20.94% is 31.3% below this benchmark. Historically, Keweenaw Financial's own OCF Margin % has ranged from 16.78 to 54.13 over the past decade. While the company's 10-year median is 34.97 vs. the industry median of 30.47, Keweenaw 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 30.47, based on 1,492 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. Keweenaw Financial's current OCF Margin % of 20.94% is 31.3% 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 Keweenaw Financial and its competitors. For the Banks industry, the median OCF Margin % is 30.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Keweenaw Financial's current OCF Margin % is 20.94%, which is 40% below median its own 10-year median of 34.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Keweenaw Financial stock overvalued right now?
Based on GuruFocus' analysis, Keweenaw Financial (KEFI) is currently considered Significantly Undervalued. The stock's GF Value™ is $95.45, compared to a current price of $48.00 — trading 49.7% below its estimated fair value. The current OCF Margin % is 20.94%, which is 40% below median its 10-year median of 34.97 and 31.3% below the Banks industry median of 30.47. Keweenaw Financial's overall GF Score™ is 40/100 with 1 warning sign 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 Keweenaw Financial (KEFI), the current OCF Margin % is 20.94% 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 Keweenaw Financial (KEFI) Overvalued in 2026?
Based on GuruFocus' analysis, Keweenaw Financial stock appears to be undervalued.
The current stock price of $48.00 is trading 49.7% below its estimated GF Value™ of $95.45.
GuruFocus considers Keweenaw Financial to be Significantly Undervalued.
Key valuation signals for KEFI:
OCF Margin %: 20.94% (40% below median its 10-year median of 34.97)
GF Value™: $95.45 vs. price of $48.00 (49.7% below fair value)
Industry Position: 31.3% below the Banks median (#935 of 1492)
No single metric tells the full story. See the KEFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Keweenaw Financial Corp provides a range of financial and trust services to individual and corporate customers. The Bank offers traditional banking products and services, including ATMs, online and telephone banking, and automated bill payment, along with commercial, real estate, and consumer lending. Its offerings also include various loan products, deposit accounts, online and mobile banking, investment management, retirement planning, credit and debit cards, safe deposit boxes, and other related financial services.
40GF 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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