The historical rank and industry rank for Merchants Bancorp's OCF Margin % or its related term are showing as below:
MBIN'
s OCF Margin % Range Over the Past 10 Years
Min: -762.5 Med: -94.48 Max: 221.88
Current: -153.86
During the past 11 years, the highest OCF Margin % of Merchants Bancorp was 221.88%. The lowest was -762.50%. And the median was -94.48%.
MBIN's OCF Margin % is ranked worse than 95.07% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs MBIN: -153.86
Merchants Bancorp OCF Margin % Related Terms
Merchants Bancorp OCF Margin % Historical Data
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The historical data trend for Merchants 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, Merchants 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.
Merchants Bancorp OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Merchants Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Merchants 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.
Merchants Bancorp (MBIN) has a OCF Margin % of -343.17% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Merchants Bancorp and its competitors. According to the industry distribution chart, Merchants Bancorp ranks #1426 out of 1500 companies in the Banks industry, placing it in the top 95.1%.
Is Merchants Bancorp's OCF Margin % too high?
Merchants Bancorp's current OCF Margin % is -343.17%. Based on the distribution chart, Merchants Bancorp ranks #1426 out of 1500 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Merchants Bancorp has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Merchants Bancorp's OCF Margin % compare to BANR and SYBT?
According to the Banks industry distribution chart, Merchants Bancorp ranks #1426 out of 1500 companies for OCF Margin %. This places Merchants Bancorp in the lower 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 1,500 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 Merchants 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. Merchants Bancorp's current OCF Margin % is -343.17%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Merchants Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Merchants Bancorp (MBIN) is currently considered Modestly Overvalued. The stock's GF Value™ is $42.65, compared to a current price of $50.04 — trading 17.3% above its estimated fair value. The current OCF Margin % is -343.17%. Merchants Bancorp's overall GF Score™ is 78/100 with 10 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 Merchants Bancorp (MBIN), the current OCF Margin % is -343.17% 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 Merchants Bancorp (MBIN) Overvalued in 2026?
Based on GuruFocus' analysis, Merchants Bancorp stock appears to be overvalued.
The current stock price of $50.04 is trading 17.3% above its estimated GF Value™ of $42.65.
GuruFocus considers Merchants Bancorp to be Modestly Overvalued.
Key valuation signals for MBIN:
OCF Margin %: -343.17%
GF Value™: $42.65 vs. price of $50.04 (17.3% above fair value)
No single metric tells the full story. See the MBIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Merchants Bancorp is a United States-based bank holding company operating multiple lines of business focused on FHA multi-family housing and healthcare facility financing and servicing, retail and correspondent residential mortgage banking, and traditional community banking. Its segments include Multi-family Mortgage Banking, which originates and services government-sponsored mortgages for multi-family and healthcare facilities; Mortgage Warehousing, which offers mortgage warehouse financing, commercial loans and deposit services; and the Banking segment, which generates maximum revenue and provides portfolio lending for multi-family and healthcare facility loans, residential mortgage banking, agricultural lending, SBA lending and community banking.
78GF Score
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