MBT BancsharesMBKL +0.37%62 OCF Margin % is 31.99% as of Dec. 2025, which is 36% above its 10-year median of 23.58. GuruFocus rates MBKL with a GF Score™ of 62/100 and a GF Value™ of $24.39 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,501 Banks companies, MBT Bancshares ranks better than 54.03% on this metric.
The historical rank and industry rank for MBT Bancshares's OCF Margin % or its related term are showing as below:
MBKL'
s OCF Margin % Range Over the Past 10 Years
Min: 1.6 Med: 23.58 Max: 53.14
Current: 31.99
During the past 13 years, the highest OCF Margin % of MBT Bancshares was 53.14%. The lowest was 1.60%. And the median was 23.58%.
MBKL's OCF Margin % is ranked better than 54.03% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs MBKL: 31.99
MBT Bancshares OCF Margin % Related Terms
MBT Bancshares OCF Margin % Historical Data
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The historical data trend for MBT Bancshares'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, MBT 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.
MBT Bancshares OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MBT Bancshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where MBT 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.
MBT Bancshares (MBKL) has a OCF Margin % of 31.99% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on MBT Bancshares and its competitors. This is 36% above median its historical median of 23.58. Over the past decade, MBT Bancshares' OCF Margin % has ranged from 1.60 to 53.14. According to the industry distribution chart, MBT Bancshares ranks #690 out of 1501 companies in the Banks industry, placing it in the top 46%.
Is MBT Bancshares' OCF Margin % too high?
MBT Bancshares' current OCF Margin % of 31.99% is 36% above median its 10-year median of 23.58. Over the past 10 years, this metric has ranged from a low of 1.60 to a high of 53.14. The Banks industry median OCF Margin % is 29.44. MBT Bancshares' value of 31.99% is 8.7% above this industry median. Based on the distribution chart, MBT Bancshares ranks #690 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, MBT Bancshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MBT Bancshares' OCF Margin % compare to FFWC and LSFG?
According to the Banks industry distribution chart, MBT Bancshares ranks #690 out of 1501 companies for OCF Margin %. This puts MBT Bancshares in the upper half of its industry. The industry median OCF Margin % is 29.44. MBT Bancshares' value of 31.99% is 8.7% above this benchmark. Historically, MBT Bancshares' own OCF Margin % has ranged from 1.60 to 53.14 over the past decade. While the company's 10-year median is 23.58 vs. the industry median of 29.44, MBT Bancshares has consistently been above 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. MBT Bancshares's current OCF Margin % of 31.99% is 8.7% above 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 MBT Bancshares 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. MBT Bancshares's current OCF Margin % is 31.99%, which is 36% above median its own 10-year median of 23.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBT Bancshares stock overvalued right now?
Based on GuruFocus' analysis, MBT Bancshares (MBKL) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.39, compared to a current price of $27.10 — trading 11.1% above its estimated fair value. The current OCF Margin % is 31.99%, which is 36% above median its 10-year median of 23.58 and 8.7% above the Banks industry median of 29.44. MBT Bancshares' overall GF Score™ is 62/100 with 4 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 MBT Bancshares (MBKL), the current OCF Margin % is 31.99% 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 MBT Bancshares (MBKL) Overvalued in 2026?
Based on GuruFocus' analysis, MBT Bancshares stock appears to be overvalued.
The current stock price of $27.10 is trading 11.1% above its estimated GF Value™ of $24.39.
GuruFocus considers MBT Bancshares to be Modestly Overvalued.
Key valuation signals for MBKL:
OCF Margin %: 31.99% (36% above median its 10-year median of 23.58)
GF Value™: $24.39 vs. price of $27.10 (11.1% above fair value)
Industry Position: 8.7% above the Banks median (#690 of 1501)
No single metric tells the full story. See the MBKL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MBT Bancshares Inc is a United States-based company providing commercial banking services. It offers personal banking and business banking services. The services portfolio includes online banking service, checking accounts service, savings account facility, card services, and other services.
62GF Score
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