* 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.
NSA:STERLINGNG vs PNC, USB: OCF Margin % Comparison
For the Banks - Regional subindustry, Sterling Financial Holdings Co'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.
Sterling Financial Holdings Co OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sterling Financial Holdings Co's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Sterling Financial Holdings Co'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.
Sterling Financial Holdings Co (NSA:STERLINGNG) has a OCF Margin % of 0.00% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Sterling Financial Holdings Co and its competitors. According to the industry distribution chart, Sterling Financial Holdings Co ranks #252 out of 1504 companies in the Banks industry, placing it in the top 16.8%.
Is Sterling Financial Holdings Co's OCF Margin % too high?
Sterling Financial Holdings Co's current OCF Margin % is 0.00%. Based on the distribution chart, Sterling Financial Holdings Co ranks #252 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sterling Financial Holdings Co has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Financial Holdings Co's OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Sterling Financial Holdings Co ranks #252 out of 1504 companies for OCF Margin %. This places Sterling Financial Holdings Co in the top 17% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.45. 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 29.45, based on 1,504 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 Sterling Financial Holdings Co and its competitors. For the Banks industry, the median OCF Margin % is 29.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sterling Financial Holdings Co's current OCF Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sterling Financial Holdings Co stock overvalued right now?
Based on GuruFocus' analysis, Sterling Financial Holdings Co (NSA:STERLINGNG) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦5.70, compared to a current price of ₦7.60 — trading 33.3% above its estimated fair value. The current OCF Margin % is 0.00%. Sterling Financial Holdings Co's overall GF Score™ is 49/100 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 Sterling Financial Holdings Co (NSA:STERLINGNG), the current OCF Margin % is 0.00% 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 Sterling Financial Holdings Co (NSA:STERLINGNG) Overvalued in 2026?
Based on GuruFocus' analysis, Sterling Financial Holdings Co stock appears to be overvalued.
The current stock price of ₦7.60 is trading 33.3% above its estimated GF Value™ of ₦5.70.
GuruFocus considers Sterling Financial Holdings Co to be Significantly Overvalued.
Key valuation signals for NSA:STERLINGNG:
OCF Margin %: 0.00%
GF Value™: ₦5.70 vs. price of ₦7.60 (33.3% above fair value)
No single metric tells the full story. See the NSA:STERLINGNG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sterling Financial Holdings Co Business Description
Sterling Financial Holdings Co PLC is a developer of a nonoperating financial holding structure designed to support and grow a diversified portfolio of banking and financial service companies. The company offers commercial banking, non-interest banking, and asset management through subsidiaries, enabling individuals, businesses, and institutions to access loans, trade finance, digital banking, and investment products. The Group has five reportable segments: Retail Banking, Commercial Banking, Institutional Banking, Corporate & Investment Banking, and Special Purpose Vehicle (SPV), which are the Bank's strategic business units.
49GF 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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