Primary BkPRMY 60 OCF Margin % is 36.88% as of Dec. 2025, which is 2% below its 10-year median of 37.46. GuruFocus rates PRMY with a GF Score™ of 60/100 and a GF Value™ of $25.59 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,500 Banks companies, Primary Bk ranks better than 61.67% on this metric.
The historical rank and industry rank for Primary Bk's OCF Margin % or its related term are showing as below:
PRMY'
s OCF Margin % Range Over the Past 10 Years
Min: 17.93 Med: 37.46 Max: 47.69
Current: 36.88
During the past 7 years, the highest OCF Margin % of Primary Bk was 47.69%. The lowest was 17.93%. And the median was 37.46%.
PRMY's OCF Margin % is ranked better than 61.67% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs PRMY: 36.88
Primary Bk OCF Margin % Related Terms
Primary Bk OCF Margin % Historical Data
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The historical data trend for Primary Bk'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, Primary Bk'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.
Primary Bk OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Primary Bk's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Primary Bk'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.
Primary Bk (PRMY) has a OCF Margin % of 36.88% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Primary Bk and its competitors. This is near median its historical median of 37.46. Over the past decade, Primary Bk's OCF Margin % has ranged from 17.93 to 47.69. According to the industry distribution chart, Primary Bk ranks #575 out of 1500 companies in the Banks industry, placing it in the top 38.3%.
Is Primary Bk's OCF Margin % too high?
Primary Bk's current OCF Margin % of 36.88% is near median its 10-year median of 37.46. Over the past 10 years, this metric has ranged from a low of 17.93 to a high of 47.69. The Banks industry median OCF Margin % is 29.44. Primary Bk's value of 36.88% is 25.3% above this industry median. Based on the distribution chart, Primary Bk ranks #575 out of 1500 companies in the Banks industry, which is above the industry midpoint. Overall, Primary Bk has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primary Bk's OCF Margin % compare to TYFG and INBC?
According to the Banks industry distribution chart, Primary Bk ranks #575 out of 1500 companies for OCF Margin %. This puts Primary Bk in the upper half of its industry. The industry median OCF Margin % is 29.44. Primary Bk's value of 36.88% is 25.3% above this benchmark. Historically, Primary Bk's own OCF Margin % has ranged from 17.93 to 47.69 over the past decade. While the company's 10-year median is 37.46 vs. the industry median of 29.44, Primary Bk 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 1,500 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. Primary Bk's current OCF Margin % of 36.88% is 25.3% 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 Primary Bk 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. Primary Bk's current OCF Margin % is 36.88%, which is near median its own 10-year median of 37.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primary Bk stock overvalued right now?
Based on GuruFocus' analysis, Primary Bk (PRMY) is currently considered Modestly Overvalued. The stock's GF Value™ is $25.59, compared to a current price of $29.89 — trading 16.8% above its estimated fair value. The current OCF Margin % is 36.88%, which is near median its 10-year median of 37.46 and 25.3% above the Banks industry median of 29.44. Primary Bk's overall GF Score™ is 60/100 with 3 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 Primary Bk (PRMY), the current OCF Margin % is 36.88% 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 Primary Bk (PRMY) Overvalued in 2026?
Based on GuruFocus' analysis, Primary Bk stock appears to be overvalued.
The current stock price of $29.89 is trading 16.8% above its estimated GF Value™ of $25.59.
GuruFocus considers Primary Bk to be Modestly Overvalued.
Key valuation signals for PRMY:
OCF Margin %: 36.88% (near median its 10-year median of 37.46)
GF Value™: $25.59 vs. price of $29.89 (16.8% above fair value)
Industry Position: 25.3% above the Banks median (#575 of 1500)
No single metric tells the full story. See the PRMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Primary Bk is a banking service provider. The services offered by the bank include online banking, mobile banking, remote deposit, cash management, and credit cards. The Bank provides a variety of financial services to small and medium-sized businesses, professionals, municipalities, and not-for-profit organizations through its offices in Bedford, Manchester, Derry, and Nashua, New Hampshire.
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