Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Triad Business BankTBBC 67 OCF Margin % is 20.81% as of Dec. 2025, which is 348% above its 10-year median of 4.65. GuruFocus rates TBBC with a GF Score™ of 67/100 and a GF Value™ of $5.43 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,498 Banks companies, Triad Business Bank ranks worse than 61.88% on this metric.
The historical data trend for Triad Business Bank'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, Triad Business Bank'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.
Triad Business Bank OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Triad Business Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Triad Business Bank'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.
Triad Business Bank (TBBC) has a OCF Margin % of 20.81% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Triad Business Bank and its competitors. This is 348% above median its historical median of 4.65. According to the industry distribution chart, Triad Business Bank ranks #927 out of 1498 companies in the Banks industry, placing it in the top 61.9%.
Is Triad Business Bank's OCF Margin % too high?
Triad Business Bank's current OCF Margin % of 20.81% is 348% above median its 10-year median of 4.65. The Banks industry median OCF Margin % is 29.27. Triad Business Bank's value of 20.81% is 28.9% below this industry median. Based on the distribution chart, Triad Business Bank ranks #927 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, Triad Business Bank has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Triad Business Bank's OCF Margin % compare to DENI and FGFI?
According to the Banks industry distribution chart, Triad Business Bank ranks #927 out of 1498 companies for OCF Margin %. This places Triad Business Bank in the lower half of its industry. The industry median OCF Margin % is 29.27. Triad Business Bank's value of 20.81% is 28.9% below this benchmark. While the company's 10-year median is 4.65 vs. the industry median of 29.27, Triad Business Bank 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 29.27, based on 1,498 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. Triad Business Bank's current OCF Margin % of 20.81% is 28.9% 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 Triad Business Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Triad Business Bank's current OCF Margin % is 20.81%, which is 348% above median its own 10-year median of 4.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Triad Business Bank stock overvalued right now?
Based on GuruFocus' analysis, Triad Business Bank (TBBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $5.43, compared to a current price of $6.51 — trading 19.9% above its estimated fair value. The current OCF Margin % is 20.81%, which is 348% above median its 10-year median of 4.65 and 28.9% below the Banks industry median of 29.27. Triad Business Bank's overall GF Score™ is 67/100 with 2 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 Triad Business Bank (TBBC), the current OCF Margin % is 20.81% 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 Triad Business Bank (TBBC) Overvalued in 2026?
Based on GuruFocus' analysis, Triad Business Bank stock appears to be overvalued.
The current stock price of $6.51 is trading 19.9% above its estimated GF Value™ of $5.43.
GuruFocus considers Triad Business Bank to be Modestly Overvalued.
Key valuation signals for TBBC:
OCF Margin %: 20.81% (348% above median its 10-year median of 4.65)
GF Value™: $5.43 vs. price of $6.51 (19.9% above fair value)
Industry Position: 28.9% below the Banks median (#927 of 1498)
No single metric tells the full story. See the TBBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Triad Business Bank is engaged in the provision of financial products and services operating through its banking offices in the Triad region of North Carolina, USA. It offers a range of private banking, commercial banking, and treasury solutions, which include products and services like checking accounts, debit cards and online services, loans, money market accounts, and cash management solutions, among others.
67GF Score
Get the complete analysis for TBBC
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TBBC has been successfully added to your 
