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NCB Financial GroupTRN:NCBFG -3.51%71 OCF Margin % is 81.23% as of Dec. 2025, which is 210% above its 10-year median of 26.21. GuruFocus rates TRN:NCBFG with a GF Score™ of 71/100 and a GF Value™ of TTD1.84 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 102 Diversified Financial Services companies, NCB Financial Group ranks better than 84.31% on this metric.
The historical rank and industry rank for NCB Financial Group's OCF Margin % or its related term are showing as below:
TRN:NCBFG'
s OCF Margin % Range Over the Past 10 Years
Min: 6.53 Med: 26.21 Max: 143.87
Current: 66.29
During the past 13 years, the highest OCF Margin % of NCB Financial Group was 143.87%. The lowest was 6.53%. And the median was 26.21%.
TRN:NCBFG's OCF Margin % is ranked better than 84.31% of 102
companies
in the Diversified Financial Services industry
Industry Median: 1.365
vs TRN:NCBFG: 66.29
The historical data trend for NCB Financial Group'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 Financial Conglomerates subindustry, NCB Financial Group'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.
NCB Financial Group OCF Margin % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, NCB Financial Group's OCF Margin % distribution charts can be found below:
* The bar in red indicates where NCB Financial Group'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.
NCB Financial Group (TRN:NCBFG) has a OCF Margin % of 81.23% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on NCB Financial Group and its competitors. This is 210% above median its historical median of 26.21. Over the past decade, NCB Financial Group's OCF Margin % has ranged from 6.53 to 143.87. According to the industry distribution chart, NCB Financial Group ranks #16 out of 102 companies in the Diversified Financial Services industry, placing it in the top 15.7%.
Is NCB Financial Group's OCF Margin % too high?
NCB Financial Group's current OCF Margin % of 81.23% is 210% above median its 10-year median of 26.21. Over the past 10 years, this metric has ranged from a low of 6.53 to a high of 143.87. The Diversified Financial Services industry median OCF Margin % is 1.37. NCB Financial Group's value of 81.23% is 5850.9% above this industry median. Based on the distribution chart, NCB Financial Group ranks #16 out of 102 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, NCB Financial Group has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCB Financial Group's OCF Margin % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, NCB Financial Group ranks #16 out of 102 companies for OCF Margin %. This places NCB Financial Group in the top 16% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 1.37. NCB Financial Group's value of 81.23% is 5850.9% above this benchmark. Historically, NCB Financial Group's own OCF Margin % has ranged from 6.53 to 143.87 over the past decade. While the company's 10-year median is 26.21 vs. the industry median of 1.37, NCB Financial Group 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 Diversified Financial Services company?
The median OCF Margin % among Diversified Financial Services companies is 1.37, based on 102 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. NCB Financial Group's current OCF Margin % of 81.23% is 5850.9% 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 NCB Financial Group and its competitors. For the Diversified Financial Services industry, the median OCF Margin % is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NCB Financial Group's current OCF Margin % is 81.23%, which is 210% above median its own 10-year median of 26.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCB Financial Group stock overvalued right now?
Based on GuruFocus' analysis, NCB Financial Group (TRN:NCBFG) is currently considered Significantly Overvalued. The stock's GF Value™ is TTD1.84, compared to a current price of TTD3.30 — trading 79.3% above its estimated fair value. The current OCF Margin % is 81.23%, which is 210% above median its 10-year median of 26.21 and 5850.9% above the Diversified Financial Services industry median of 1.37. NCB Financial Group's overall GF Score™ is 71/100 with 7 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 NCB Financial Group (TRN:NCBFG), the current OCF Margin % is 81.23% 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 NCB Financial Group (TRN:NCBFG) Overvalued in 2026?
Based on GuruFocus' analysis, NCB Financial Group stock appears to be overvalued.
The current stock price of TTD3.30 is trading 79.3% above its estimated GF Value™ of TTD1.84.
GuruFocus considers NCB Financial Group to be Significantly Overvalued.
Key valuation signals for TRN:NCBFG:
OCF Margin %: 81.23% (210% above median its 10-year median of 26.21)
GF Value™: TTD1.84 vs. price of TTD3.30 (79.3% above fair value)
Industry Position: 5850.9% above the Diversified Financial Services median (#16 of 102)
No single metric tells the full story. See the TRN:NCBFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NCB Financial Group Ltd provides financial services. Its segments comprise Banking and Investment Activities which includes Consumer & SME Banking, Corporate and Commerical Banking, Payment services, Treasury and Correspondent banking, Wealth, Asset management, and Investment Banking; And Insurance Activities Life and Health Insurance and pension Management, and General Insurance. Maximum revenue is from Life and Health Insurance and pension Management sector, with maximum profit from Jamaica and Trinidad and Tobago.
71GF Score
Get the complete analysis for TRN:NCBFG
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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