West Shore BankWSSH +0.33%56 OCF Margin % is 24.52% as of Dec. 2025, which is at its 10-year median of 24.52. GuruFocus rates WSSH with a GF Score™ of 56/100 and a GF Value™ of $34.87 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,501 Banks companies, West Shore Bank ranks worse than 58.29% on this metric.
The historical rank and industry rank for West Shore Bank's OCF Margin % or its related term are showing as below:
WSSH'
s OCF Margin % Range Over the Past 10 Years
Min: 0.14 Med: 24.52 Max: 33.82
Current: 24.52
During the past 7 years, the highest OCF Margin % of West Shore Bank was 33.82%. The lowest was 0.14%. And the median was 24.52%.
WSSH's OCF Margin % is ranked worse than 58.29% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs WSSH: 24.52
West Shore Bank OCF Margin % Related Terms
West Shore Bank OCF Margin % Historical Data
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The historical data trend for West Shore 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, West Shore 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.
West Shore Bank OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, West Shore Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where West Shore 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.
West Shore Bank (WSSH) has a OCF Margin % of 24.52% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on West Shore Bank and its competitors. This is near median its historical median of 24.52. Over the past decade, West Shore Bank's OCF Margin % has ranged from 0.14 to 33.82. According to the industry distribution chart, West Shore Bank ranks #875 out of 1501 companies in the Banks industry, placing it in the top 58.3%.
Is West Shore Bank's OCF Margin % too high?
West Shore Bank's current OCF Margin % of 24.52% is near median its 10-year median of 24.52. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 33.82. The Banks industry median OCF Margin % is 29.44. West Shore Bank's value of 24.52% is 16.7% below this industry median. Based on the distribution chart, West Shore Bank ranks #875 out of 1501 companies in the Banks industry, which is below the industry midpoint. Overall, West Shore Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's OCF Margin % compare to PVBK and TBBC?
According to the Banks industry distribution chart, West Shore Bank ranks #875 out of 1501 companies for OCF Margin %. This places West Shore Bank in the lower half of its industry. The industry median OCF Margin % is 29.44. West Shore Bank's value of 24.52% is 16.7% below this benchmark. Historically, West Shore Bank's own OCF Margin % has ranged from 0.14 to 33.82 over the past decade. While the company's 10-year median is 24.52 vs. the industry median of 29.44, West Shore 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 29.44, 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. West Shore Bank's current OCF Margin % of 24.52% is 16.7% 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 West Shore Bank 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. West Shore Bank's current OCF Margin % is 24.52%, which is near median its own 10-year median of 24.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is West Shore Bank stock overvalued right now?
Based on GuruFocus' analysis, West Shore Bank (WSSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $34.87, compared to a current price of $42.80 — trading 22.7% above its estimated fair value. The current OCF Margin % is 24.52%, which is near median its 10-year median of 24.52 and 16.7% below the Banks industry median of 29.44. West Shore Bank's overall GF Score™ is 56/100 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 West Shore Bank (WSSH), the current OCF Margin % is 24.52% 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 West Shore Bank (WSSH) Overvalued in 2026?
Based on GuruFocus' analysis, West Shore Bank stock appears to be overvalued.
The current stock price of $42.80 is trading 22.7% above its estimated GF Value™ of $34.87.
GuruFocus considers West Shore Bank to be Modestly Overvalued.
Key valuation signals for WSSH:
OCF Margin %: 24.52% (near median its 10-year median of 24.52)
GF Value™: $34.87 vs. price of $42.80 (22.7% above fair value)
Industry Position: 16.7% below the Banks median (#875 of 1501)
No single metric tells the full story. See the WSSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
West Shore Bank Corp is a provider of banking and financial service. The banks services include time savings, demand deposits and checking account services; commercial, consumer and mortgage loan services; treasury and cash management services; wealth management and investment services; telephone banking, Internet banking and mobile banking services; safe deposit, and automated transaction machine (ATM/ITM) services, among others.
56GF Score
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