UniCredit Bank DD (XBLB:NBLB-R-B) OCF Margin %: 15.23% (As of Dec. 2025) — 75% Below Median


XBLB:NBLB-R-B UniCredit Bank DD XBLB:NBLB-R-B
4 GF Score
Price BAM1,933.00
GF Value BAM2,491.73
! 3 Warning Signs
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What is UniCredit Bank DD OCF Margin %?

UniCredit Bank DD XBLB:NBLB-R-B 4 OCF Margin % is 15.23% as of Dec. 2025, which is 75% below its 10-year median of 61.63. GuruFocus rates XBLB:NBLB-R-B with a GF Score™ of 4/100 and a GF Value™ of BAM2,491.73. The stock has 3 warning signs investors should review.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. UniCredit Bank DD's Cash Flow from Operations for the six months ended in Dec. 2025 was BAM59.3 Mil. UniCredit Bank DD's Revenue for the six months ended in Dec. 2025 was BAM389.4 Mil. Therefore, UniCredit Bank DD's OCF Margin % for the quarter that ended in Dec. 2025 was 15.23%.

As of today, UniCredit Bank DD's current OCF Yield % is 25.79%.

The historical rank and industry rank for UniCredit Bank DD's OCF Margin % or its related term are showing as below:

XBLB:NBLB-R-B' s OCF Margin % Range Over the Past 10 Years
Min: 0.33   Med: 61.63   Max: 184.78
Current: 15.23


During the past 13 years, the highest OCF Margin % of UniCredit Bank DD was 184.78%. The lowest was 0.33%. And the median was 61.63%.

XBLB:NBLB-R-B's OCF Margin % is not ranked
in the Banks industry.
Industry Median: 29.44 vs XBLB:NBLB-R-B: 15.23


UniCredit Bank DD OCF Margin % Related Terms


UniCredit Bank DD OCF Margin % Historical Data

* Premium members only.

The historical data trend for UniCredit Bank DD'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.

UniCredit Bank DD OCF Margin % Chart

UniCredit Bank DD Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 184.78 92.64 124.19 28.95 15.23

UniCredit Bank DD Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 184.78 92.64 124.19 28.95 15.23

XBLB:NBLB-R-B vs PNC, USB: OCF Margin % Comparison

For the Banks - Regional subindustry, UniCredit Bank DD'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.


UniCredit Bank DD OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, UniCredit Bank DD's OCF Margin % distribution charts can be found below:

* The bar in red indicates where UniCredit Bank DD's OCF Margin % falls into.


XBLB:NBLB-R-B
4GF Score
UniCredit Bank DD XBLB:NBLB-R-B
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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UniCredit Bank DD OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

UniCredit Bank DD's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=59.322/389.405
=15.23 %

UniCredit Bank DD's OCF Margin for the quarter that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=59.322/389.405
=15.23 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 15.23% mean?
UniCredit Bank DD (XBLB:NBLB-R-B) has a OCF Margin % of 15.23% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on UniCredit Bank DD and its competitors. This is 75% below median its historical median of 61.63. Over the past decade, UniCredit Bank DD's OCF Margin % has ranged from 0.33 to 184.78.
Is UniCredit Bank DD's OCF Margin % too high?
UniCredit Bank DD's current OCF Margin % of 15.23% is 75% below median its 10-year median of 61.63. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 184.78. The Banks industry median OCF Margin % is 29.44. UniCredit Bank DD's value of 15.23% is 48.3% below this industry median. Overall, UniCredit Bank DD has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does UniCredit Bank DD's OCF Margin % compare to PNC and USB?
UniCredit Bank DD's OCF Margin % of 15.23% can be compared against companies in the Banks industry. The industry median OCF Margin % is 29.44. UniCredit Bank DD's value of 15.23% is 48.3% below this benchmark. Historically, UniCredit Bank DD's own OCF Margin % has ranged from 0.33 to 184.78 over the past decade. While the company's 10-year median is 61.63 vs. the industry median of 29.44, UniCredit Bank DD 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. UniCredit Bank DD's current OCF Margin % of 15.23% is 48.3% 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 UniCredit Bank DD 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. UniCredit Bank DD's current OCF Margin % is 15.23%, which is 75% below median its own 10-year median of 61.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCredit Bank DD stock overvalued right now?
UniCredit Bank DD (XBLB:NBLB-R-B) has a current OCF Margin % of 15.23%. The stock's GF Value™ is BAM2,491.73, compared to a current price of BAM1,933.00 — trading 22.4% below its estimated fair value. The current OCF Margin % is 15.23%, which is 75% below median its 10-year median of 61.63 and 48.3% below the Banks industry median of 29.44. UniCredit Bank DD's overall GF Score™ is 4/100 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 UniCredit Bank DD (XBLB:NBLB-R-B), the current OCF Margin % is 15.23% 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 UniCredit Bank DD (XBLB:NBLB-R-B) Overvalued in 2026?

Based on GuruFocus' analysis, UniCredit Bank DD stock appears to be undervalued. The current stock price of BAM1,933.00 is trading 22.4% below its estimated GF Value™ of BAM2,491.73.

Key valuation signals for XBLB:NBLB-R-B:

  • OCF Margin %: 15.23% (75% below median its 10-year median of 61.63)
  • GF Value™: BAM2,491.73 vs. price of BAM1,933.00 (22.4% below fair value)
  • GF Score™: 4/100 with 3 warning signs
  • Industry Position: 48.3% below the Banks median

No single metric tells the full story. See the XBLB:NBLB-R-B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


UniCredit Bank DD Business Description

Address Kardinala Stepinca b.b, Mostar, BIH, 88000
UniCredit Bank DD is a joint-stock company in Bosnia and Herzegovina. It provides a full range of services including retail and corporate banking, risk operations, and finance and operating lease operations. The business segments of the company include Retail, Corporate and Investment Banking, Assets and Liabilities Management, and Central Unit. The company's business users comprise Entrepreneurs, Corporate clients, and Financial Institutions.
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM1,933.00
Price
BAM2,491.73
GF Value