United Bank for AfricaNSA:UBA +1.92%77 OCF Yield % is 6.32 as of Jun. 27, 2026, which is 97% below its 10-year median of 237.11. GuruFocus rates NSA:UBA with a GF Score™ of 77/100 and a GF Value™ of ₦35.30 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,502 Banks companies, United Bank for Africa ranks worse than 62.92% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
United Bank for Africa OCF Yield % Related Terms
United Bank for Africa OCF Yield % Historical Data
* 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 - Diversified subindustry, United Bank for Africa's OCF Yield %, along with its competitors' market caps and OCF Yield % 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.
United Bank for Africa OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, United Bank for Africa's OCF Yield % distribution charts can be found below:
* The bar in red indicates where United Bank for Africa's OCF Yield % 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.
United Bank for Africa (NSA:UBA) has a OCF Yield % of 6.32 as of Jun. 27, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Bank for Africa and its competitors. This is 97% below median its historical median of 237.11. According to the industry distribution chart, United Bank for Africa ranks #945 out of 1502 companies in the Banks industry, placing it in the top 62.9%.
Is United Bank for Africa's OCF Yield % too high?
United Bank for Africa's current OCF Yield % of 6.32 is 97% below median its 10-year median of 237.11. The Banks industry median OCF Yield % is 9.24. United Bank for Africa's value of 6.32 is 31.6% below this industry median. Based on the distribution chart, United Bank for Africa ranks #945 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, United Bank for Africa has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bank for Africa's OCF Yield % compare to JPM and BAC?
According to the Banks industry distribution chart, United Bank for Africa ranks #945 out of 1502 companies for OCF Yield %. This places United Bank for Africa in the lower half of its industry. The industry median OCF Yield % is 9.24. United Bank for Africa's value of 6.32 is 31.6% below this benchmark. While the company's 10-year median is 237.11 vs. the industry median of 9.24, United Bank for Africa 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 Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.24, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bank for Africa's current OCF Yield % of 6.32 is 31.6% 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 Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on United Bank for Africa and its competitors. For the Banks industry, the median OCF Yield % is 9.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bank for Africa's current OCF Yield % is 6.32, which is 97% below median its own 10-year median of 237.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bank for Africa stock overvalued right now?
Based on GuruFocus' analysis, United Bank for Africa (NSA:UBA) is currently considered Modestly Overvalued. The stock's GF Value™ is ₦35.30, compared to a current price of ₦39.85 — trading 12.9% above its estimated fair value. The current OCF Yield % is 6.32, which is 97% below median its 10-year median of 237.11 and 31.6% below the Banks industry median of 9.24. United Bank for Africa's overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For United Bank for Africa (NSA:UBA), the current OCF Yield % is 6.32 as of Jun. 27, 2026. 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 United Bank for Africa (NSA:UBA) Overvalued in 2026?
Based on GuruFocus' analysis, United Bank for Africa stock appears to be overvalued.
The current stock price of ₦39.85 is trading 12.9% above its estimated GF Value™ of ₦35.30.
GuruFocus considers United Bank for Africa to be Modestly Overvalued.
Key valuation signals for NSA:UBA:
OCF Yield %: 6.32 (97% below median its 10-year median of 237.11)
GF Value™: ₦35.30 vs. price of ₦39.85 (12.9% above fair value)
Industry Position: 31.6% below the Banks median (#945 of 1502)
No single metric tells the full story. See the NSA:UBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Bank for Africa PLC is a financial services institution. It offers banking and other financial and pension fund custody services. The geographical segments are Nigeria, the Rest of Africa and the Rest of the world. The business segments of the company are 1) Corporate Banking, which provides financial solutions to multinationals, regional companies, state-owned companies, non-governmental organizations, international and multinational organizations and financial institutions. 2) Retail/ Commercial banking segment products and services to the middle and retail segments of the market. 3) Treasury and Financial Markets segment provide financing and risk management solutions and advisory services to the company's corporate and institutional customers.
77GF Score
Get the complete analysis for NSA:UBA
OCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSA:UBA has been successfully added to your 
