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.
Summit Bancshares,SMAL -0.52%62 OCF Yield % is 6.38 as of Jul. 23, 2026, which is 28% below its 10-year median of 8.90. GuruFocus rates SMAL with a GF Score™ of 62/100 and a GF Value™ of $40.30 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,495 Banks companies, Summit Bancshares, ranks worse than 62.54% 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.
Summit Bancshares, OCF Yield % Related Terms
Summit Bancshares, OCF Yield % Historical Data
* Premium members only.
The historical data trend for Summit Bancshares,'s OCF Yield % 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, Summit Bancshares,'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.
Summit Bancshares, OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Summit Bancshares,'s OCF Yield % distribution charts can be found below:
* The bar in red indicates where Summit Bancshares,'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.
Summit Bancshares, (SMAL) has a OCF Yield % of 6.38 as of Jul. 23, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Summit Bancshares, and its competitors. This is 28% below median its historical median of 8.90. Over the past decade, Summit Bancshares,'s OCF Yield % has ranged from 2.75 to 18.47. According to the industry distribution chart, Summit Bancshares, ranks #935 out of 1495 companies in the Banks industry, placing it in the top 62.5%.
Is Summit Bancshares,'s OCF Yield % too high?
Summit Bancshares,'s current OCF Yield % of 6.38 is 28% below median its 10-year median of 8.90. Over the past 10 years, this metric has ranged from a low of 2.75 to a high of 18.47. The Banks industry median OCF Yield % is 9.21. Summit Bancshares,'s value of 6.38 is 30.7% below this industry median. Based on the distribution chart, Summit Bancshares, ranks #935 out of 1495 companies in the Banks industry, which is below the industry midpoint. Overall, Summit Bancshares, has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bancshares,'s OCF Yield % compare to CLST and LSFG?
According to the Banks industry distribution chart, Summit Bancshares, ranks #935 out of 1495 companies for OCF Yield %. This places Summit Bancshares, in the lower half of its industry. The industry median OCF Yield % is 9.21. Summit Bancshares,'s value of 6.38 is 30.7% below this benchmark. Historically, Summit Bancshares,'s own OCF Yield % has ranged from 2.75 to 18.47 over the past decade. While the company's 10-year median is 8.90 vs. the industry median of 9.21, Summit Bancshares, 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 9.21, based on 1,495 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. Summit Bancshares,'s current OCF Yield % of 6.38 is 30.7% 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 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 Summit Bancshares, and its competitors. For the Banks industry, the median OCF Yield % is 9.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit Bancshares,'s current OCF Yield % is 6.38, which is 28% below median its own 10-year median of 8.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit Bancshares, stock overvalued right now?
Based on GuruFocus' analysis, Summit Bancshares, (SMAL) is currently considered Significantly Overvalued. The stock's GF Value™ is $40.30, compared to a current price of $57.95 — trading 43.8% above its estimated fair value. The current OCF Yield % is 6.38, which is 28% below median its 10-year median of 8.90 and 30.7% below the Banks industry median of 9.21. Summit Bancshares,'s overall GF Score™ is 62/100 with 5 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 Summit Bancshares, (SMAL), the current OCF Yield % is 6.38 as of Jul. 23, 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 Summit Bancshares, (SMAL) Overvalued in 2026?
Based on GuruFocus' analysis, Summit Bancshares, stock appears to be overvalued.
The current stock price of $57.95 is trading 43.8% above its estimated GF Value™ of $40.30.
GuruFocus considers Summit Bancshares, to be Significantly Overvalued.
Key valuation signals for SMAL:
OCF Yield %: 6.38 (28% below median its 10-year median of 8.90)
GF Value™: $40.30 vs. price of $57.95 (43.8% above fair value)
Industry Position: 30.7% below the Banks median (#935 of 1495)
No single metric tells the full story. See the SMAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Summit Bancshares, Inc. operates in the banking industry. It offers personal banking, business banking, and other services. The Bank operates approximately three branches and provides commercial credit and other banking services to small and mid-sized businesses and professionals, including professional firms of physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors.
62GF Score
Get the complete analysis for SMAL
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
SMAL has been successfully added to your 
