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Summit Bancshares,SMAL 58 OCF Yield % is 29.58 as of Sep. 06, 2026, which is 233% above its 10-year median of 8.89. GuruFocus rates SMAL with a GF Score™ of 58/100 and a GF Value™ of $40.41 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,491 Banks companies, Summit Bancshares, ranks better than 81.15% 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
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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 29.58 as of Sep. 06, 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 233% above median its historical median of 8.89. Over the past decade, Summit Bancshares,'s OCF Yield % has ranged from 2.75 to 33.59. According to the industry distribution chart, Summit Bancshares, ranks #281 out of 1491 companies in the Banks industry, placing it in the top 18.8%.
Is Summit Bancshares,'s OCF Yield % too high?
Summit Bancshares,'s current OCF Yield % of 29.58 is 233% above median its 10-year median of 8.89. Over the past 10 years, this metric has ranged from a low of 2.75 to a high of 33.59. The Banks industry median OCF Yield % is 9.27. Summit Bancshares,'s value of 29.58 is 219.1% above this industry median. Based on the distribution chart, Summit Bancshares, ranks #281 out of 1491 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Summit Bancshares, has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bancshares,'s OCF Yield % compare to SRNN and GLBZ?
According to the Banks industry distribution chart, Summit Bancshares, ranks #281 out of 1491 companies for OCF Yield %. This places Summit Bancshares, in the top 19% of its industry — outperforming the majority of peers. The industry median OCF Yield % is 9.27. Summit Bancshares,'s value of 29.58 is 219.1% above this benchmark. Historically, Summit Bancshares,'s own OCF Yield % has ranged from 2.75 to 33.59 over the past decade. While the company's 10-year median is 8.89 vs. the industry median of 9.27, Summit Bancshares, 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 Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.27, based on 1,491 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 29.58 is 219.1% 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 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 9.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit Bancshares,'s current OCF Yield % is 29.58, which is 233% above median its own 10-year median of 8.89. 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 Undervalued. The stock's GF Value™ is $40.41, compared to a current price of $12.49 — trading 69.1% below its estimated fair value. The current OCF Yield % is 29.58, which is 233% above median its 10-year median of 8.89 and 219.1% above the Banks industry median of 9.27. Summit Bancshares,'s overall GF Score™ is 58/100 with 1 warning sign 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 29.58 as of Sep. 06, 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 undervalued.
The current stock price of $12.49 is trading 69.1% below its estimated GF Value™ of $40.41.
GuruFocus considers Summit Bancshares, to be Significantly Undervalued.
Key valuation signals for SMAL:
OCF Yield %: 29.58 (233% above median its 10-year median of 8.89)
GF Value™: $40.41 vs. price of $12.49 (69.1% below fair value)
Industry Position: 219.1% above the Banks median (#281 of 1491)
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.
58GF Score
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