CB Bulgarian American Credit Bank AD (XBUL:BACB) OCF Yield %: 2.06 (As of Jul. 09, 2026) — 85% Below Median


XBUL:BACB CB Bulgarian American Credit Bank AD XBUL:BACB
65 GF Score
Price €6.45
GF Value €10.13
Valuation Significantly Undervalued
! 2 Warning Signs
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What is CB Bulgarian American Credit Bank AD OCF Yield %?

CB Bulgarian American Credit Bank AD XBUL:BACB 65 OCF Yield % is 2.06 as of Jul. 09, 2026, which is 85% below its 10-year median of 14.14. GuruFocus rates XBUL:BACB with a GF Score™ of 65/100 and a GF Value™ of €10.13 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,499 Banks companies, CB Bulgarian American Credit Bank AD ranks worse than 72.85% 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.

As of today, CB Bulgarian American Credit Bank AD's Trailing 12-Month Cash Flow from Operations is €3.29 Mil, and Market Cap is €159.26 Mil. Therefore, CB Bulgarian American Credit Bank AD's OCF Yield % for today is 2.06%.

The historical rank and industry rank for CB Bulgarian American Credit Bank AD's OCF Yield % or its related term are showing as below:

XBUL:BACB' s OCF Yield % Range Over the Past 10 Years
Min: -115.67   Med: 14.14   Max: 180
Current: 2.06


During the past 13 years, the highest OCF Yield % of CB Bulgarian American Credit Bank AD was 180.00%. The lowest was -115.67%. And the median was 14.14%.

XBUL:BACB's OCF Yield % is ranked worse than
72.85% of 1499 companies
in the Banks industry
Industry Median: 9.33 vs XBUL:BACB: 2.06

CB Bulgarian American Credit Bank AD's OCF Margin % for the quarter that ended in Mar. 2026 was %.


CB Bulgarian American Credit Bank AD OCF Yield % Explanation

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.


CB Bulgarian American Credit Bank AD OCF Yield % Related Terms


CB Bulgarian American Credit Bank AD OCF Yield % Historical Data

* Premium members only.

The historical data trend for CB Bulgarian American Credit Bank AD'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.

CB Bulgarian American Credit Bank AD OCF Yield % Chart

CB Bulgarian American Credit Bank AD Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 74.04 92.88 27.49 -45.63 -12.49

CB Bulgarian American Credit Bank AD Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Yield % 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 Premium Member Only Premium Member Only Premium Member Only 156.62 -231.02 -43.06 7.26 377.50

XBUL:BACB vs PNC, USB: OCF Yield % Comparison

For the Banks - Regional subindustry, CB Bulgarian American Credit Bank AD'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.


CB Bulgarian American Credit Bank AD OCF Yield % vs Banks Industry

For the Banks industry and Financial Services sector, CB Bulgarian American Credit Bank AD's OCF Yield % distribution charts can be found below:

* The bar in red indicates where CB Bulgarian American Credit Bank AD's OCF Yield % falls into.


XBUL:BACB
65GF Score
CB Bulgarian American Credit Bank AD XBUL:BACB
OCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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CB Bulgarian American Credit Bank AD OCF Yield % Calculation

OCF Yield % is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.

CB Bulgarian American Credit Bank AD's OCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

OCF Yield %=Cash Flow from Operations / Market Cap
=-36.081 / 288.8847
=-12.49%

CB Bulgarian American Credit Bank AD's annualized OCF Yield % for the quarter that ended in Mar. 2026 is calculated as

OCF Yield %=Cash Flow from Operations * Annualized Factor / Market Cap
=163.113 * 4 / 172.837
=377.50%

* 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 Yield % →
What does a OCF Yield % of 2.06 mean?
CB Bulgarian American Credit Bank AD (XBUL:BACB) has a OCF Yield % of 2.06 as of Jul. 09, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on CB Bulgarian American Credit Bank AD and its competitors. This is 85% below median its historical median of 14.14. According to the industry distribution chart, CB Bulgarian American Credit Bank AD ranks #1092 out of 1499 companies in the Banks industry, placing it in the top 72.8%.
Is CB Bulgarian American Credit Bank AD's OCF Yield % too high?
CB Bulgarian American Credit Bank AD's current OCF Yield % of 2.06 is 85% below median its 10-year median of 14.14. The Banks industry median OCF Yield % is 9.33. CB Bulgarian American Credit Bank AD's value of 2.06 is 77.9% below this industry median. Based on the distribution chart, CB Bulgarian American Credit Bank AD ranks #1092 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, CB Bulgarian American Credit Bank AD has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CB Bulgarian American Credit Bank AD's OCF Yield % compare to PNC and USB?
According to the Banks industry distribution chart, CB Bulgarian American Credit Bank AD ranks #1092 out of 1499 companies for OCF Yield %. This places CB Bulgarian American Credit Bank AD in the lower half of its industry. The industry median OCF Yield % is 9.33. CB Bulgarian American Credit Bank AD's value of 2.06 is 77.9% below this benchmark. While the company's 10-year median is 14.14 vs. the industry median of 9.33, CB Bulgarian American Credit Bank AD 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 9.33, based on 1,499 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. CB Bulgarian American Credit Bank AD's current OCF Yield % of 2.06 is 77.9% 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 CB Bulgarian American Credit Bank AD and its competitors. For the Banks industry, the median OCF Yield % is 9.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CB Bulgarian American Credit Bank AD's current OCF Yield % is 2.06, which is 85% below median its own 10-year median of 14.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Bulgarian American Credit Bank AD stock overvalued right now?
Based on GuruFocus' analysis, CB Bulgarian American Credit Bank AD (XBUL:BACB) is currently considered Significantly Undervalued. The stock's GF Value™ is €10.13, compared to a current price of €6.45 — trading 36.3% below its estimated fair value. The current OCF Yield % is 2.06, which is 85% below median its 10-year median of 14.14 and 77.9% below the Banks industry median of 9.33. CB Bulgarian American Credit Bank AD's overall GF Score™ is 65/100 with 2 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 CB Bulgarian American Credit Bank AD (XBUL:BACB), the current OCF Yield % is 2.06 as of Jul. 09, 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 CB Bulgarian American Credit Bank AD (XBUL:BACB) Overvalued in 2026?

Based on GuruFocus' analysis, CB Bulgarian American Credit Bank AD stock appears to be undervalued. The current stock price of €6.45 is trading 36.3% below its estimated GF Value™ of €10.13. GuruFocus considers CB Bulgarian American Credit Bank AD to be Significantly Undervalued.

Key valuation signals for XBUL:BACB:

  • OCF Yield %: 2.06 (85% below median its 10-year median of 14.14)
  • GF Value™: €10.13 vs. price of €6.45 (36.3% below fair value)
  • GF Score™: 65/100 with 2 warning signs
  • Industry Position: 77.9% below the Banks median (#1092 of 1499)

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


CB Bulgarian American Credit Bank AD Business Description

Address 2 Slavyanska Street, Sofia, BGR, 1000
CB Bulgarian American Credit Bank AD is engaged in providing secured finance to small and medium-sized businesses in Bulgaria. The company has three segments: Construction, Real estate investments and land development, and Electricity production.
65GF Score

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OCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€6.45
Price
€10.13
GF Value