Oak Ridge Financial Services (BKOR) AI Stock Analysis

• Market Cap: $79.29M
• Dividend Yield: 1.83%
• Average Volume (3M): 3.57K
• Price to Earnings (P/E): 10.3
• Beta (1Y): <0.01
• Revenue Growth: 9.69%
• EPS Growth: 28.37%
• Country: US
• Employees: 98
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.85
• Shares Outstanding: 2,643,945
• 10 Day Avg. Volume: 1,455
• 30 Day Avg. Volume: 3,574
• PEG Ratio: -5.27
• Price to Book (P/B): 0.90
• Price to Sales (P/S): 2.22
• P/FCF Ratio: 10.59
• Enterprise Value/Market Cap: 1.67
• Enterprise Value/Revenue: 4.19
• Enterprise Value/Gross Profit: 4.19
• Enterprise Value/Ebitda: 14.90
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: $30.00 ▲(1.15% Upside)
• Action: Reiterated Date: 10/23/25
• Date: Action: Reiterated 10/23/25

Oak Ridge Financial Services' stock score is primarily driven by its solid technical performance and reasonable valuation. Financial performance is stable but hampered by revenue growth and cash flow challenges. The absence of earnings call data and corporate events means these factors did not influence the score.

Positive Factors

Management Quality

The appointment of Darryl Jones, with over 35 years of executive experience, enhances the board's expertise in IT and risk management, supporting strategic growth and digital transformation.

Revenue Growth

The 11.27% revenue growth indicates effective client acquisition and retention strategies, supporting long-term business expansion and market presence.

Profitability

A consistently strong gross profit margin reflects effective cost management and pricing strategies, ensuring sustainable profitability over time.

Negative Factors

Cash Flow Challenges

Inconsistent cash flow can hinder the company's ability to fund operations and investments, potentially impacting long-term growth and financial stability.

Rising Liabilities

Growing liabilities suggest increased reliance on external funding, which could pose risks if not managed, affecting financial health and flexibility.

Net Profit Margin Variability

Fluctuations in net profit margin indicate variability in net income, which may challenge consistent profitability and investor confidence.

Oak Ridge Financial Services Business Overview & Revenue Model

Company Description

Oak Ridge Financial Services, Inc. operates as a bank holding company for Bank of Oak Ridge that provides various banking products and services for individuals and businesses. It offers checking, savings, and money market accounts; overdrafts; auto, home equity, mortgage, business term, and business SBA loans; business lines of credit; credit cards; and online and mobile banking products and services. The company also provides health savings accounts, identity theft protection, wealth management, cash management, and remote deposit capture services; and auto, home, small business, renters, life, boat and watercraft, classic car, motorcycle, flood, pet, and umbrella insurance products. It operates through a network of branches in Oak Ridge, Greensboro, and Summerfield, North Carolina. The company was founded in 2000 and is based in Oak Ridge, North Carolina.

How the Company Makes Money

Oak Ridge Financial Services generates revenue through multiple streams. The primary source of income comes from asset management fees, which are charged as a percentage of the assets under management (AUM). Additionally, the company earns advisory fees for providing personalized financial planning and investment advice. Performance-based fees may also be collected when portfolios exceed predetermined benchmarks. Moreover, BKOR may receive commissions from selling specific financial products, such as insurance policies or investment funds. The firm benefits from partnerships with financial institutions and technology providers, allowing it to enhance its service offerings and expand its client base. These collaborations contribute to the overall revenue by providing access to innovative financial tools and resources that attract new clients.

Oak Ridge Financial Services Financial Statement Overview

Summary

Oak Ridge Financial Services shows stability in profitability and a solid equity base. However, challenges in revenue growth and cash flow management are notable concerns.

Income Statement

Oak Ridge Financial Services has demonstrated stability in its income statement metrics. The gross profit margin is consistently strong due to its ability to maintain revenue and manage costs effectively. However, net profit margin has seen slight fluctuations, indicating some variability in net income relative to total revenue. Revenue growth is modest, with slight declines in some years, which may suggest challenges in expanding market share or increasing customer base. EBIT margin remains robust, showing efficiency in operations.

Balance Sheet

The company's balance sheet reflects a solid equity position with a debt-to-equity ratio indicating moderate leverage. Return on equity is positive, demonstrating effective use of shareholder funds. Equity ratio is relatively stable, suggesting a strong asset base funded by equity. However, the increase in total liabilities over time indicates a growing dependence on external funding, which could pose future risks if not managed carefully.

Cash Flow

Cash flow metrics present a mixed picture. The company faces challenges with cash flow consistency, as evidenced by variations in free cash flow and operating cash flow. While there is growth in free cash flow in certain periods, the lack of recent operating cash flow data impedes a comprehensive analysis. The company needs to ensure steady cash generation to support future operations and investments.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	31.56M	25.64M	35.36M	28.09M	27.39M	25.24M
Gross Profit	31.56M	25.64M	25.97M	25.70M	25.03M	20.71M
EBITDA	8.87M	8.47M	8.81M	9.95M	11.28M	5.36M
Net Income	6.83M	5.67M	5.74M	6.66M	7.76M	3.26M
Balance Sheet
Total Assets	677.03M	663.68M	619.39M	589.28M	586.92M	540.63M
Cash, Cash Equivalents and Short-Term Investments	0.00	21.18M	20.43M	50.36M	88.08M	21.35M
Total Debt	28.25M	40.23M	38.66M	49.75M	20.39M	34.65M
Total Liabilities	610.99M	600.69M	561.05M	536.64M	535.59M	496.13M
Stockholders Equity	66.05M	62.99M	58.35M	52.64M	51.33M	44.50M
Cash Flow
Free Cash Flow	0.00	5.38M	7.07M	8.86M	7.56M	4.28M
Operating Cash Flow	0.00	6.48M	7.30M	9.31M	7.93M	5.56M
Investing Cash Flow	0.00	-43.87M	-57.93M	-47.65M	19.88M	-67.09M
Financing Cash Flow	0.00	38.14M	20.70M	606.00K	38.93M	59.31M

Oak Ridge Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 29.66
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BKOR, the sentiment is Positive. The current price of 29.66 is below the 20-day moving average (MA) of 29.91, below the 50-day MA of 29.68, and above the 200-day MA of 25.92, indicating a bullish trend. The MACD of 0.09 indicates Positive momentum. The RSI at 58.32 is Neutral, neither overbought nor oversold. The STOCH value of 58.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BKOR.

Oak Ridge Financial Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	73 Outperform	$90.50M	10.03	10.86%	2.18%	6.17%	-6.13%
FUSB	72 Outperform	$88.12M	15.28	5.50%	2.08%	1.03%	-35.72%
BKOR	69 Neutral	$79.29M	10.26	10.79%	1.83%	9.69%	28.37%
UBCP	69 Neutral	$86.03M	10.56	10.91%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BYFC	54 Neutral	$71.15M	-2.50	0.22%	―	2.54%	-174.74%
FNWB	46 Neutral	$87.71M	-19.09	-4.68%	2.88%	8.02%	21.36%