Oak Ridge Financial Services (BKOR)
OTHER OTC:BKOR
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Oak Ridge Financial Services
(OTC:BKOR)
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Rating:70Outperform
Price Target:
$33.00
▲(11.26% Upside)
Action:N/ADate:10/03/25
The overall score of 70 is primarily driven by strong bullish technical momentum, with the stock trading above all key moving averages. This positive trend is supported by a reasonable valuation. However, the score is significantly tempered by underlying fundamental weaknesses, most notably a sharp annual revenue decline and a downtrend in profitability, which pose considerable risks despite the company's robust cash flow.
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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Oak Ridge Financial Services (BKOR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$77.28M
Dividend Yield1.83%
Average Volume (3M)3.57K
Price to Earnings (P/E)10.2
Beta (1Y)<0.01
Revenue Growth9.69%
EPS Growth28.37%
CountryUS
Employees98
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.85
Shares Outstanding2,643,945
10 Day Avg. Volume1,455
30 Day Avg. Volume3,574
Financial Highlights & Ratios
PEG Ratio-5.27
Price to Book (P/B)0.90
Price to Sales (P/S)2.22
P/FCF Ratio10.59
Enterprise Value/Market Cap1.68
Enterprise Value/Revenue4.12
Enterprise Value/Gross Profit4.12
Enterprise Value/Ebitda14.67
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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; aut...
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 advisor...
Oak Ridge Financial Services Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
55
Neutral
Cash Flow
78
Positive
| 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
Positive
29.66
Price Trends
29.45
Negative
29.26
Negative
27.09
Positive
Market Momentum
-0.10
Negative
52.93
Neutral
65.08
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 above the 20-day moving average (MA) of 28.95, above the 50-day MA of 29.45, and above the 200-day MA of 27.09, indicating a neutral trend. The MACD of -0.10 indicates Negative momentum. The RSI at 52.93 is Neutral, neither overbought nor oversold. The STOCH value of 65.08 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $103.50M | 9.36 | 12.15% | 2.18% | 6.17% | -6.13% | |
70 Outperform | $77.28M | 10.16 | 11.87% | 1.83% | 9.69% | 28.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $88.94M | 10.17 | 12.01% | 6.51% | 6.31% | -5.00% | |
65 Neutral | $88.42M | 13.56 | 5.80% | 2.08% | 1.03% | -35.72% | |
46 Neutral | $93.65M | -21.37 | -2.76% | 2.88% | 8.02% | 21.36% | |
44 Neutral | $70.06M | -2.57 | -8.97% | ― | 2.54% | -174.74% |
* Financial Sector Average
BKOR
Oak Ridge Financial Services
29.23
8.93
44.00%
BOTJ
Bank Of The Jame Financial
22.78
8.89
64.04%
BYFC
Broadway Financial
7.53
1.32
21.26%
UBCP
United Bancorp
15.45
3.41
28.28%
FUSB
First US Bancshares
15.65
3.12
24.89%
FNWB
First Northwest Bancorp
9.91
0.26
2.68%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.