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:
$34.00
▲(14.63% Upside)
Action:Upgraded
Date:05/09/26
BKOR scores 70 driven primarily by solid (but variable) financial performance, supported by constructive technical momentum (price above key moving averages with positive MACD). Valuation is reasonable with a modest dividend yield, but the uneven earnings/cash-flow trajectory and normalized ROE temper the overall score.
Positive Factors
Business model: deposit + lending + fees
Oak Ridge’s classic community-bank model generates revenue from net interest margins plus recurring fee income. That mix supports diversified, stable cash flows over time: local deposit funding and lending relationships create durable NII and fee streams less dependent on one product or partner.
Negative Factors
Volatile revenue and margins
Sharp swings in revenue and margin reduce earnings visibility and complicate planning for loan provisioning and capital allocation. For a regional bank, inconsistent top-line trends make forecasting credit costs and interest income riskier, undermining medium-term profit predictability.
Read all positive and negative factors
Positive Factors
Negative Factors
Business model: deposit + lending + fees
Oak Ridge’s classic community-bank model generates revenue from net interest margins plus recurring fee income. That mix supports diversified, stable cash flows over time: local deposit funding and lending relationships create durable NII and fee streams less dependent on one product or partner.
Read all positive factors
Oak Ridge Financial Services (BKOR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$81.96M
Dividend Yield1.83%
Average Volume (3M)3.57K
Price to Earnings (P/E)13.7
Beta (1Y)0.04
Revenue Growth4.80%
EPS Growth35.17%
CountryUS
Employees98
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.48
Shares Outstanding2,643,945
10 Day Avg. Volume1,455
30 Day Avg. Volume3,574
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)1.14
Price to Sales (P/S)1.84
P/FCF Ratio11.63
Enterprise Value/Market Cap1.40
Enterprise Value/Revenue3.63
Enterprise Value/Gross Profit3.63
Enterprise Value/Ebitda12.92
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 primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is generated from interest earned on loans and other interest-earning assets (e.g., investment securities and intere...
Oak Ridge Financial Services Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
67
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 31.56M | 44.28M | 25.64M | 35.36M | 28.09M | 27.39M |
| Gross Profit | 31.56M | 29.36M | 25.64M | 25.97M | 25.70M | 25.03M |
| EBITDA | 8.87M | 10.37M | 8.47M | 8.81M | 9.95M | 11.28M |
| Net Income | 6.83M | 8.01M | 5.67M | 5.74M | 6.66M | 7.76M |
Balance Sheet | ||||||
| Total Assets | 677.03M | 660.24M | 663.68M | 619.39M | 589.28M | 586.92M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 0.00 | 21.18M | 20.43M | 50.36M | 88.08M |
| Total Debt | 28.25M | 49.90M | 40.23M | 38.66M | 49.75M | 20.39M |
| Total Liabilities | 610.99M | 588.95M | 600.69M | 561.05M | 536.64M | 535.59M |
| Stockholders Equity | 66.05M | 71.29M | 62.99M | 58.35M | 52.64M | 51.33M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.00M | 5.38M | 7.07M | 8.86M | 7.56M |
| Operating Cash Flow | 0.00 | 8.82M | 6.48M | 7.30M | 9.31M | 7.93M |
| Investing Cash Flow | 0.00 | 5.89M | -43.87M | -57.93M | -47.65M | 19.88M |
| Financing Cash Flow | 0.00 | -13.49M | 38.14M | 20.70M | 606.00K | 38.93M |
Oak Ridge Financial Services Technical Analysis
Neutral
29.66
Price Trends
30.19
Positive
29.94
Positive
28.47
Positive
Market Momentum
0.22
Positive
52.64
Neutral
43.92
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BKOR, the sentiment is Neutral. The current price of 29.66 is below the 20-day moving average (MA) of 31.24, below the 50-day MA of 30.19, and above the 200-day MA of 28.47, indicating a neutral trend. The MACD of 0.22 indicates Positive momentum. The RSI at 52.64 is Neutral, neither overbought nor oversold. The STOCH value of 43.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $104.04M | 8.43 | 14.13% | 2.18% | 5.49% | 66.01% | |
72 Outperform | $88.99M | 11.25 | 5.92% | 2.08% | 3.98% | -20.75% | |
70 Outperform | $81.96M | 13.74 | 11.87% | 1.83% | 4.80% | 35.17% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $83.39M | 10.94 | 11.80% | 6.51% | 7.19% | 9.14% | |
54 Neutral | $89.68M | 10.02 | -7.66% | ― | 2.16% | -1083.24% | |
48 Neutral | $92.33M | 3,217.02 | 3.14% | 2.88% | -3.63% | ― |
* Financial Sector Average
BKOR
Oak Ridge Financial Services
31.07
9.93
46.96%
BOTJ
Bank Of The Jame Financial
22.75
8.84
63.56%
BYFC
Broadway Financial
9.69
3.53
57.31%
UBCP
United Bancorp
14.57
1.80
14.08%
FUSB
First US Bancshares
15.90
3.11
24.35%
FNWB
First Northwest Bancorp
9.60
0.34
3.67%
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.