Oregon Pacific Bancorp (ORPB) AI Stock Analysis

• Market Cap: $76.74M
• Dividend Yield: N/A
• Average Volume (3M): 8.52K
• Price to Earnings (P/E): 9.3
• Beta (1Y): 0.17
• Revenue Growth: 8.45%
• EPS Growth: 7.38%
• Country: US
• Employees: 148
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.37
• Shares Outstanding: 7,008,125
• 10 Day Avg. Volume: 1,174
• 30 Day Avg. Volume: 8,515
• PEG Ratio: -0.40
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 1.66
• P/FCF Ratio: 6.66
• Enterprise Value/Market Cap: 1.14
• Enterprise Value/Revenue: 2.44
• Enterprise Value/Gross Profit: 2.44
• Enterprise Value/Ebitda: 6.13
• 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: 71 Outperform
• Price Target: $12.00 ▲(7.62% Upside)
• Action: Reiterated Date: 10/23/25
• Date: Action: Reiterated 10/23/25

Oregon Pacific Bancorp's strong financial performance and positive technical indicators are the primary drivers of its score. The stock's undervaluation adds to its appeal, though the lack of dividend yield and overbought technical indicators are potential concerns.

Positive Factors

Revenue Growth

Consistent revenue growth reflects the company's ability to expand its customer base and enhance its service offerings, supporting long-term business sustainability.

Balance Sheet Strength

A strong equity base provides financial stability and flexibility, enabling the company to invest in growth opportunities and weather economic downturns.

Cash Flow Generation

Robust cash flow generation ensures the company can meet its financial obligations, reinvest in business operations, and support future growth initiatives.

Negative Factors

Net Profit Margin Decline

Declining net profit margins can reduce overall profitability, limiting the company's ability to reinvest in growth and potentially affecting shareholder returns.

Equity Ratio Decrease

A decreasing equity ratio indicates increased leverage, which can heighten financial risk and reduce the company's ability to absorb economic shocks.

EPS Growth Decline

Negative EPS growth suggests challenges in maintaining profitability, which could impact investor confidence and the company's ability to attract capital.

Oregon Pacific Bancorp Business Overview & Revenue Model

Company Description

Oregon Pacific Bancorp operates as the bank holding company for Oregon Pacific Banking Company that provides various banking products and services to individual and business customers in the United States. The company's deposit products include checking, savings, money market, and time deposit accounts. It also provides business loans, including mortgage loans, commercial real estate loans, equipment financing, and government guaranteed loans. In addition, the company offers vehicle loans for cars, boats, ATVs, RVs, and motorcycles; personal loans comprising unsecured installment loans, unsecured lines of credit, home equity lines of credit, and home equity term loans, as well as cash secured loans with a certificate of deposit; mortgage loans; and credit cards. Further, it provides merchant services that include payment processing solutions; cash management services; trust and fiduciary services, such as trust administration, and estate planning and settlement services; wealth management services; retirement planning services; and investment and insurance products. The company also provides online and mobile banking, night depository, notary, and overdraft protection services; and safe deposit boxes. It operates through full-service branches in Florence, Eugene, Coos Bay, Roseburg, and Medford; and offers trust services in Florence, Coos Bay, Medford, and Eugene. Oregon Pacific Bancorp was founded in 1979 and is headquartered in Florence, Oregon.

How the Company Makes Money

Oregon Pacific Bancorp generates revenue primarily through the interest income earned on loans and investments. The bank offers various types of loans, including commercial loans, residential mortgages, and consumer loans, which typically have higher interest rates compared to traditional savings accounts. Additionally, ORPB earns non-interest income through service fees, transaction fees, and other banking services. The bank may also engage in investment activities, generating returns from its securities portfolio. Strategic partnerships with local businesses and community organizations enhance its visibility and customer base, contributing to consistent revenue growth.

Oregon Pacific Bancorp Financial Statement Overview

Summary

Oregon Pacific Bancorp shows strong revenue growth and efficient cost management, with a stable balance sheet and consistent cash flow generation. However, slight declines in net profit margins and equity ratios suggest areas for improvement.

Income Statement

Oregon Pacific Bancorp has demonstrated consistent revenue growth over the years, with a notable increase from $16.6M in 2019 to $34.6M in 2024. The gross profit margin remains strong, reflecting efficient cost management. However, the net profit margin has slightly declined due to increased expenses, impacting overall profitability.

Balance Sheet

The company's balance sheet shows a solid equity base, with stockholders' equity growing from $37.4M in 2019 to $65.3M in 2024. The debt-to-equity ratio remains manageable, indicating prudent leverage use. However, the equity ratio has slightly decreased, suggesting a higher reliance on liabilities to finance assets.

Cash Flow

Oregon Pacific Bancorp's cash flow from operations is robust, supporting its free cash flow generation. The free cash flow has shown growth, although it fluctuates due to varying capital expenditures. The operating cash flow to net income ratio is healthy, indicating efficient cash conversion from profits.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	35.78M	34.57M	34.29M	30.42M	27.67M	24.02M
Gross Profit	35.78M	34.57M	34.32M	30.42M	27.67M	21.03M
EBITDA	14.23M	9.95M	-352.21K	11.16M	11.73M	6.76M
Net Income	7.76M	7.52M	9.23M	7.14M	7.80M	4.35M
Balance Sheet
Total Assets	805.26M	776.45M	761.53M	754.58M	692.13M	537.93M
Cash, Cash Equivalents and Short-Term Investments	0.00	9.52M	8.11M	10.66M	8.64M	7.79M
Total Debt	19.00M	29.72M	38.08M	20.25M	19.59M	5.18M
Total Liabilities	734.10M	711.16M	705.15M	708.49M	642.87M	495.66M
Stockholders Equity	71.16M	65.29M	56.38M	46.09M	49.26M	42.28M
Cash Flow
Free Cash Flow	0.00	8.60M	3.29M	9.74M	5.16M	5.55M
Operating Cash Flow	0.00	9.09M	7.89M	10.31M	8.78M	6.76M
Investing Cash Flow	0.00	-14.35M	-5.03M	-72.48M	-154.75M	-172.26M
Financing Cash Flow	0.00	6.67M	-5.42M	64.19M	146.83M	168.30M

Oregon Pacific Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 11.15
• 50DMA: Negative
• 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 ORPB, the sentiment is Negative. The current price of 11.15 is above the 20-day moving average (MA) of 11.04, above the 50-day MA of 11.06, and above the 200-day MA of 9.74, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 44.81 is Neutral, neither overbought nor oversold. The STOCH value of 55.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ORPB.

Oregon Pacific Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	73 Outperform	$94.14M	10.43	10.86%	2.18%	6.17%	-6.13%
FUSB	72 Outperform	$87.51M	15.18	5.50%	2.08%	1.03%	-35.72%
ORPB	71 Outperform	$76.74M	9.30	11.84%	―	8.45%	7.38%
UBCP	69 Neutral	$84.30M	10.34	10.91%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FNWB	46 Neutral	$89.89M	-19.60	-4.68%	2.88%	8.02%	21.36%
SSBI	45 Neutral	$88.46M	13.22	-1.41%	―	-0.81%	-129.22%