Oregon Pacific Bancorp (ORPB) AI Stock Analysis

• Market Cap: $59.15M
• Dividend Yield: N/A
• Average Volume (3M): 2.05K
• Price to Earnings (P/E): 7.9
• Beta (1Y): 0.23
• Revenue Growth: 9.23%
• EPS Growth: -3.89%
• Country: US
• Employees: 148
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.28
• Shares Outstanding: 7,008,125
• 10 Day Avg. Volume: 70
• 30 Day Avg. Volume: 2,049
• PEG Ratio: 3.82
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.20
• Enterprise Value/Revenue: 0.45
• Enterprise Value/Gross Profit: 1.67
• Enterprise Value/Ebitda: 5.01
• 1Y Price Target: $8.50
• Price Target Upside: -0.47% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 77 Outperform
• Price Target: $9.50 ▲(11.24%Upside)

Oregon Pacific Bancorp's stock is rated highly due to its strong valuation, supported by a low P/E ratio, indicating potential undervaluation. The technical analysis shows positive momentum, reinforcing the stock's attractiveness. Financial performance is solid, with consistent revenue growth and efficient cost management, though attention to net profit margins and equity ratios is advisable.

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 its subsidiary, Oregon Pacific Bank. The company earns money through various channels, including interest income from loans and mortgages offered to individuals and businesses. Additionally, it earns non-interest income from service fees associated with deposit accounts, transaction processing, and other banking services. Investment-related services, such as wealth management and trust services, also contribute to its revenue stream. The bank's focus on local communities and personalized customer service helps in building long-term customer relationships, which is crucial for sustaining its revenue growth.

Oregon Pacific Bancorp Financial Statement Overview

Summary

Oregon Pacific Bancorp demonstrates solid financial health with strong revenue growth and an improving equity base. While there are positive trends in cash flow generation, the decline in net income and increasing liabilities warrant attention. The overall financial performance is robust, with effective management of income and balance sheet, although maintaining profitability and managing debt levels are key areas to focus on.

Income Statement

Oregon Pacific Bancorp's income statement reflects consistent revenue growth, with a notable increase in total revenue from $16.6M in 2019 to $34.6M in 2024. Gross profit margins remain stable as gross profit equals total revenue. However, there is a declining trend in net income from $9.2M in 2023 to $7.5M in 2024, impacting the net profit margin. The EBIT margin has shown improvement over the years, indicating operational efficiency.

Balance Sheet

The company's balance sheet shows a healthy equity position with stockholders' equity growing from $37.3M in 2019 to $65.3M in 2024. The debt-to-equity ratio is moderate, showing an increase in leverage over the years but still within reasonable limits. The equity ratio has improved, indicating a strong capital base, although the increase in total liabilities requires careful monitoring.

Cash Flow

Operating cash flow has shown resilience with an upward trend, reaching $9.1M in 2024. Free cash flow growth has also been positive, although it fluctuates year over year. The operating cash flow to net income ratio is above 1, indicating strong cash generation ability relative to net income. However, investing cash flow remains negative, reflecting ongoing investments or asset purchases.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	34.57M	34.29M	30.42M	27.67M	24.02M
Gross Profit	34.57M	34.32M	30.42M	27.67M	24.02M
EBITDA	9.95M	-352.21K	11.16M	11.73M	6.76M
Net Income	7.52M	9.23M	7.14M	7.80M	4.35M
Balance Sheet
Total Assets	776.45M	761.53M	754.58M	692.13M	537.93M
Cash, Cash Equivalents and Short-Term Investments	9.52M	8.11M	10.66M	8.64M	7.79M
Total Debt	26.45M	18.85M	20.25M	19.59M	5.18M
Total Liabilities	711.16M	705.15M	708.49M	642.87M	495.66M
Stockholders Equity	65.29M	56.38M	46.09M	49.26M	42.28M
Cash Flow
Free Cash Flow	8.60M	3.29M	9.74M	5.16M	5.55M
Operating Cash Flow	9.09M	7.89M	10.31M	8.78M	6.76M
Investing Cash Flow	-14.35M	-5.03M	-72.48M	-154.75M	-172.26M
Financing Cash Flow	6.67M	-5.42M	64.19M	146.83M	168.30M

Oregon Pacific Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 8.54
• 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 ORPB, the sentiment is Positive. The current price of 8.54 is above the 20-day moving average (MA) of 8.33, above the 50-day MA of 8.06, and above the 200-day MA of 7.95, indicating a bullish trend. The MACD of 0.14 indicates Positive momentum. The RSI at 60.65 is Neutral, neither overbought nor oversold. The STOCH value of 72.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ORPB.

Oregon Pacific Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ORPB	77 Outperform	$59.15M	7.89	11.84%	―	9.23%	-3.89%
Sector *	64 Neutral	€12.83B	12.53	6.83%	3.88%	14.73%	10.24%
BYFC	60 Neutral	$74.81M	158.72	0.10%	―	11.84%	-162.63%
SSBI	58 Neutral	$80.12M	10.38	-1.64%	3.22%	-0.03%	-126.57%
FSEA	―	$54.22M	―	-0.80%	―	―	―
BAFN	61 Neutral	$62.55M	8.77	8.93%	2.34%	7.07%	96.94%
CFSB	54 Neutral	$91.03M	―	>-0.01%	―	13.69%	77.14%