Oregon Pacific Bancorp (ORPB)
OTHER OTC:ORPB
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Oregon Pacific Bancorp
(OTC:ORPB)
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Rating:70Outperform
Price Target:
$12.00
▲(7.62% Upside)
Action:ReiteratedDate:03/24/26
The score is led by solid financial performance (strong recent revenue growth, healthy profitability, and improving leverage) and supportive valuation (low P/E). These positives are partially offset by weak technical momentum (below key moving averages with negative MACD).
Positive Factors
2025 Revenue Acceleration
A ~36% revenue acceleration in 2025 signals durable top-line momentum from core banking activity (loan growth or higher yields). Sustained revenue expansion supports scale economics, underpins future net interest income, and provides a structural base for reinvestment and credit loss absorption.
Negative Factors
Margin Compression vs. Prior Peaks
Net margin contraction from prior highs suggests structural pressure on interest spreads or fee mix. If sustained, weaker margins erode return on equity and limit reinvestment. Competitive deposit pricing, yield curve shifts, or mix changes could keep margins below historical peaks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
2025 Revenue Acceleration
A ~36% revenue acceleration in 2025 signals durable top-line momentum from core banking activity (loan growth or higher yields). Sustained revenue expansion supports scale economics, underpins future net interest income, and provides a structural base for reinvestment and credit loss absorption.
Read all positive factors
Oregon Pacific Bancorp (ORPB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$77.09M
Dividend YieldN/A
Average Volume (3M)8.52K
Price to Earnings (P/E)7.6
Beta (1Y)0.17
Revenue Growth8.45%
EPS Growth7.38%
CountryUS
Employees148
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.37
Shares Outstanding7,008,125
10 Day Avg. Volume1,174
30 Day Avg. Volume8,515
Financial Highlights & Ratios
PEG Ratio0.66
Price to Book (P/B)1.04
Price to Sales (P/S)1.66
P/FCF Ratio8.35
Enterprise Value/Market Cap1.21
Enterprise Value/Revenue2.60
Enterprise Value/Gross Profit2.60
Enterprise Value/Ebitda6.53
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
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 ch...
How the Company Makes Money
ORPB generates earnings primarily through its banking subsidiary. The core revenue stream for a community bank is net interest income: the bank earns interest and fees on loans and other interest-earning assets (such as certain investment securiti...
Oregon Pacific Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 35.78M | 48.79M | 34.57M | 34.29M | 30.42M | 27.67M |
| Gross Profit | 35.78M | 37.22M | 34.57M | 34.32M | 30.42M | 27.67M |
| EBITDA | 14.23M | 11.41M | 9.95M | -352.21K | 11.16M | 11.73M |
| Net Income | 7.76M | 8.57M | 7.52M | 9.23M | 7.14M | 7.80M |
Balance Sheet | ||||||
| Total Assets | 805.26M | 812.22M | 776.45M | 761.53M | 754.58M | 692.13M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 11.72M | 9.52M | 8.11M | 10.66M | 8.64M |
| Total Debt | 19.00M | 28.35M | 29.72M | 38.08M | 20.25M | 19.59M |
| Total Liabilities | 734.10M | 734.40M | 711.16M | 705.15M | 708.49M | 642.87M |
| Stockholders Equity | 71.16M | 77.81M | 65.29M | 56.38M | 46.09M | 49.26M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 9.70M | 8.60M | 3.29M | 9.74M | 5.16M |
| Operating Cash Flow | 0.00 | 10.22M | 9.09M | 7.89M | 10.31M | 8.78M |
| Investing Cash Flow | 0.00 | -30.75M | -14.35M | -5.03M | -72.48M | -154.75M |
| Financing Cash Flow | 0.00 | 22.73M | 6.67M | -5.42M | 64.19M | 146.83M |
Oregon Pacific Bancorp Technical Analysis
Positive
11.15
Price Trends
10.99
Positive
10.98
Positive
10.21
Positive
Market Momentum
-0.01
Negative
54.48
Neutral
64.81
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 11.15 is above the 20-day moving average (MA) of 10.92, above the 50-day MA of 10.99, and above the 200-day MA of 10.21, indicating a bullish trend. The MACD of -0.01 indicates Negative momentum. The RSI at 54.48 is Neutral, neither overbought nor oversold. The STOCH value of 64.81 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
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 | $77.09M | 7.59 | 11.84% | ― | 8.45% | 7.38% | |
68 Neutral | $90.80M | 11.51 | 6.89% | ― | -0.81% | -129.22% | |
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% |
* Financial Sector Average
ORPB
Oregon Pacific Bancorp
10.90
3.30
43.42%
BOTJ
Bank Of The Jame Financial
22.23
8.34
60.08%
SSBI
Summit State Bank
13.69
5.54
67.91%
UBCP
United Bancorp
16.22
4.18
34.67%
FUSB
First US Bancshares
15.65
3.12
24.89%
FNWB
First Northwest Bancorp
9.57
-0.08
-0.84%
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.