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BEO Bancorp
(OTC:BEOB)
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Rating:82Outperform
Price Target:
$123.00
▲(109.36% Upside)
Action:N/A
Date:01/04/26
The score is driven primarily by strong financial performance (growth, rising profitability, and low leverage with solid ROE) and an attractive valuation (low P/E with a modest dividend). Technicals add support with a clear uptrend and positive momentum, while cash-flow efficiency and operating margin inconsistencies temper the overall rating.
BEO Bancorp (BEOB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$161.63M
Dividend Yield1.52%
Average Volume (3M)63.00
Price to Earnings (P/E)10.2
Beta (1Y)0.19
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees83
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding2,409,132
10 Day Avg. Volume40
30 Day Avg. Volume63
Financial Highlights & Ratios
PEG Ratio-5.48
Price to Book (P/B)1.38
Price to Sales (P/S)2.23
P/FCF Ratio9.05
Enterprise Value/Market Cap0.84
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
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
BEO Bancorp Business Overview & Revenue Model
Company Description
BEO Bancorp operates as the parent holding company for the Bank of Eastern Oregon, providing a comprehensive suite of financial services. These offerings span commercial and consumer financing, general banking operations, and mortgage lending, pri...
BEO Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
72
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 59.32M | 52.88M | 51.01M | 36.97M | 33.57M |
| Gross Profit | 53.53M | 52.88M | 47.96M | 35.33M | 32.28M |
| EBITDA | 22.54M | 0.00 | 19.90M | 12.23M | 10.20M |
| Net Income | 16.19M | 16.52M | 14.27M | 8.68M | 7.01M |
Balance Sheet | |||||
| Total Assets | 959.21M | 867.60M | 861.27M | 890.66M | 822.35M |
| Cash, Cash Equivalents and Short-Term Investments | 4.84M | 34.06M | 66.59M | 173.59M | 287.27M |
| Total Debt | 7.82M | 8.83M | 12.53M | 15.83M | 15.97M |
| Total Liabilities | 863.03M | 786.76M | 797.17M | 840.67M | 774.42M |
| Stockholders Equity | 96.18M | 80.84M | 64.10M | 49.99M | 47.93M |
Cash Flow | |||||
| Free Cash Flow | 14.63M | 12.29M | 12.54M | 4.96M | 8.75M |
| Operating Cash Flow | 15.36M | 14.25M | 13.90M | 8.70M | 9.02M |
| Investing Cash Flow | -12.61M | -35.80M | -74.78M | -188.99M | -4.30M |
| Financing Cash Flow | 71.21M | -10.01M | -46.12M | 64.41M | 147.06M |
BEO Bancorp Technical Analysis
Positive
58.75
Price Trends
57.91
Positive
56.01
Positive
54.19
Positive
Market Momentum
2.39
Negative
76.26
Negative
100.00
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BEOB, the sentiment is Positive. The current price of 58.75 is below the 20-day moving average (MA) of 60.74, above the 50-day MA of 57.91, and above the 200-day MA of 54.19, indicating a bullish trend. The MACD of 2.39 indicates Negative momentum. The RSI at 76.26 is Negative, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BEOB.
BEO Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $161.63M | 10.15 | 18.29% | 1.70% | ― | ― | |
76 Outperform | $92.33M | 10.89 | 9.12% | 4.06% | 4.58% | 26.05% | |
75 Outperform | $135.09M | 15.32 | 6.50% | 2.09% | 5.96% | 49.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $101.67M | -81.35 | -1.08% | 2.50% | -7.07% | -307.72% |
* Financial Sector Average
BEOB
BEO Bancorp
65.63
21.26
47.93%
AUBN
Auburn National Bancorporation
26.25
1.45
5.83%
LSBK
Lake Shore Bancorp
17.16
4.79
38.75%
PBHC
Pathfinder Bancorp
16.27
1.64
11.23%
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.