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BEO Bancorp (BEOB) AI Stock Analysis
BEO Bancorp
(Other OTC:BEOB)
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
- $151.55M
- Dividend Yield
- 1.61%
- Average Volume (3M)
- 499
- Price to Earnings (P/E)
- 9.4
- Beta (1Y)
- 0.25
- Revenue Growth
- ―
- EPS Growth
- ―
- Country
- US
- Employees
- 83
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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, primar...
BEO Bancorp Financial Statement Overview
Summary
Strong fundamentals overall: consistent revenue growth and improving net profitability (net margin ~31% in 2024) alongside a conservatively positioned balance sheet with low and improving leverage (debt-to-equity ~0.11) and solid ROE (~20%). Offsets include modest cash conversion (operating cash flow ~5% of revenue) with slightly lower free cash flow in 2024, plus an inconsistency flagged by negative reported operating margins in 2023–2024 despite positive net income.
Income Statement
78PositiveBalance Sheet
86Very PositiveCash Flow
72Positive| 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 | 22.70M | 0 | 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
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BEOB, the sentiment is Neutral. The current price of 62.28 is below the 20-day moving average (MA) of 62.88, below the 50-day MA of 63.88, and above the 200-day MA of 57.74, indicating a neutral trend. The MACD of -0.24 indicates Negative momentum. The RSI at 46.37 is Neutral, neither overbought nor oversold. The STOCH value of 6.70 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BEOB.
BEO Bancorp Peers Comparison
Overall Rating
- BEOB82Outperform
AUBN77Outperform
LSBK75Outperform
PBHC58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BEOB | 82Outperform | $150.04M | 9.44 | 18.29% | 1.61% | ― | ― |
| AUBN | 77Outperform | $90.59M | 10.44 | 9.42% | 4.15% | -1.64% | 21.56% |
| LSBK | 75Outperform | $145.41M | 16.69 | 7.78% | 1.93% | 4.31% | 24.16% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PBHC | 58Neutral | $106.74M | -26.87 | -1.08% | 2.39% | -7.07% | -307.72% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BEOB | BEO Bancorp | 62.28 | 12.28 | 24.56% | |
| AUBN | Auburn National Bancorporation | 26.00 | 1.56 | 6.40% | |
| LSBK | Lake Shore Bancorp | 18.69 | 4.83 | 34.80% | |
| PBHC | Pathfinder | 17.00 | 2.32 | 15.77% |
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.
Date of analysis: Jan 04, 2026