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Oak Ridge Financial Services (BKOR) Price & Analysis

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BKOR Stock Chart & Stats

$29.66

$0.05(0.24%)

At close: Jan 07 4:00 PM EST

$29.66

$0.05(0.24%)

Day’s Range― - ―

52-Week Range$22.50 - $31.50

Previous CloseN/A

Volume100.00

Average Volume (3M)3.57K

Market Cap

$82.62M

Enterprise Value$114.55M

Total Cash (Recent Filing)$7.93M

Total Debt (Recent Filing)$37.49M

Price to Earnings (P/E)10.9

Beta0.08

Next Earnings

Aug 04, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1.85%

Share Statistics

EPS (TTM)2.88

Shares Outstanding2,643,945

10 Day Avg. Volume1,455

30 Day Avg. Volume3,574

Financial Highlights & Ratios

PEG Ratio0.24

Price to Book (P/B)1.14

Price to Sales (P/S)1.84

P/FCF Ratio11.63

Enterprise Value/Market Cap1.39

Enterprise Value/Revenue2.86

Enterprise Value/Gross Profit3.94

Enterprise Value/Ebitda11.28

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

Bulls Say, Bears Say

Bulls Say

Business Model: Deposit + Lending + FeesOak Ridge’s classic community-bank model generates revenue from net interest margins plus recurring fee income. That mix supports diversified, stable cash flows over time: local deposit funding and lending relationships create durable NII and fee streams less dependent on one product or partner.

Consistent Cash GenerationPositive OCF and FCF across years indicate the company actually converts earnings into cash, supporting capital needs, dividends and loan growth. FCF tracking net income (~0.79–0.97x) signals underlying earnings are backed by cash, improving financial resilience over the medium term.

Generally Sound Balance SheetA growing equity base and a manageable leverage profile provide capacity to absorb credit stress and support lending activity. Assets near $660M with improving leverage versus 2022 suggest the bank has structural capital strength to sustain growth and regulatory compliance over months.

Bears Say

Volatile Revenue And MarginsSharp swings in revenue and margin reduce earnings visibility and complicate planning for loan provisioning and capital allocation. For a regional bank, inconsistent top-line trends make forecasting credit costs and interest income riskier, undermining medium-term profit predictability.

Elevated Leverage Versus Best LevelsLeverage that sits above prior low points limits financial flexibility and amplifies earnings sensitivity to credit losses or rate shifts. While manageable today, a higher debt-to-equity ratio increases capital strain during stress and can constrain growth or dividend policy over the medium term.

Normalized, Lower ROEA lower, normalized ROE suggests the bank is generating more modest returns on equity than in prior peak years. Persistently subdued ROE can limit retained-earnings growth and shareholder return capacity, making it harder to rebuild capital buffers or finance expansion without issuing equity.

BKOR FAQ

What was Oak Ridge Financial Services’s price range in the past 12 months?

Oak Ridge Financial Services lowest stock price was $22.50 and its highest was $31.50 in the past 12 months.

What is Oak Ridge Financial Services’s market cap?

Oak Ridge Financial Services’s market cap is $82.62M.

When is Oak Ridge Financial Services’s upcoming earnings report date?

Oak Ridge Financial Services’s upcoming earnings report date is Aug 04, 2026 which is in 8 days.

How were Oak Ridge Financial Services’s earnings last quarter?

Oak Ridge Financial Services released its earnings results on May 04, 2026. The company reported $0.532 earnings per share for the quarter, beating the consensus estimate of N/A by $0.532.

Is Oak Ridge Financial Services overvalued?

According to Wall Street analysts Oak Ridge Financial Services’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Oak Ridge Financial Services pay dividends?

Oak Ridge Financial Services pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 1.85%. See more information on Oak Ridge Financial Services dividends here

What is Oak Ridge Financial Services’s EPS estimate?

Oak Ridge Financial Services’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Oak Ridge Financial Services have?

Oak Ridge Financial Services has 2,643,945 shares outstanding.

What happened to Oak Ridge Financial Services’s price movement after its last earnings report?

Oak Ridge Financial Services reported an EPS of $0.532 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.399%.

Which hedge fund is a major shareholder of Oak Ridge Financial Services?

Currently, no hedge funds are holding shares in BKOR

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Oak Ridge Financial Services Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

1.85%

Trailing 12-Months

Asset Growth

-0.64%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Oak Ridge Financial Services

Oak Ridge Financial Services, Inc. operates as the parent company for Bank of Oak Ridge, offering a comprehensive array of banking and financial services to both individual consumers and businesses. Its core product suite includes various deposit accounts such as checking, savings, and money market options, along with overdraft protection. For financing, the bank provides a diverse range of lending solutions, including auto, home equity, and mortgage loans, as well as business term and SBA-backed financing, complemented by flexible business lines of credit and credit cards. Customers also benefit from modern digital banking solutions, accessible online and via mobile devices. Beyond traditional banking, Oak Ridge Financial Services, Inc. offers specialized services like health savings accounts (HSAs), identity theft protection, wealth management, cash management solutions, and remote deposit capture. The company further extends its portfolio with an extensive selection of insurance products, covering everything from auto, home, and small business needs to renters, life, boat, watercraft, classic car, motorcycle, flood, pet, and umbrella policies. Operations are conducted through a network of physical branches situated in Oak Ridge, Greensboro, and Summerfield, North Carolina. Established in 2000, the company's headquarters are located in Oak Ridge, North Carolina.