Confident Investing Starts With TipRanks Premium

Get 55% Off
TipRanks
Go Ultimate55% OFF

Oak Ridge Financial Services (BKOR) Price & Analysis

BKOR Stock Chart & Stats

$31.95$0.05(0.16%)
At close: 4:00 PM EDT
$31.5$32$32.53 Aug18 Aug2 Sep15 Sep30 Sep9 Oct29 Oct
Day’s Range
$31.90 - $32.00
52-Week Range
$27.75 - $33.00
Previous Close
$31.90
Volume
15
Average Volume (3M)
4,416
Market Cap
$88.51M
Enterprise Value
$149.80M
Total Cash (Recent Filing)
$8.91M
Total Debt (Recent Filing)
$72.91M
Price to Earnings (P/E)
11.2
Beta
0.24
Next Earnings
Feb 04, 2027
EPS Estimate
N/A
Next Dividend Ex-Date
N/A
Dividend Yield
1.88%

Bulls Say, Bears Say

Bulls Say

Consistent Positive Cash Generation

Oak Ridge consistently generates positive operating and free cash flow, with 2025 OCF ~$8.8M and FCF ~$7.0M. Durable cash conversion (FCF roughly 0.79–0.97x of net income) supports capital needs, loan funding, and reinvestment over a multi‑quarter horizon, enhancing financial resilience.

Healthy Net Margins And Recurring Profitability

Net margins in the mid‑teens to high‑twenties indicate a structurally profitable regional banking franchise. Sustained profitability supports internal capital generation, underwriting flexibility and the ability to absorb cyclical credit losses, which is important for multi‑quarter stability.

Improved Balance Sheet And Equity Growth

The balance sheet shows moderate leverage (D/E ~0.70) and growing equity against a ~$660M asset base, indicating improved capitalization. This provides capacity for measured loan growth, loss absorption and regulatory headroom, strengthening the bank's structural ability to support customers and growth.

Bears Say

Revenue Growth Volatility

Revenue swings—decline in 2024 then a sharp 2025 rebound—signal inconsistent top‑line drivers and reduce visibility into future net interest and fee income. For a community bank, such volatility complicates credit underwriting, resource planning and steady capital allocation over the next several quarters.

Inconsistent FCF Growth And Weak Coverage Metrics

Although FCF is positive, growth has been uneven and recent coverage metrics are very low. This reduces the firm's margin for financing growth, dividend stability or unexpected losses, and represents a structural constraint on deploying cash without raising external funding during stress periods.

Normalized Returns Versus Prior Peaks

ROE declining from mid‑teens to ~11.2% indicates lower capital efficiency versus recent peaks. With leverage higher than its best years, the bank may face pressure to restore returns through higher risk or slower growth, which constrains long‑term shareholder return prospects absent strategic change.

Oak Ridge Financial Services News

BKOR FAQ

What was Oak Ridge Financial Services’s price range in the past 12 months?
Oak Ridge Financial Services lowest stock price was $27.75 and its highest was $33.00 in the past 12 months.
What is Oak Ridge Financial Services’s market cap?
Oak Ridge Financial Services’s market cap is $88.51M.
When is Oak Ridge Financial Services’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Oak Ridge Financial Services’s earnings last quarter?
Oak Ridge Financial Services released its earnings results on Jul 31, 2026. The company reported $0.785 earnings per share for the quarter.
Is Oak Ridge Financial Services overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
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 1.88%. 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 2,770,250 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 $0.785 in its last earnings report. Following the earnings report the stock price went same ―.
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