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Oak Ridge Financial Services (BKOR) AI Stock Analysis
Oak Ridge Financial Services
(Other OTC:BKOR)
BKOR scores well primarily due to solid underlying financial performance (profitability and cash flow remain positive despite variability) and supportive technical conditions (price above key moving averages with positive MACD). Valuation also helps, with a reasonable P/E and a modest dividend yield.
Oak Ridge Financial Services (BKOR) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $87.49M
- Dividend Yield
- 1.88%
- Average Volume (3M)
- 6,164
- Price to Earnings (P/E)
- 11.2
- Beta (1Y)
- 0.24
- Revenue Growth
- -0.13%
- EPS Growth
- 14.86%
- Country
- US
- Employees
- 98
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Oak Ridge Financial Services Business Overview & Revenue Model
Company Description
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 acc...
How the Company Makes Money
Oak Ridge Financial Services primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is generated from interest earned on loans and other interest-earning assets (e.g., investment securities and interest-...
Oak Ridge Financial Services Financial Statement Overview
Summary
Financial statements indicate solid profitability and positive cash generation, but with notable variability. Income statement strength (Score 74) reflects healthy net margins and a strong 2025 rebound, while the balance sheet (Score 67) is generally sound with moderate leverage and ROE that has normalized from prior peaks. Cash flow (Score 71) remains positive with free cash flow broadly backing earnings, though growth has been inconsistent and recent coverage metrics suggest weaker conversion versus obligations.
Income Statement
74PositiveBalance Sheet
67PositiveCash Flow
71Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 43.14M | 44.28M | 25.64M | 35.36M | 28.09M | 27.39M |
| Gross Profit | 29.19M | 29.36M | 25.64M | 25.97M | 25.70M | 25.03M |
| EBITDA | 10.06M | 11.63M | 8.47M | 8.81M | 9.95M | 11.28M |
| Net Income | 7.85M | 8.01M | 5.67M | 5.74M | 6.66M | 7.76M |
Balance Sheet | ||||||
| Total Assets | 660.64M | 660.24M | 663.68M | 619.39M | 589.28M | 586.92M |
| Cash, Cash Equivalents and Short-Term Investments | 8.91M | 8.84M | 21.18M | 20.43M | 50.36M | 88.08M |
| Total Debt | 72.91M | 47.58M | 40.23M | 38.66M | 49.75M | 20.39M |
| Total Liabilities | 586.32M | 588.95M | 600.69M | 561.05M | 536.64M | 535.59M |
| Stockholders Equity | 74.31M | 71.29M | 62.99M | 58.35M | 52.64M | 51.33M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 7.00M | 5.38M | 7.07M | 8.86M | 7.56M |
| Operating Cash Flow | 0 | 8.82M | 6.48M | 7.30M | 9.31M | 7.93M |
| Investing Cash Flow | 0 | 5.89M | -43.87M | -57.93M | -47.65M | 19.88M |
| Financing Cash Flow | 0 | -13.49M | 38.14M | 20.70M | 606.00K | 38.93M |
Oak Ridge Financial Services Peers Comparison
Overall Rating
- BKOR74Outperform
FUSB73Outperform
BOTJ69Neutral
UBCP69Neutral
BYFC51Neutral
FNWB44Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BKOR | 74Outperform | $88.51M | 11.15 | 10.97% | 1.88% | -0.13% | 14.86% |
| FUSB | 73Outperform | $90.83M | 11.96 | 7.58% | 1.70% | 3.80% | 43.33% |
| BOTJ | 69Neutral | $107.95M | 8.97 | 14.94% | 1.68% | 7.06% | 52.33% |
| UBCP | 69Neutral | $81.21M | 9.97 | 11.53% | 6.71% | 6.21% | 8.32% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BYFC | 51Neutral | $106.33M | -4.23 | -7.74% | ― | 10.60% | -935.88% |
| FNWB | 44Neutral | $97.30M | -1100.00 | -0.03% | ― | -6.23% | 99.73% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BKOR | Oak Ridge Financial Services | 31.95 | 4.60 | 16.80% | |
| BOTJ | Bank Of The James Financial Group, Inc. | 23.76 | 7.07 | 42.39% | |
| BYFC | Broadway Financial | 11.46 | 5.06 | 79.06% | |
| UBCP | United Bancorp | 14.16 | 1.86 | 15.09% | |
| FUSB | First Us Bancshares | 16.50 | 3.49 | 26.82% | |
| FNWB | First Northwest Bancorp | 10.23 | 1.23 | 13.67% |
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: Aug 09, 2026