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Oak Ridge Financial Services
(OTC:BKOR)
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Rating:74Outperform
Price Target:
$36.00
▲(15.20% Upside)
Action:Reiterated
Date:08/10/26
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.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Oak Ridge Financial Services (BKOR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$88.81M
Dividend Yield1.85%
Average Volume (3M)3.57K
Price to Earnings (P/E)11.2
Beta (1Y)0.18
Revenue Growth-0.13%
EPS Growth14.86%
CountryUS
Employees98
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.86
Shares Outstanding2,770,250
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
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 ...
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 intere...
Oak Ridge Financial Services Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
67
Positive
Cash Flow
71
Positive
| 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 | 0.00 | 7.00M | 5.38M | 7.07M | 8.86M | 7.56M |
| Operating Cash Flow | 0.00 | 8.82M | 6.48M | 7.30M | 9.31M | 7.93M |
| Investing Cash Flow | 0.00 | 5.89M | -43.87M | -57.93M | -47.65M | 19.88M |
| Financing Cash Flow | 0.00 | -13.49M | 38.14M | 20.70M | 606.00K | 38.93M |
Oak Ridge Financial Services Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $121.40M | 10.62 | 14.30% | 1.49% | 6.20% | 60.60% | |
74 Outperform | $88.81M | 11.21 | 11.87% | 1.85% | -0.13% | 14.86% | |
68 Neutral | $90.77M | 12.11 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $90.91M | 11.06 | 11.53% | 5.92% | 6.21% | 8.32% | |
51 Neutral | $111.81M | -4.45 | -7.74% | ― | 10.60% | -935.88% | |
46 Neutral | $105.29M | 69.32 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
BKOR
Oak Ridge Financial Services
32.52
7.13
28.07%
BOTJ
Bank Of The Jame Financial
26.86
11.70
77.18%
BYFC
Broadway Financial
12.05
4.06
50.78%
UBCP
United Bancorp
15.71
2.32
17.30%
FUSB
First US Bancshares
16.35
5.69
53.31%
FNWB
First Northwest Bancorp
11.14
3.44
44.68%
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.