Oak Ridge Financial Services (BKOR) AI Stock Analysis

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Oak Ridge Financial Services

(Other OTC:BKOR)

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Rating:71Outperform

Price Target:$36.00▲(11.54% Upside)

Action:reiterated

Date:11/11/26

BKOR’s score is primarily supported by solid underlying financial performance (profitability and positive cash flow with manageable leverage), tempered by year-to-year volatility in revenue, margins, and ROE. Valuation is a meaningful positive (low P/E and a dividend), while technicals are mildly constructive but show signs of being closer to near-term elevated momentum than deeply oversold.

Positive Factors

Profitability and cash generationPositive earnings are supported by cash generation rather than accounting profits alone. Operating and free cash flow remained positive each year, while 2025 cash flow tracked net income reasonably well, supporting ongoing lending activity, capital needs, and shareholder returns.

Negative Factors

Uneven revenue performanceRevenue has not followed a consistent growth path, with contraction followed by a sharp rebound. That volatility reduces earnings visibility and makes it harder to determine how much recent improvement reflects durable expansion of the local banking franchise versus normalization from a weaker prior year.

Oak Ridge Financial Services (BKOR) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $90.01M
Dividend Yield: 1.86%
Average Volume (3M): 5,780
Price to Earnings (P/E): 11.2
Beta (1Y): 0.19
Revenue Growth: -3.72%
EPS Growth: 9.72%
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

The company primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest and fees collected on loans and other interest-earning assets (such as certain securities and...

Oak Ridge Financial Services Financial Statement Overview

Summary

Financial statements indicate solid profitability and positive cash generation with manageable leverage, but performance has been volatile: revenue and margins have been uneven across years, ROE has normalized from earlier peaks, and free cash flow growth has been inconsistent despite remaining positive.

Income Statement

74Positive

Balance Sheet

67Positive

Cash Flow

71Positive

Financial statement breakdown
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 Technical Analysis

Technical Analysis SentimentPositive

Last Price32.27

Price Trends

50DMA32.11Positive

100DMA31.77Positive

200DMA30.84Positive

Market Momentum

MACD0.07Negative

RSI55.21Neutral

STOCH77.33Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BKOR, the sentiment is Positive. The current price of 32.27 is above the 20-day moving average (MA) of 32.01, above the 50-day MA of 32.11, and above the 200-day MA of 30.84, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 55.21 is Neutral, neither overbought nor oversold. The STOCH value of 77.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BKOR.

Oak Ridge Financial Services Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

BKOR against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BKOR	71Outperform	$90.01M	11.24	10.88%	1.86%	-3.72%	9.72%
BOTJ	69Neutral	$116.63M	9.58	14.94%	1.58%	7.06%	52.33%
UBCP	69Neutral	$80.58M	10.66	11.35%	6.65%	6.48%	0.00%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FUSB	65Neutral	$83.59M	11.99	7.58%	1.69%	3.74%	43.52%
BYFC	51Neutral	$106.89M	-4.29	-7.74%	―	10.60%	-935.88%
FNWB	42Neutral	$94.51M	-1065.59	-0.03%	―	-6.23%	99.32%

* Financial Sector Average

Performance Comparison

BKOR and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
BKOR	Oak Ridge Financial Services	32.27	4.28	15.28%
BOTJ	Bank Of The James Financial Group, Inc.	25.39	8.71	52.25%
BYFC	Broadway Financial	11.72	5.47	87.60%
UBCP	United Bancorp	14.29	2.07	16.96%
FUSB	First Us Bancshares	16.55	2.90	21.25%
FNWB	First Northwest Bancorp	9.91	0.67	7.25%

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.

Date of analysis: Nov 11, 2026

Oak Ridge Financial Services AI Stock Analysis