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Oregon Bancorp
(OTC:ORBN)
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Rating:55Neutral
Price Target:
$41.00
▲(2.27% Upside)
Action:Reiterated
Date:07/23/26
The score is primarily held back by middling financial performance—multi-year revenue decline, meaningful margin compression, and volatility in leverage/cash flow—despite remaining profitable. Technicals are supportive due to a strong price trend, but an extremely overbought RSI increases near-term risk. Valuation further limits the score given the high P/E and only modest dividend yield.
Positive Factors
Adequate capitalization
Stable equity (~$73–77M) and a moderate 2025 debt-to-equity (~0.48) provide a durable capital cushion for a regional bank. This supports regulatory compliance, underwriting capacity and shock absorption, enabling steady lending and strategic flexibility over the medium term.
Negative Factors
Multi-year revenue decline
A persistent top-line decline since 2020, including a -5.1% drop in 2025, signals structural demand or competitive challenges. Sustained revenue erosion constrains scale economics, limits reinvestment capacity, and makes margin recovery and ROE improvement more difficult over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Adequate capitalization
Stable equity (~$73–77M) and a moderate 2025 debt-to-equity (~0.48) provide a durable capital cushion for a regional bank. This supports regulatory compliance, underwriting capacity and shock absorption, enabling steady lending and strategic flexibility over the medium term.
Read all positive factors
Oregon Bancorp (ORBN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$100.48M
Dividend Yield1.99%
Average Volume (3M)4.13K
Price to Earnings (P/E)32.6
Beta (1Y)-0.04
Revenue Growth2.31%
EPS Growth-4.17%
CountryUS
Employees30
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.23
Shares Outstanding2,501,098
10 Day Avg. Volume170
30 Day Avg. Volume4,128
Financial Highlights & Ratios
PEG Ratio-3.46
Price to Book (P/B)0.79
Price to Sales (P/S)1.77
P/FCF Ratio17.99
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
Oregon Bancorp Business Overview & Revenue Model
Company Description
Oregon Bancorp, Inc. operates as the bank holding company for Willamette Valley Bank that provides banking services to businesses and individuals. It operates through two segments, Community Banking and Home Mortgage Lending. The company offers ch...
How the Company Makes Money
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Oregon Bancorp Financial Statement Overview
Summary
Income Statement
55
Neutral
Balance Sheet
58
Neutral
Cash Flow
52
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 30.96M | 34.28M | 37.31M | 36.18M | 47.80M | 91.47M |
| Gross Profit | 23.22M | 26.05M | 27.93M | 32.02M | 46.92M | 90.35M |
| EBITDA | 3.80M | 4.33M | 4.76M | 5.18M | 9.40M | 29.82M |
| Net Income | 3.00M | 3.21M | 3.38M | 3.55M | 6.90M | 22.39M |
Balance Sheet | ||||||
| Total Assets | 465.42M | 452.24M | 470.02M | 395.42M | 401.95M | 411.66M |
| Cash, Cash Equivalents and Short-Term Investments | 41.27M | 32.41M | 42.54M | 24.23M | 78.78M | 72.11M |
| Total Debt | 24.00M | 37.00M | 57.09M | 1.90M | 2.46M | 2.17M |
| Total Liabilities | 389.29M | 375.73M | 396.55M | 322.44M | 328.82M | 336.11M |
| Stockholders Equity | 76.13M | 76.50M | 73.48M | 72.98M | 73.13M | 75.55M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 3.37M | 3.12M | 41.38M | 46.34M | 85.88M |
| Operating Cash Flow | 0.00 | 3.37M | 3.12M | 13.57M | 46.88M | 86.62M |
| Investing Cash Flow | 0.00 | 11.53M | -54.16M | -57.45M | -25.94M | -36.58M |
| Financing Cash Flow | 0.00 | -24.03M | 74.23M | -10.22M | -14.28M | -5.80M |
Oregon Bancorp Technical Analysis
Positive
40.09
Price Trends
34.86
Positive
30.75
Positive
28.07
Positive
Market Momentum
1.22
Positive
78.88
Negative
59.97
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ORBN, the sentiment is Positive. The current price of 40.09 is below the 20-day moving average (MA) of 40.14, above the 50-day MA of 34.86, and above the 200-day MA of 28.07, indicating a neutral trend. The MACD of 1.22 indicates Positive momentum. The RSI at 78.88 is Negative, neither overbought nor oversold. The STOCH value of 59.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ORBN.
Oregon Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $113.60M | 5.17 | 16.39% | ― | 24.01% | 20.16% | |
76 Outperform | $73.93M | 12.03 | 10.69% | 2.53% | 7.71% | 60.72% | |
73 Outperform | $82.01M | 9.78 | 7.13% | 2.76% | 4.91% | 127.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $50.95M | 14.55 | 6.14% | 1.30% | 5.94% | 51.02% | |
55 Neutral | $100.48M | 32.56 | 3.95% | 2.00% | 2.31% | -4.17% |
* Financial Sector Average
ORBN
Oregon Bancorp
40.12
21.92
120.52%
ASRV
Ameriserv Financial
4.96
2.03
69.23%
HFBL
Home Federal Bancorp Of Louisiana
24.30
11.46
89.21%
OPHC
Optimumbank Holdings
8.95
4.71
111.08%
TCBS
Texas Community
17.46
1.38
8.58%
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.