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Oregon Bancorp (ORBN) AI Stock Analysis
Oregon Bancorp
(Other OTC:ORBN)
The score is driven primarily by middling financial performance: profitability remains positive but revenue and margins have weakened versus prior years, with added variability in leverage and cash flow. Technicals are somewhat supportive with price above longer-term moving averages and moderate momentum. Valuation is a headwind due to a high P/E and only modest dividend yield.
Oregon Bancorp (ORBN) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $99.70M
- Dividend Yield
- 1.99%
- Average Volume (3M)
- 1,274
- Price to Earnings (P/E)
- 38.8
- Beta (1Y)
- -0.06
- Revenue Growth
- -1.21%
- EPS Growth
- -21.86%
- Country
- US
- Employees
- 30
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 check...
Oregon Bancorp Financial Statement Overview
Summary
Profitable but cooling: revenue has generally trended down since 2020 (including -5.1% in 2025) and net margin compressed materially from ~25%–27% (2020–2021) to ~9%–10% (2023–2025). Balance sheet is adequately capitalized with manageable 2025 leverage (debt-to-equity ~0.48) but leverage and cash flow have been notably volatile across years, and ROE is modest (~4%–5% in 2024–2025).
Income Statement
55NeutralBalance Sheet
58NeutralCash Flow
52Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 28.78M | 34.28M | 37.31M | 36.18M | 47.80M | 91.47M |
| Gross Profit | 21.21M | 26.05M | 27.93M | 32.02M | 46.92M | 90.35M |
| EBITDA | 3.30M | 4.33M | 4.76M | 5.18M | 9.40M | 29.82M |
| Net Income | 2.61M | 3.21M | 3.38M | 3.55M | 6.90M | 22.39M |
Balance Sheet | ||||||
| Total Assets | 465.79M | 452.24M | 470.02M | 395.42M | 401.95M | 411.66M |
| Cash, Cash Equivalents and Short-Term Investments | 42.48M | 32.41M | 42.54M | 24.23M | 78.78M | 72.11M |
| Total Debt | 22.00M | 37.00M | 57.09M | 1.90M | 2.46M | 2.17M |
| Total Liabilities | 391.22M | 375.73M | 396.55M | 322.44M | 328.82M | 336.11M |
| Stockholders Equity | 74.57M | 76.50M | 73.48M | 72.98M | 73.13M | 75.55M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 3.37M | 3.12M | 41.38M | 46.34M | 85.88M |
| Operating Cash Flow | 0 | 3.37M | 3.12M | 13.57M | 46.88M | 86.62M |
| Investing Cash Flow | 0 | 11.53M | -54.16M | -57.45M | -25.94M | -36.58M |
| Financing Cash Flow | 0 | -24.03M | 74.23M | -10.22M | -14.28M | -5.80M |
Oregon Bancorp Technical Analysis
Price Trends
Market Momentum
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 40.45 is above the 20-day moving average (MA) of 40.10, above the 50-day MA of 39.98, and above the 200-day MA of 31.15, indicating a bullish trend. The MACD of 0.18 indicates Negative momentum. The RSI at 63.37 is Neutral, neither overbought nor oversold. The STOCH value of 40.07 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
Overall Rating
OPHC83Outperform
ASRV70Outperform
TCBS65Neutral
HFBL64Neutral- ORBN56Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPHC | 83Outperform | $115.50M | 5.29 | 16.39% | ― | 24.01% | 20.16% |
| ASRV | 70Outperform | $83.42M | 9.14 | 7.48% | 2.44% | 2.43% | 75.47% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TCBS | 65Neutral | $49.87M | 14.34 | 6.14% | 1.44% | 5.94% | 51.02% |
| HFBL | 64Neutral | $69.25M | 10.68 | 11.12% | 2.49% | 7.94% | 43.98% |
| ORBN | 56Neutral | $100.61M | 38.75 | 3.44% | 1.99% | -1.21% | -21.86% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| ORBN | Oregon Bancorp | 40.45 | 18.09 | 80.90% | |
| ASRV | AmeriServ Financial, Inc. | 4.63 | 1.62 | 53.82% | |
| HFBL | Home Federal Bancorp Inc. Of Louisiana | 23.11 | 7.66 | 49.54% | |
| OPHC | Optimumbank | 9.27 | 5.25 | 130.60% | |
| TCBS | Texas Community Bancshares, Inc. | 17.25 | 1.46 | 9.24% |
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: Oct 23, 2026