Oregon Pacific Bancorp (ORPB) AI Stock Analysis

• Market Cap: $55.85M
• Dividend Yield: N/A
• Average Volume (3M): 899.00
• Price to Earnings (P/E): 7.5
• Beta (1Y): 0.28
• Revenue Growth: 11.11%
• EPS Growth: -9.78%
• Country: US
• Employees: 148
• Sector: Financial
• Sector Strength: 83
• Industry: Banks - Regional
• EPS (TTM): 1.06
• Shares Outstanding: 7,008,125
• 10 Day Avg. Volume: 314
• 30 Day Avg. Volume: 899
• PEG Ratio: 3.97
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.31
• Enterprise Value/Revenue: 0.46
• Enterprise Value/Gross Profit: 1.72
• Enterprise Value/Ebitda: 5.16
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: $9.00 ▲(12.92%Upside)

Oregon Pacific Bancorp's overall score reflects its strong financial performance and favorable valuation. The technical analysis suggests stability with a slight bullish trend. Key concerns include declining net income and increasing liabilities, but these are offset by strong revenue growth and a solid equity base.

Oregon Pacific Bancorp Business Overview & Revenue Model

Company Description

Oregon Pacific Bancorp (ORPB) is a financial services holding company headquartered in the United States. It primarily operates through its subsidiary, Oregon Pacific Bank, which provides a range of banking services to individuals, businesses, and non-profit organizations. The bank offers products such as checking and savings accounts, loans, and investment services, with a focus on delivering personalized customer service and community banking solutions.

How the Company Makes Money

Oregon Pacific Bancorp makes money through various revenue streams typical of a community bank. The primary source of income is the interest margin, which is the difference between the interest earned on loans and the interest paid on deposits. The bank extends loans to individuals and businesses, including personal loans, commercial loans, and real estate loans. It also earns fees from transaction-based activities, including account maintenance fees, ATM fees, and service charges. Additionally, Oregon Pacific Bancorp may generate revenue from investment advisory services and the sale of investment products. The bank's earnings are influenced by factors such as interest rate fluctuations, loan demand, and economic conditions in the regions it serves.

Oregon Pacific Bancorp Financial Statement Overview

Summary

Oregon Pacific Bancorp demonstrates solid financial health with strong revenue growth and an improving equity base. While there are positive trends in cash flow generation, the decline in net income and increasing liabilities warrant attention. The overall financial performance is robust, with effective management of income and balance sheet, although maintaining profitability and managing debt levels are key areas to focus on.

Income Statement

Oregon Pacific Bancorp's income statement reflects consistent revenue growth, with a notable increase in total revenue from $16.6M in 2019 to $34.6M in 2024. Gross profit margins remain stable as gross profit equals total revenue. However, there is a declining trend in net income from $9.2M in 2023 to $7.5M in 2024, impacting the net profit margin. The EBIT margin has shown improvement over the years, indicating operational efficiency.

Balance Sheet

The company's balance sheet shows a healthy equity position with stockholders' equity growing from $37.3M in 2019 to $65.3M in 2024. The debt-to-equity ratio is moderate, showing an increase in leverage over the years but still within reasonable limits. The equity ratio has improved, indicating a strong capital base, although the increase in total liabilities requires careful monitoring.

Cash Flow

Operating cash flow has shown resilience with an upward trend, reaching $9.1M in 2024. Free cash flow growth has also been positive, although it fluctuates year over year. The operating cash flow to net income ratio is above 1, indicating strong cash generation ability relative to net income. However, investing cash flow remains negative, reflecting ongoing investments or asset purchases.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
34.57M	34.29M	30.42M	27.67M	24.02M
	Gross Profit
34.57M	34.32M	30.42M	27.67M	24.02M
	EBIT
14.08M	16.38M	9.71M	10.79M	6.01M
	EBITDA
9.95M	-352.21K	11.16M	11.73M	6.76M
	Net Income Common Stockholders
7.52M	9.23M	7.14M	7.80M	4.35M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
9.52M	8.11M	10.66M	8.64M	7.79M
	Total Assets
776.45M	761.53M	754.58M	692.13M	537.93M
	Total Debt
26.45M	18.85M	20.25M	19.59M	5.18M
	Net Debt
16.93M	10.75M	9.59M	10.95M	-2.61M
	Total Liabilities
711.16M	705.15M	708.49M	642.87M	495.66M
	Stockholders Equity
65.29M	56.38M	46.09M	49.26M	42.28M
Cash Flow		Free Cash Flow
8.60M	3.29M	9.74M	5.16M	5.55M
	Operating Cash Flow
9.09M	7.89M	10.31M	8.78M	6.76M
	Investing Cash Flow
-14.35M	-5.03M	-72.48M	-154.75M	-172.26M
	Financing Cash Flow
6.67M	-5.42M	64.19M	146.83M	168.30M

Oregon Pacific Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 7.97
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ORPB, the sentiment is Positive. The current price of 7.97 is above the 20-day moving average (MA) of 7.94, above the 50-day MA of 7.86, and above the 200-day MA of 7.85, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 51.74 is Neutral, neither overbought nor oversold. The STOCH value of 55.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ORPB.

Oregon Pacific Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ORPB	74 Outperform	$55.85M	7.48	12.06%	―	11.11%	-9.78%
Sector *	64 Neutral	$12.80B	9.71	7.59%	16985.66%	12.07%	-7.53%
BAFN	63 Neutral	$63.34M	6.87	10.87%	2.09%	8.22%	112.31%
CFSB	60 Neutral	$89.39M	―	>-0.01%	―	13.69%	77.14%
BYFC	52 Neutral	$58.16M	158.72	0.57%	―	11.84%	-120.17%
SSBI	52 Neutral	$64.83M	10.38	-3.20%	4.12%	-3.54%	-138.07%