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Oregon Pacific Bancorp
(OTC:ORPB)
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Rating:74Outperform
Price Target:
$13.50
▲(11.48% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by solid financial performance (strong recent revenue growth and improving leverage, despite margin and cash-flow variability). Technicals are supportive due to the uptrend, but elevated RSI suggests the move may be stretched. Valuation is a positive contributor given the low P/E.
Positive Factors
Revenue Acceleration
The sharp 2025 revenue rebound indicates renewed business momentum and stronger customer or loan activity. If sustained, this growth can expand the earnings base and support future operating leverage, although continued execution will be important.
Negative Factors
Margin Compression
The decline from prior peak margins suggests that profitability is less robust than in earlier periods. Persistent pressure from funding costs, loan yields, credit provisions, or operating expenses could limit how much revenue growth converts into earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Acceleration
The sharp 2025 revenue rebound indicates renewed business momentum and stronger customer or loan activity. If sustained, this growth can expand the earnings base and support future operating leverage, although continued execution will be important.
Read all positive factors
Oregon Pacific Bancorp (ORPB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$89.75M
Dividend YieldN/A
Average Volume (3M)8.52K
Price to Earnings (P/E)8.8
Beta (1Y)0.14
Revenue Growth8.48%
EPS Growth28.73%
CountryUS
Employees144
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.40
Shares Outstanding7,179,876
10 Day Avg. Volume1,174
30 Day Avg. Volume8,515
Financial Highlights & Ratios
PEG Ratio0.66
Price to Book (P/B)1.04
Price to Sales (P/S)1.66
P/FCF Ratio8.35
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 Pacific Bancorp Business Overview & Revenue Model
Company Description
Oregon Pacific Bancorp, acting as the holding company for Oregon Pacific Banking Company, delivers a comprehensive array of financial products and services to individual and business clientele within the United States. Its diverse deposit offering...
How the Company Makes Money
ORPB primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is earned from the spread between (1) interest income on loans and other interest-earning assets (such ...
Oregon Pacific Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 50.66M | 48.79M | 34.57M | 34.29M | 30.42M | 27.67M |
| Gross Profit | 39.51M | 37.22M | 34.57M | 34.32M | 30.42M | 27.67M |
| EBITDA | 13.45M | 12.39M | 11.08M | 13.31M | 11.16M | 11.73M |
| Net Income | 10.02M | 8.57M | 7.52M | 9.23M | 7.14M | 7.80M |
Balance Sheet | ||||||
| Total Assets | 825.57M | 812.22M | 776.45M | 761.53M | 754.58M | 692.13M |
| Cash, Cash Equivalents and Short-Term Investments | 12.00M | 11.72M | 9.52M | 8.11M | 10.66M | 8.64M |
| Total Debt | 26.60M | 28.35M | 29.72M | 38.08M | 20.25M | 19.59M |
| Total Liabilities | 743.00M | 734.40M | 711.16M | 705.15M | 708.49M | 642.87M |
| Stockholders Equity | 82.57M | 77.81M | 65.29M | 56.38M | 46.09M | 49.26M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 9.70M | 8.60M | 3.29M | 9.74M | 5.16M |
| Operating Cash Flow | 0.00 | 10.22M | 9.09M | 7.89M | 10.31M | 8.78M |
| Investing Cash Flow | 0.00 | -30.75M | -14.35M | -5.03M | -72.48M | -154.75M |
| Financing Cash Flow | 0.00 | 22.73M | 6.67M | -5.42M | 64.19M | 146.83M |
Oregon Pacific Bancorp Technical Analysis
Positive
12.11
Price Trends
11.76
Positive
11.44
Positive
11.20
Positive
Market Momentum
0.18
Positive
72.36
Negative
82.91
Negative
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 12.11 is below the 20-day moving average (MA) of 12.29, above the 50-day MA of 11.76, and above the 200-day MA of 11.20, indicating a bullish trend. The MACD of 0.18 indicates Positive momentum. The RSI at 72.36 is Negative, neither overbought nor oversold. The STOCH value of 82.91 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ORPB.
Oregon Pacific Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $121.77M | 10.56 | 14.30% | 1.49% | 6.20% | 60.60% | |
74 Outperform | $89.75M | 8.83 | 11.84% | ― | 8.48% | 28.73% | |
68 Neutral | $90.88M | 12.21 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $91.77M | 11.16 | 11.53% | 5.92% | 6.21% | 8.32% | |
53 Neutral | $87.35M | 37.85 | 2.22% | ― | -6.91% | ― | |
46 Neutral | $105.01M | 68.89 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
ORPB
Oregon Pacific Bancorp
12.40
2.90
30.53%
BOTJ
Bank Of The Jame Financial
26.72
11.56
76.25%
SSBI
Summit State Bank
12.87
1.35
11.72%
UBCP
United Bancorp
15.85
2.46
18.35%
FUSB
First US Bancshares
16.49
5.82
54.62%
FNWB
First Northwest Bancorp
11.07
3.37
43.77%
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.