Oregon Pacific Bancorp AI Stock Analysis
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Oregon Pacific Bancorp (ORPB) AI Stock Analysis
Oregon Pacific Bancorp
(Other OTC:ORPB)
The overall score of 75 reflects a company with strong financial fundamentals, including high cash flow generation and a conservative balance sheet. The stock's positive technical trend and low valuation further support the score. The primary risk is the noted softening of profit margins, which prevents a higher rating.
Oregon Pacific Bancorp (ORPB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $92.26M
- Dividend Yield
- ―
- Average Volume (3M)
- 3,538
- Price to Earnings (P/E)
- 8.7
- Beta (1Y)
- 0.11
- Revenue Growth
- 7.68%
- EPS Growth
- 29.55%
- Country
- US
- Employees
- 149
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 offerings f...
How the Company Makes Money
ORPB primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income, while managing operating costs and credit risk. Net interest income is typically the largest earnings driver for a com...
Oregon Pacific Bancorp Financial Statement Overview
Summary
Oregon Pacific Bancorp shows strong financial health with robust revenue growth (36% YoY), a conservative debt-to-equity ratio of 0.34, and excellent free cash flow conversion (95%). Profit margins have softened slightly, but overall performance is solid.
Income Statement
76PositiveBalance Sheet
82Very PositiveCash Flow
84Very Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 51.38M | 48.79M | 34.57M | 34.29M | 30.42M | 27.67M |
| Gross Profit | 40.89M | 37.22M | 34.57M | 34.32M | 30.42M | 27.67M |
| EBITDA | 14.17M | 12.38M | 11.08M | 13.31M | 11.16M | 11.73M |
| Net Income | 10.55M | 8.57M | 7.52M | 9.23M | 7.14M | 7.80M |
Balance Sheet | ||||||
| Total Assets | 830.63M | 812.22M | 776.45M | 761.53M | 754.58M | 692.13M |
| Cash, Cash Equivalents and Short-Term Investments | 3.01M | 11.72M | 9.52M | 8.11M | 10.66M | 8.64M |
| Total Debt | 11.62M | 28.35M | 29.72M | 38.08M | 20.25M | 19.59M |
| Total Liabilities | 747.54M | 734.40M | 711.16M | 705.15M | 708.49M | 642.87M |
| Stockholders Equity | 83.10M | 77.81M | 65.29M | 56.38M | 46.09M | 49.26M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 9.70M | 8.60M | 3.29M | 9.74M | 5.16M |
| Operating Cash Flow | 0 | 10.22M | 9.09M | 7.89M | 10.31M | 8.78M |
| Investing Cash Flow | 0 | -30.75M | -14.35M | -5.03M | -72.48M | -154.75M |
| Financing Cash Flow | 0 | 22.73M | 6.67M | -5.42M | 64.19M | 146.83M |
Oregon Pacific Bancorp Technical Analysis
Price Trends
Market Momentum
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 12.82 is above the 20-day moving average (MA) of 12.62, above the 50-day MA of 12.57, and above the 200-day MA of 11.64, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 68.10 is Neutral, neither overbought nor oversold. The STOCH value of 84.52 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
Overall Rating
- ORPB75Outperform
BOTJ69Neutral
UBCP69Neutral
FUSB65Neutral
SSBI54Neutral
FNWB42Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ORPB | 75Outperform | $92.26M | 8.74 | 13.06% | ― | 7.68% | 29.55% |
| BOTJ | 69Neutral | $115.36M | 9.39 | 14.94% | 1.61% | 7.06% | 52.33% |
| UBCP | 69Neutral | $81.96M | 10.74 | 11.35% | 6.55% | 6.48% | -0.99% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FUSB | 65Neutral | $84.36M | 12.13 | 7.58% | 1.67% | 3.74% | 43.52% |
| SSBI | 54Neutral | $79.84M | 196.33 | 0.33% | ― | -7.24% | ― |
| FNWB | 42Neutral | $94.23M | -1048.39 | -0.03% | ― | -6.23% | 99.32% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| ORPB | Oregon Pacific Bancorp | 12.82 | 2.13 | 19.97% | |
| BOTJ | Bank Of The James Financial Group, Inc. | 24.77 | 8.28 | 50.21% | |
| SSBI | Summit State Bank | 12.01 | 1.18 | 10.90% | |
| UBCP | United Bancorp | 14.49 | 2.22 | 18.14% | |
| FUSB | First Us Bancshares | 16.74 | 3.57 | 27.13% | |
| FNWB | First Northwest Bancorp | 9.84 | 0.58 | 6.26% |
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 07, 2026