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Oregon Pacific Bancorp (ORPB) AI Stock Analysis
Oregon Pacific Bancorp
(Other OTC:ORPB)
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.
Oregon Pacific Bancorp (ORPB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $91.18M
- Dividend Yield
- ―
- Average Volume (3M)
- 3,544
- Price to Earnings (P/E)
- 8.6
- Beta (1Y)
- 0.13
- 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 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 as...
Oregon Pacific Bancorp Financial Statement Overview
Summary
Strong 2025 revenue acceleration (~36%) and solid profitability (~17.6% net margin) support the score. Offsetting factors include margin compression versus 2021–2023 highs, uneven earnings path (2024 decline before 2025 recovery), and historically variable free-cash-flow consistency despite good recent conversion.
Income Statement
78PositiveBalance Sheet
74PositiveCash Flow
71Positive| 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 12.70 is above the 20-day moving average (MA) of 12.54, above the 50-day MA of 12.53, and above the 200-day MA of 11.60, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 59.75 is Neutral, neither overbought nor oversold. The STOCH value of 49.78 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
Overall Rating
- ORPB74Outperform
FUSB73Outperform
BOTJ69Neutral
UBCP69Neutral
FNWB44Neutral
SSBI41Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ORPB | 74Outperform | $91.04M | 8.64 | 13.06% | ― | 7.68% | 29.55% |
| FUSB | 73Outperform | $85.60M | 11.92 | 7.58% | 1.70% | 3.80% | 43.33% |
| BOTJ | 69Neutral | $110.22M | 9.04 | 14.94% | 1.67% | 7.06% | 52.33% |
| UBCP | 69Neutral | $82.25M | 10.22 | 11.53% | 6.54% | 6.21% | 8.32% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FNWB | 44Neutral | $98.22M | -1086.02 | -0.03% | ― | -6.23% | 99.73% |
| SSBI | 41Neutral | $77.33M | 189.83 | 0.33% | ― | -7.24% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| ORPB | Oregon Pacific Bancorp | 12.70 | 2.10 | 19.81% | |
| BOTJ | Bank Of The James Financial Group, Inc. | 23.96 | 7.30 | 43.84% | |
| SSBI | Summit State Bank | 11.39 | 0.64 | 5.95% | |
| UBCP | United Bancorp | 14.52 | 2.62 | 22.03% | |
| FUSB | First Us Bancshares | 16.45 | 3.49 | 26.91% | |
| FNWB | First Northwest Bancorp | 10.10 | 1.02 | 11.23% |
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: Aug 06, 2026