OTCPK:BKOR

Stock Analysis Report

Oak Ridge Financial Services

Executive Summary

Oak Ridge Financial Services, Inc. operates as a bank holding company for Bank of Oak Ridge that provides various banking products and services for individuals and businesses.

Snowflake

Fundamentals

Adequate balance sheet and fair value.

Risks

  • Oak Ridge Financial Services is not covered by any analysts.

Share Price & News

How has Oak Ridge Financial Services's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

2.4%

OTCPK:BKOR

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-7.3%

OTCPK:BKOR

-16.1%

US Banks

-3.0%

US Market

BKOR outperformed the Banks industry which returned -16.1% over the past year.

BKOR underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

BKORIndustryMarket
7 Day2.4%-1.8%-1.6%
30 Day1.0%-10.1%-5.7%
90 Day1.0%-5.0%0.2%
1 Year-6.3%-7.3%-13.7%-16.1%-0.8%-3.0%
3 Year63.1%61.4%37.9%28.5%38.1%29.1%
5 Year126.7%124.4%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Oak Ridge Financial Services's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Oak Ridge Financial Services undervalued based on future cash flows and its price relative to the stock market?

9.32x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Oak Ridge Financial Services's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Oak Ridge Financial Services's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Oak Ridge Financial Services is good value based on earnings compared to the US Banks industry average.

Oak Ridge Financial Services is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Oak Ridge Financial Services, we can't assess if its growth is good value.


Price Based on Value of Assets

Oak Ridge Financial Services is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Oak Ridge Financial Services expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

5.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Oak Ridge Financial Services is high growth as no revenue estimate data is available.

Oak Ridge Financial Services's earnings are expected to grow by 5.8% yearly, however this is not considered high growth (20% yearly).

Unable to compare Oak Ridge Financial Services's revenue growth to the United States of America market average as no estimate data is available.

Oak Ridge Financial Services's earnings growth is positive but not above the United States of America market average.

Oak Ridge Financial Services's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Oak Ridge Financial Services will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Oak Ridge Financial Services performed over the past 5 years?

20.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Oak Ridge Financial Services has delivered over 20% year on year earnings growth in the past 5 years.

Oak Ridge Financial Services's 1-year earnings growth exceeds its 5-year average (22.7% vs 20.3%)

Oak Ridge Financial Services's earnings growth has not exceeded the US Banks industry average in the past year (22.7% vs 33.1%).


Return on Equity

Oak Ridge Financial Services has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Oak Ridge Financial Services used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Oak Ridge Financial Services improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Oak Ridge Financial Services's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Oak Ridge Financial Services has an acceptable proportion of non-loan assets held.

Unable to establish if Oak Ridge Financial Services has a sufficient allowance for bad loans without relevant financial data.

Oak Ridge Financial Services's liabilities are made up of primarily low risk sources of funding.

Oak Ridge Financial Services's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Oak Ridge Financial Services are broadly funded by customer deposits.

Unable to establish if Oak Ridge Financial Services has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is Oak Ridge Financial Services's current dividend yield, its reliability and sustainability?

1.36%

Current Dividend Yield


Dividend Yield and Payments Analysis

Oak Ridge Financial Services's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Oak Ridge Financial Services's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

It is too early to tell whether Oak Ridge Financial Services has stable dividend payments.

Oak Ridge Financial Services only just started paying a dividend, it is too early to tell if payments are increasing.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Oak Ridge Financial Services has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Oak Ridge Financial Services's salary, the management and board of directors tenure and is there insider trading?

0.6yrs

Average management tenure


CEO

Tom Wayne (56yo)

0.0yrs

Tenure

US$189,308

Compensation

Mr. Thomas W. Wayne, also known as Tom, is Chief Executive Officer and Chief Financial Officer at Bank of Oak Ridge (the “Bank”). He serves as President and Chief Operating Officer of Bank of Oak Ridge. He ...


CEO Compensation Analysis

Insufficient data for Tom to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.

Insufficient data for Tom to compare compensation growth.


Management Age and Tenure

0.6yrs

Average Tenure

The average tenure for the Oak Ridge Financial Services management team is less than 2 years, this suggests a new team.


Board Age and Tenure

12.6yrs

Average Tenure

67.5yo

Average Age

The average tenure for the Oak Ridge Financial Services board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Tom Wayne (56yo)

    President

    • Tenure: 0.0yrs
    • Compensation: US$189.31k
  • S. Young

    Chief Retail Banking Officer & Senior VP

    • Tenure: 9.1yrs
  • Charles Ryan

    Chief Credit Officer

    • Tenure: 0.6yrs
  • Jeff Finberg

    Chief Lending Officer & Director of Lending

    • Tenure: 0.6yrs
  • Marissa Parrish

    Chief People & Marketing Officer and Senior VP

    • Tenure: 0.5yrs

Board Members

  • Tom Wayne (56yo)

    President

    • Tenure: 0.0yrs
    • Compensation: US$189.31k
  • Stephen Neal (69yo)

    Director & Director of Oak Ridge Bank

    • Tenure: 20.6yrs
    • Compensation: US$9.84k
  • Doug Boike (70yo)

    Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$12.51k
  • Bill Vasaly (66yo)

    Director

    • Tenure: 2.2yrs
    • Compensation: US$234.87k
  • John Olmsted (68yo)

    Director

    • Tenure: 12.6yrs
    • Compensation: US$9.24k
  • James Hall (74yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: US$10.97k
  • Lynda Anderson (66yo)

    Director

    • Tenure: 12.6yrs
    • Compensation: US$9.61k
  • Stan Tennant (67yo)

    Director

    • Tenure: 8.1yrs
    • Compensation: US$7.72k

Company Information

Oak Ridge Financial Services, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Oak Ridge Financial Services, Inc.
  • Ticker: BKOR
  • Exchange: OTCPK
  • Founded: 2000
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$38.729m
  • Shares outstanding: 2.63m
  • Website: https://www.bankofoakridge.com

Number of Employees


Location

  • Oak Ridge Financial Services, Inc.
  • 2211 Oak Ridge Road
  • Oak Ridge
  • North Carolina
  • 27310
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BKOROTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 2004

Biography

Oak Ridge Financial Services, Inc. operates as a bank holding company for Bank of Oak Ridge that provides various banking products and services for individuals and businesses. The company accepts various d ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 00:06
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.