OTCPK:ORBN

Stock Analysis Report

Executive Summary

Oregon Bancorp, Inc. operates as the bank holding company for Willamette Valley Bank that provides banking services to businesses and individuals in Oregon.

Snowflake

Fundamentals

Adequate balance sheet with proven track record.

Risks

  • Oregon Bancorp is not covered by any analysts.

Share Price & News

How has Oregon Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

4.0%

OTCPK:ORBN

-2.6%

US Banks

-1.0%

US Market


1 Year Return

18.2%

OTCPK:ORBN

-14.2%

US Banks

-0.4%

US Market

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

ORBN outperformed the Market in United States of America which returned -1.7% over the past year.


Share holder returns

ORBNIndustryMarket
7 Day4.0%-2.6%-1.0%
30 Day18.2%-5.5%-3.3%
90 Day23.7%-3.5%0.4%
1 Year26.5%18.2%-11.8%-14.2%1.8%-0.4%
3 Year275.0%208.8%42.2%32.4%39.4%30.4%
5 Year527.3%392.9%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Oregon Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Oregon Bancorp undervalued based on future cash flows and its price relative to the stock market?

39%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Oregon Bancorp's share price is below the future cash flow value, and at a moderate discount (> 20%).

Oregon Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Oregon Bancorp is good value based on earnings compared to the US Banks industry average.

Oregon Bancorp 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 Oregon Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Oregon Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Oregon Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-9.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Oregon Bancorp is high growth as no revenue estimate data is available.

Oregon Bancorp's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Unable to compare Oregon Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Oregon Bancorp's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.

Oregon Bancorp's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Oregon Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Oregon Bancorp performed over the past 5 years?

46.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Oregon Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

Oregon Bancorp's 1-year earnings growth is less than its 5-year average (42.7% vs 46.8%)

Oregon Bancorp's earnings growth has exceeded the US Banks industry average in the past year (42.7% vs 33.2%).


Return on Equity

Oregon Bancorp has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).


Return on Assets

Oregon Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Oregon Bancorp 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 Oregon Bancorp'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


Financial Institutions Analysis

Oregon Bancorp has an acceptable proportion of non-loan assets held.

Unable to establish if Oregon Bancorp has a sufficient allowance for bad loans without relevant financial data.

Oregon Bancorp's liabilities are made up of primarily low risk sources of funding.

Oregon Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Oregon Bancorp are broadly funded by customer deposits.

Unable to establish if Oregon Bancorp has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is Oregon Bancorp's current dividend yield, its reliability and sustainability?

5.54%

Current Dividend Yield


Dividend Yield and Payments Analysis

Oregon Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.5%).

Oregon Bancorp's dividend is above the markets top 25% of dividend payers in United States of America (3.9%).

Oregon Bancorp has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).

Dividend payments have increased, but Oregon Bancorp only paid a dividend in the past 5 years.


Current Payout to Shareholders

Dividends paid are thoroughly covered by earnings (17.1x coverage).


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 Oregon Bancorp's salary, the management and board of directors tenure and is there insider trading?

10.6yrs

Average board tenure


CEO

Neil Grossnicklaus (65yo)

10.6yrs

Tenure

Mr. Neil D. Grossnicklaus serves as Director at Oregon Bancorp, Inc. and Willamette Valley Bank. He served as Chief Executive Officer of Oregon Bancorp, Inc. until August 01, 2019 and was its President unt ...


Board Age and Tenure

10.6yrs

Average Tenure

65yo

Average Age

The average tenure for the Oregon Bancorp 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

  • Neil Grossnicklaus (65yo)

    Director

    • Tenure: 10.6yrs
  • Ryan Dempster (41yo)

    President & CEO


Board Members

  • George Patterson (68yo)

    Director

    • Tenure: 10.6yrs
  • Joseph Minniti (66yo)

    Vice Chairman of the Board

    • Tenure: 10.6yrs
  • Ed Martin (80yo)

    Chairman of the Board

    • Tenure: 10.6yrs
  • Denise Schott (57yo)

    Director

    • Tenure: 4.6yrs
  • Matt Fitzmaurice (66yo)

    Director

    • Tenure: 10.6yrs
  • Neil Grossnicklaus (65yo)

    Director

    • Tenure: 10.6yrs
  • Bill McCall (58yo)

    Director

    • Tenure: 4.6yrs
  • Doug Zielinski (64yo)

    Director

    • Tenure: 10.6yrs
  • Jay Compton (62yo)

    Director

    • Tenure: 10.6yrs

Company Information

Oregon Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Oregon Bancorp, Inc.
  • Ticker: ORBN
  • Exchange: OTCPK
  • Founded: 2000
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$57.728m
  • Shares outstanding: 2.22m
  • Website: Click here

Location

  • Oregon Bancorp, Inc.
  • 101 High Street NE
  • Salem
  • Oregon
  • 97301
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ORBNOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMar 2002

Biography

Oregon Bancorp, Inc. operates as the bank holding company for Willamette Valley Bank that provides banking services to businesses and individuals in Oregon. The company accepts checking and savings account ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 00:03
End of Day Share Price2019/08/16 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.