Oregon Bancorp, Inc. operates as the bank holding company for Willamette Valley Bank that provides banking services to businesses and individuals in Oregon.
Flawless balance sheet with outstanding track record.
Share Price & News
How has Oregon Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ORBN has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: ORBN exceeded the US Banks industry which returned -15.2% over the past year.
Return vs Market: ORBN matched the US Market which returned 18.7% over the past year.
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
Is Oregon Bancorp undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ORBN ($30.8) is trading below our estimate of fair value ($40.24)
Significantly Below Fair Value: ORBN is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ORBN is good value based on its PE Ratio (4.2x) compared to the US Banks industry average (10x).
PE vs Market: ORBN is good value based on its PE Ratio (4.2x) compared to the US market (19.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ORBN's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ORBN is overvalued based on its PB Ratio (1.6x) compared to the US Banks industry average (0.8x).
How is Oregon Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Oregon Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether Oregon Bancorp is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Oregon Bancorp's filings and announcementshere.
- Explore growth companies in the Banks industry.
How has Oregon Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ORBN has high quality earnings.
Growing Profit Margin: ORBN's current net profit margins (23.2%) are higher than last year (19.4%).
Past Earnings Growth Analysis
Earnings Trend: ORBN's earnings have grown significantly by 39.7% per year over the past 5 years.
Accelerating Growth: ORBN's earnings growth over the past year (82.8%) exceeds its 5-year average (39.7% per year).
Earnings vs Industry: ORBN earnings growth over the past year (82.8%) exceeded the Banks industry -2.9%.
Return on Equity
High ROE: ORBN's Return on Equity (36.6%) is considered high.
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
Financial Institutions Analysis
Asset Level: ORBN's Assets to Equity ratio (7.9x) is low.
Allowance for Bad Loans: ORBN has a sufficient allowance for bad loans (191%).
Low Risk Liabilities: 83% of ORBN's liabilities are made up of primarily low risk sources of funding.
Loan Level: ORBN has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: ORBN's Loans to Deposits ratio (87%) is appropriate.
Level of Bad Loans: ORBN has an appropriate level of bad loans (0.5%).
What is Oregon Bancorp current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ORBN's dividend (6.3%) is higher than the bottom 25% of dividend payers in the US market (1.59%).
High Dividend: ORBN's dividend (6.3%) is in the top 25% of dividend payers in the US market (4.31%)
Stability and Growth of Payments
Stable Dividend: ORBN has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: ORBN's dividend payments have increased, but the company has only paid a dividend for 6 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (3%), ORBN's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Ryan Dempster (42 yo)
Mr. Ryan K. Dempster serves as Director at Oregon Bankers Association since July 2019. He is President and Director of Oregon Bancorp, Inc. since January 1, 2019 and served as its Chief Financial Officer a ...
|President||1yr||no data||1.32% |
|Director||1yr||no data||no data|
|Director||11.58yrs||no data||4.78% |
|Vice Chairman||no data||no data||3.26% |
|Director||11.58yrs||no data||5.06% |
|Chairman of the Board||no data||no data||2.56% |
|Director||11.58yrs||no data||1.97% |
|Director||11.58yrs||no data||3.23% |
|Director||5.58yrs||no data||0.24% |
|Director||5.58yrs||no data||0.33% |
Experienced Board: ORBN's board of directors are considered experienced (8.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 5.8%.
Oregon Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Oregon Bancorp, Inc.
- Ticker: ORBN
- Exchange: OTCPK
- Founded: 2000
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$72.329m
- Shares outstanding: 2.35m
- Website: https://www.willamettevalleybank.com
- Oregon Bancorp, Inc.
- 101 High Street NE
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ORBN||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Mar 2002|
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 offers checking and savings accounts ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/14 12:24|
|End of Day Share Price||2020/08/13 00:00|
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.