ORPB Stock Overview

Operates as the bank holding company for Oregon Pacific Banking Company that provides various banking products and services to individual and business customers in the United States. More details

ORPB fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 71.6% below our estimate of its fair value

Risk Analysis

Does not have a meaningful market cap ($57M)

My Notes

Capture your thoughts, links and company narrative

Oregon Pacific Bancorp Competitors

BayFirst Financial

NasdaqCM:BAFN

US$55.8m

Broadway Financial

NasdaqCM:BYFC

US$59.8m

Cullman Bancorp

OTCPK:CULL

US$62.5m

First Bancshares

OTCPK:FBSI

US$60.7m

Price History & Performance

Summary of share price highs, lows and changes for Oregon Pacific Bancorp
Historical stock prices
Current Share Price	US$8.00
52 Week High	US$8.10
52 Week Low	US$6.60
Beta	0.26
1 Month Change	1.27%
3 Month Change	6.10%
1 Year Change	5.68%
3 Year Change	6.67%
5 Year Change	28.00%
Change since IPO	-3.03%

Recent updates

Shareholder Returns

	ORPB	US Banks	US Market
7D	0%	-1.2%	-2.6%
1Y	5.7%	27.6%	23.1%

Return vs Industry: ORPB underperformed the US Banks industry which returned 28.7% over the past year.

Return vs Market: ORPB underperformed the US Market which returned 22.4% over the past year.

Price Volatility

Is ORPB's price volatile compared to industry and market?
ORPB volatility
ORPB Average Weekly Movement	3.1%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: ORPB has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine ORPB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1979	144	Ron Green	www.opbc.com

Oregon Pacific Bancorp operates as the bank holding company for Oregon Pacific Banking Company that provides various banking products and services to individual and business customers in the United States. The company’s deposit products include checking, savings, money market, and time deposit accounts. It provides mortgage loans; business financing solutions, including lines of credit, term financing, commercial real estate loans, construction and asset-based lending, professional practice loans, and government guaranteed lending; and personal financing solutions, comprising home equity lines of credit, cash secured loans with a certificate of deposit, and vehicle loans; and credit cards.

Oregon Pacific Bancorp Fundamentals Summary

How do Oregon Pacific Bancorp's earnings and revenue compare to its market cap?
ORPB fundamental statistics
Market cap	US$57.07m
Earnings (TTM)	US$7.52m
Revenue (TTM)	US$33.95m

7.6x

P/E Ratio

0.9x

P/B Ratio

Is ORPB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ORPB income statement (TTM)
Revenue	US$33.95m
Cost of Revenue	US$0
Gross Profit	US$33.95m
Other Expenses	US$26.43m
Earnings	US$7.52m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.05
Gross Margin	100.00%
Net Profit Margin	22.15%
Debt/Equity Ratio	40.9%

How did ORPB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/31 08:01
End of Day Share Price	2024/12/31 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Oregon Pacific Bancorp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

Oregon Pacific Bancorp OTCPK:ORPB Stock Report