Oregon Pacific Bancorp operates as a bank holding company for Oregon Pacific Banking Company that provides banking products and services to individual and business clients in the United States.
Flawless balance sheet with solid track record.
Share Price & News
How has Oregon Pacific Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ORPB has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: ORPB underperformed the US Banks industry which returned -19% over the past year.
Return vs Market: ORPB underperformed the US Market which returned 16.4% over the past year.
Price Volatility Vs. Market
How volatile is Oregon Pacific Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Oregon Pacific 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: ORPB ($4.05) is trading below our estimate of fair value ($4.79)
Significantly Below Fair Value: ORPB is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: ORPB is good value based on its PE Ratio (7.9x) compared to the US Banks industry average (9.9x).
PE vs Market: ORPB is good value based on its PE Ratio (7.9x) compared to the US market (18.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ORPB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ORPB's PB Ratio (0.7x) is in line with the US Banks industry average.
How is Oregon Pacific 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 Pacific 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 Pacific 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 Pacific Bancorp's filings and announcementshere.
- Explore growth companies in the Banks industry.
How has Oregon Pacific Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ORPB has high quality earnings.
Growing Profit Margin: ORPB's current net profit margins (18.9%) are higher than last year (15.7%).
Past Earnings Growth Analysis
Earnings Trend: ORPB's earnings have grown significantly by 35.9% per year over the past 5 years.
Accelerating Growth: ORPB's earnings growth over the past year (36%) exceeds its 5-year average (35.9% per year).
Earnings vs Industry: ORPB earnings growth over the past year (36%) exceeded the Banks industry -3%.
Return on Equity
High ROE: ORPB's Return on Equity (9.1%) is considered low.
How is Oregon Pacific 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: ORPB's Assets to Equity ratio (13.1x) is moderate.
Allowance for Bad Loans: ORPB has a sufficient allowance for bad loans (377%).
Low Risk Liabilities: 98% of ORPB's liabilities are made up of primarily low risk sources of funding.
Loan Level: ORPB has an appropriate level of Loans to Assets ratio (81%).
Low Risk Deposits: ORPB's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: ORPB has an appropriate level of bad loans (0.3%).
What is Oregon Pacific Bancorp current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ORPB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ORPB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ORPB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ORPB's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: ORPB is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ORPB's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Ronald S. Green, also known as Ron, serves as Chief Executive Officer and President of Oregon Pacific Bancorp since August 2013 & was its Senior Lending officer until 2013 and was its Chief Operating O ...
|Executive VP & CFO||2.67yrs||no data||no data|
|SVP, Senior Operations Officer||2.58yrs||no data||no data|
|Senior VP & Director of HR - Oregon Pacific Banking Co||18.83yrs||no data||no data|
|Senior VP||no data||no data||no data|
|Senior VP of Oregon Pacific Banking Co and Credit Administrator of Oregon Pacific Banking Co||16yrs||no data||no data|
|Executive VP & Chief Credit Officer||6.33yrs||no data||no data|
|SVP & Sales Mngr of Real Estate Construction Loans - Oregon Pacific Banking Co||17.42yrs||no data||no data|
Experienced Management: ORPB's management team is seasoned and experienced (7 years average tenure).
|Director Emeritus & Advisory Board Member||1.33yrs||US$10.80k||no data|
|Director||6.58yrs||no data||no data|
|Director and Director of Oregon Pacific Bank||no data||no data||no data|
|Vice Chair||1.33yrs||no data||no data|
|Director||6.58yrs||no data||no data|
|Director||5.58yrs||no data||no data|
|Director||4.58yrs||no data||no data|
|Director||2.58yrs||no data||no data|
Experienced Board: ORPB's board of directors are considered experienced (5.1 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 not been meaningfully diluted in the past year.
Oregon Pacific Bancorp's company bio, employee growth, exchange listings and data sources
- Name: Oregon Pacific Bancorp
- Ticker: ORPB
- Exchange: OTCPK
- Founded: 1979
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$28.363m
- Shares outstanding: 7.00m
- Website: https://www.opbc.com
Number of Employees
- Oregon Pacific Bancorp
- 1365 Highway 101
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ORPB||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||May 1998|
Oregon Pacific Bancorp operates as a bank holding company for Oregon Pacific Banking Company that provides banking products and services to individual and business clients in the United States. The company ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/11 00:20|
|End of Day Share Price||2020/08/10 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.