OTCPK:ORPB

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Oregon Pacific Bancorp

Executive Summary

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.


Snowflake Analysis

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.


Market Performance


7 Day Return

1.3%

ORPB

5.3%

US Banks

1.2%

US Market


1 Year Return

-30.2%

ORPB

-17.7%

US Banks

16.8%

US Market

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.


Shareholder returns

ORPBIndustryMarket
7 Day1.3%5.3%1.2%
30 Day3.8%6.6%4.9%
90 Day0%18.7%20.0%
1 Year-30.2%-30.2%-14.9%-17.7%19.3%16.8%
3 Year-9.0%-9.0%-9.6%-16.9%43.7%34.4%
5 Year33.7%33.7%15.0%1.0%75.5%56.6%

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

Valuation

Is Oregon Pacific Bancorp undervalued compared to its fair value and its price relative to the market?

15.4%

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.


Next Steps

Future Growth

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

26.8%

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.


Next Steps

  • 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.

Past Performance

How has Oregon Pacific Bancorp performed over the past 5 years?

35.9%

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.


Next Steps

Financial Health

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


Balance Sheet


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%).


Next Steps

Dividend

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

7.0yrs

Average management tenure


CEO

Ron Green

7yrs

Tenure

US$51,694

Compensation

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 ...


Leadership Team

NamePositionTenureCompensationOwnership
Ronald Green
President7yrsUS$51.69kno data
Amber White
Executive VP & CFO2.67yrsno datano data
Cindy Spinner
SVP, Senior Operations Officer2.58yrsno datano data
Mary Hipkiss
Senior VP & Director of HR - Oregon Pacific Banking Co18.83yrsno datano data
Deena Gisholt
Senior VPno datano datano data
Christopher Giovinco
Senior VP of Oregon Pacific Banking Co and Credit Administrator of Oregon Pacific Banking Co16yrsno datano data
Robert Edstrom
Executive VP & Chief Credit Officer6.33yrsno datano data
James Griggs
SVP & Sales Mngr of Real Estate Construction Loans - Oregon Pacific Banking Co17.42yrsno datano data

7.0yrs

Average Tenure

70yo

Average Age

Experienced Management: ORPB's management team is seasoned and experienced (7 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Ronald Green
President7yrsUS$51.69kno data
Richard Yecny
Director17.58yrsUS$10.80kno data
Robert King
Director Emeritus & Advisory Board Member1.33yrsUS$10.80kno data
Jon Thompson
Chairman1.33yrsUS$10.80kno data
Timothy Salisbury
Director6.58yrsno datano data
Mary Kuhar
Director and Director of Oregon Pacific Bankno datano datano data
Danny Jones
Vice Chair1.33yrsno datano data
Robert Mans
Director6.58yrsno datano data
Joe Benetti
Director5.58yrsno datano data
Robert Wright
Director4.58yrsno datano data
Tim Campbell
Director2.58yrsno datano data

5.1yrs

Average Tenure

65yo

Average Age

Experienced Board: ORPB's board of directors are considered experienced (5.1 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

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


Key Information

  • 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


Location

  • Oregon Pacific Bancorp
  • 1365 Highway 101
  • Florence
  • Oregon
  • 97439
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ORPBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMay 1998

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/11 00:20
End of Day Share Price2020/08/10 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.