OTCPK:ORPB

Stock Analysis Report

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

Fundamentals

Flawless balance sheet and slightly overvalued.

Risks

  • Oregon Pacific Bancorp is not covered by any analysts.

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


Market Performance


7 Day Return

-1.0%

OTCPK:ORPB

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-11.2%

OTCPK:ORPB

-14.2%

US Banks

-0.4%

US Market

ORPB outperformed the Banks industry which returned -14.2% over the past year.

ORPB underperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

ORPBIndustryMarket
7 Day-1.0%-2.6%-1.0%
30 Day-1.8%-6.3%-3.3%
90 Day-0.7%-3.5%0.8%
1 Year-11.2%-11.2%-11.8%-14.2%1.9%-0.4%
3 Year45.3%45.3%42.2%32.4%39.4%30.4%
5 Year101.7%101.7%53.3%36.7%54.2%37.1%

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 based on future cash flows and its price relative to the stock market?

15.34x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Oregon Pacific Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

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


Price Based on Earnings

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

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


Price Based on Value of Assets

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


Next Steps

Future Growth

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

13.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

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

Oregon Pacific Bancorp's earnings are expected to grow by 13.3% yearly, however this is not considered high growth (20% yearly).

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

Oregon Pacific Bancorp's earnings growth is positive but not above the United States of America market average.

Oregon Pacific Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

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


Next Steps

Past Performance

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

48.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

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

Oregon Pacific Bancorp's 1-year earnings growth is less than its 5-year average (15% vs 48.5%)

Oregon Pacific Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (15% vs 33.2%).


Return on Equity

Oregon Pacific Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

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


Return on Capital Employed

Unable to establish if Oregon Pacific 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 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

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

Oregon Pacific Bancorp has a sufficient allowance for bad loans.

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

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

Loans at Oregon Pacific Bancorp are broadly funded by customer deposits.

Oregon Pacific Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Oregon Pacific Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Oregon Pacific Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Oregon Pacific Bancorp has not reported any payouts.

Unable to verify if Oregon Pacific Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Oregon Pacific Bancorp has not reported any payouts.


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

6.0yrs

Average management tenure


CEO

Ron Green

6.0yrs

Tenure

US$51,694

Compensation

Mr. Ronald S. Green, also known as Ron, serves as Chief Executive Officer and President of Oregon Pacific Bancorp and its subsidiary Oregon Pacific Banking Co. (the “Bank”). He was hired in July 2007 as Ex ...


Management Age and Tenure

6.0yrs

Average Tenure

69yo

Average Age

The average tenure for the Oregon Pacific Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

5.1yrs

Average Tenure

68.5yo

Average Age

The tenure for the Oregon Pacific Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Mary Hipkiss (69yo)

    Senior VP & Director of HR - Oregon Pacific Banking Co

    • Tenure: 17.8yrs
  • Deena Gisholt (58yo)

    Senior VP

  • Christopher Giovinco (69yo)

    Senior VP of Oregon Pacific Banking Co and Credit Administrator of Oregon Pacific Banking Co

    • Tenure: 15.0yrs
  • James Griggs (80yo)

    SVP & Sales Mngr of Real Estate Construction Loans - Oregon Pacific Banking Co

    • Tenure: 16.4yrs
  • Ron Green

    President

    • Tenure: 6.0yrs
    • Compensation: $51.69k
  • Amber White

    Executive VP & CFO

    • Tenure: 1.7yrs
  • Bob Edstrom

    Executive VP & Chief Credit Officer

    • Tenure: 5.3yrs
  • Cindy Spinner

    SVP, Senior Operations Officer

    • Tenure: 1.6yrs

Board Members

  • Dan Jones

    Vice Chair

    • Tenure: 0.3yrs
  • Ron Green

    President

    • Tenure: 6.6yrs
    • Compensation: $51.69k
  • Tim Salisbury

    Director

    • Tenure: 5.6yrs
  • Bob Mans

    Director

    • Tenure: 5.6yrs
  • Joe Benetti

    Director

    • Tenure: 4.6yrs
  • Bob King (75yo)

    Director Emeritus & Advisory Board Member

    • Tenure: 0.3yrs
    • Compensation: $10.80k
  • Tom Grove (73yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: $10.80k
  • Rick Yecny (64yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: $10.80k
  • Jon Thompson (57yo)

    Chairman

    • Tenure: 0.3yrs
    • Compensation: $10.80k
  • Robbie Wright

    Director

    • Tenure: 3.6yrs

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$40.232m
  • Shares outstanding: 6.97m
  • Website: Click here

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 Analysis2019/08/17 23:47
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.