Oak Ridge Financial Services, Inc. (BKOR) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Oak Ridge Financial Services, Inc. (BKOR) trades at $32.20 with AI Score 44/100 (Grade C). Oak Ridge Financial Services, Inc. Market cap: $88.3M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for BKOR: BKOR does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BKOR against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
BKOR: 1/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Oak Ridge Financial Services, Inc. (BKOR) Financial Services Profile
Oak Ridge Financial Services, Inc. operates as the parent company for Bank of Oak Ridge, providing a comprehensive suite of banking, lending, and insurance services to consumers and businesses across its North Carolina branch network. Established in 2000, the company focuses on regional financial solutions, supported by digital banking capabilities and specialized offerings like wealth management and HSAs.
What Is the Investment Thesis for BKOR?
Oak Ridge Financial Services, Inc. (BKOR) operates as a regional financial institution with a diversified service offering, including traditional banking, lending, wealth management, and insurance products. With a market capitalization of $88.3M and a P/E ratio of 10.75, the company demonstrates profitability with a profit margin of 19.7% and a gross margin of 54.6%. The dividend yield of 1.87% indicates a return to shareholders. Key value drivers include its comprehensive product suite, which caters to both consumer and business needs, and its localized branch network in North Carolina, fostering community relationships. Growth catalysts are anticipated from the continued expansion of specialized services like wealth management and SBA-backed financing, alongside ongoing investment in digital banking to enhance customer convenience and reach. The company's low Beta of 0.13 suggests relatively lower volatility compared to the broader market. However, as an OTC Other tier stock, potential risks include limited trading volume and information availability, which necessitate careful monitoring of financial filings and news releases for investors.
Based on FMP financials and quantitative analysis
BKOR Key Highlights
Market capitalization stands at $0.08 billion, reflecting its size within the regional banking sector.
- The company maintains a P/E ratio of 10.75, indicating its valuation relative to earnings.
- A profit margin of 19.7% demonstrates the company's efficiency in converting revenue into net income.
- Gross margin is reported at 54.6%, highlighting the profitability of its core services before operating expenses.
- Oak Ridge Financial Services, Inc. offers a dividend yield of 1.87%, providing income to shareholders.
Who Are BKOR's Competitors?
BKOR is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BKOR's Key Strengths?
Comprehensive suite of financial services, including banking, lending, wealth management, and insurance.
- Established local presence with physical branches in key North Carolina markets.
- Diversified revenue streams from interest income and fee-based services.
- Strong focus on supporting local businesses through SBA-backed financing.
- Modern digital banking capabilities complementing traditional branch services.
What Are BKOR's Weaknesses?
Limited geographic reach, primarily concentrated in specific North Carolina communities.
- Reliance on regional economic conditions for loan demand and deposit growth.
- As an OTC Other tier stock, potential for limited trading volume and information availability.
- Smaller market capitalization compared to larger regional or national banks, potentially limiting access to capital.
- Exposure to interest rate fluctuations affecting net interest margin.
What Could Drive BKOR Stock Higher?
BKOR catalyst: Continued expansion of digital banking features could attract new customers and enhance service efficiency, potentially increasing deposit growth and fee income.
- Successful integration and cross-selling of its diverse insurance product portfolio could lead to higher non-interest income and stronger customer retention.
- Growth in specialized services, such as wealth management and health savings accounts (HSAs), could attract affluent clients and generate higher-margin fee revenue.
- Favorable regional economic conditions in North Carolina could drive increased loan demand and improve credit quality, positively impacting net interest income.
- Effective management of interest rate sensitivity could optimize net interest margin in varying economic environments, supporting profitability.
What Are the Key Risks for BKOR?
Financial-distress signal — its Altman Z-Score of 0.24 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns in its primary North Carolina operating regions could lead to increased loan defaults and reduced demand for banking services, impacting profitability.
- Intense competition from larger national banks, other regional institutions, and emerging fintech companies could pressure margins and market share.
- Fluctuations in interest rates could negatively affect the company's net interest margin, particularly if the cost of funds rises faster than loan yields.
- Regulatory changes in the financial services sector could increase compliance costs and operational complexities, potentially impacting profitability.
- As an OTC Other tier stock, limited trading volume and information availability pose risks related to liquidity and accurate valuation for investors.
What Are the Growth Opportunities for BKOR?
- Growth in Digital Banking Services: The ongoing shift towards digital platforms presents an opportunity for Oak Ridge Financial Services, Inc. to expand its reach and improve customer engagement. By enhancing its online and mobile banking solutions, including features like advanced budgeting tools, secure payment options, and streamlined loan applications, the company can attract tech-savvy customers and improve operational efficiency. The digital banking market is projected to continue its robust growth, driven by consumer preference for convenience and remote access, allowing BKOR to potentially capture a larger share of the regional market without significant physical expansion costs.
- Expansion of Specialized Financial Services: Oak Ridge Financial Services, Inc. offers specialized services such as health savings accounts (HSAs), identity theft protection, and wealth management. As demographics shift and financial planning becomes more complex, the demand for these tailored services is expected to grow. By actively marketing and developing these offerings, particularly wealth management for an aging population and HSAs for health-conscious consumers, the company can diversify its revenue streams beyond traditional lending and deposits, tapping into higher-margin service fees. This segment provides a pathway to deeper client relationships and increased fee income.
- Diversification through Insurance Products: The company's extensive portfolio of insurance products, covering auto, home, life, and various specialized policies, represents a significant growth avenue. By cross-selling insurance to existing banking and lending customers, Oak Ridge Financial Services, Inc. can increase its wallet share per customer and create a more sticky client base. The insurance market offers consistent demand and can provide a stable source of fee income, reducing reliance on interest rate sensitive banking operations. Expanding awareness and accessibility of these integrated services can attract new clients seeking comprehensive financial solutions from a single provider.
- Targeted Business Lending and SBA Financing: Oak Ridge Financial Services, Inc. provides business term and SBA-backed financing, along with business lines of credit. Small and medium-sized businesses (SMBs) are often underserved by larger banks and rely on regional institutions for capital. By strengthening its focus on local businesses and leveraging government-backed SBA programs, the company can capture a larger share of the regional commercial lending market. This strategy not only generates interest income but also fosters strong community ties and can lead to ancillary business banking relationships, such as cash management and payroll services, driving further growth.
- Deepening Local Market Penetration: With physical branches in Oak Ridge, Greensboro, and Summerfield, North Carolina, the company has an opportunity to deepen its penetration within these specific local markets. This involves understanding the unique financial needs of these communities, offering tailored products, and engaging in local community initiatives. By building strong relationships and trust, Oak Ridge Financial Services, Inc. can attract new customers through word-of-mouth referrals and local marketing efforts. This hyper-local strategy allows for efficient resource allocation and a competitive advantage against larger, more impersonal financial institutions, driving organic growth within its established geographic footprint.
What Are BKOR's Competitive Advantages?
- Established local presence and community ties in Oak Ridge, Greensboro, and Summerfield, North Carolina, fostering customer loyalty.
- Diversified product offering, including banking, lending, wealth management, and a broad range of insurance products, creating a 'one-stop shop' for financial needs.
- Personalized customer service typical of regional banks, differentiating it from larger, more impersonal national institutions.
- Focus on SBA-backed financing and business lines of credit, catering to the specific needs of local small businesses.
- Integration of modern digital banking solutions, combining local service with convenient access.
What Does BKOR Do?
Oak Ridge Financial Services, Inc., established in 2000 and headquartered in Oak Ridge, North Carolina, functions as the parent entity for Bank of Oak Ridge. The company has evolved to offer a comprehensive array of banking and financial services tailored for both individual consumers and businesses within its operational footprint. Its foundational product suite encompasses various deposit accounts, including checking, savings, and money market options, alongside essential overdraft protection services. For financing needs, Oak Ridge Financial Services, Inc. provides a diverse range of lending solutions, such as auto, home equity, and mortgage loans, in addition to specialized business term and SBA-backed financing. These lending products are complemented by flexible business lines of credit and credit card offerings designed to support local enterprises. Recognizing the shift towards digital convenience, the company has invested in modern digital banking solutions, ensuring accessibility for customers online and via mobile devices. Beyond traditional banking, Oak Ridge Financial Services, Inc. extends its portfolio with specialized services, including health savings accounts (HSAs), identity theft protection, comprehensive wealth management services, efficient cash management solutions for businesses, and remote deposit capture capabilities. A significant differentiator is the company's extensive selection of insurance products, which covers a broad spectrum of needs from auto, home, and small business policies to renters, life, boat, watercraft, classic car, motorcycle, flood, pet, and umbrella policies, providing a holistic financial service offering. Operations are strategically conducted through a network of physical branches located in Oak Ridge, Greensboro, and Summerfield, North Carolina, solidifying its regional market presence and community-focused approach.
What Products and Services Does BKOR Offer?
- Operates as the parent company for Bank of Oak Ridge, providing comprehensive financial services.
- Offers a variety of deposit accounts including checking, savings, and money market options.
- Provides diverse lending solutions such as auto, home equity, mortgage, and business loans.
- Specializes in SBA-backed financing and flexible business lines of credit for commercial clients.
- Delivers modern digital banking services accessible online and via mobile devices.
- Offers specialized services including health savings accounts (HSAs) and wealth management.
- Provides identity theft protection, cash management solutions, and remote deposit capture.
- Sells an extensive selection of insurance products, covering auto, home, life, and various specialized needs.
How Does BKOR Make Money?
- Generates interest income from a diverse portfolio of loans, including consumer, mortgage, and business loans.
- Earns non-interest income through service charges on deposit accounts, wealth management fees, and insurance product sales.
- Attracts deposits from individuals and businesses, which are then used to fund lending activities.
- Leverages a network of physical branches in North Carolina for customer service and community engagement.
- Utilizes digital banking platforms to provide convenient access to services and expand customer reach.
What Industry Does BKOR Operate In?
Oak Ridge Financial Services, Inc. operates within the highly competitive Banks - Regional industry, a segment of the broader Financial Services sector. This industry is characterized by its focus on serving local communities and small to medium-sized businesses, often competing with larger national banks through personalized service and deep community ties. Current market trends include an increasing demand for digital banking solutions, a focus on diversified revenue streams beyond traditional interest income, and evolving regulatory landscapes. Regional banks are also navigating fluctuating interest rate environments, which directly impact net interest margins. Oak Ridge Financial Services, Inc., with its network of branches in Oak Ridge, Greensboro, and Summerfield, North Carolina, positions itself as a community-centric financial provider. Its comprehensive offering, including insurance and wealth management, allows it to compete by providing a 'one-stop shop' for financial needs, differentiating it from institutions solely focused on traditional banking products. The industry's competitive landscape includes other regional banks and credit unions, as well as fintech companies encroaching on specific service areas.
Who Are BKOR's Key Customers?
- Individual consumers seeking deposit accounts, personal loans (auto, home equity, mortgage), and digital banking services.
- Small to medium-sized businesses requiring term loans, SBA financing, lines of credit, and cash management solutions.
- Clients interested in specialized financial products like health savings accounts (HSAs) and wealth management services.
- Customers seeking various insurance coverages, including auto, home, life, and specialized policies.
- Residents and businesses primarily located within Oak Ridge, Greensboro, and Summerfield, North Carolina.
Company Profile
Oak Ridge Financial Services, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Oak Ridge, US. The company is led by CEO Thomas W. Wayne. BKOR has traded publicly since 2021.
Key Financial Metrics
Return on equity for Oak Ridge Financial Services, Inc. stands at 11.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. BKOR trades at a trailing price-to-earnings ratio of 10.75, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.79 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.3%, the inverse of the P/E and a quick read on earnings relative to price.
BKOR Valuation & Market Position
With a $88.3M market cap, Oak Ridge Financial Services, Inc. sits in the micro-cap segment of the market. Relative to its peer group, BKOR's quantitative score of 44/100 is below the peer average of 92/100.
Quarterly Financial Performance: Oak Ridge Financial Services, Inc.
Revenue for Oak Ridge Financial Services, Inc. came in at $10.7M during Q2 2026, a 4.7% improvement versus the preceding quarter. The company recorded net income of $2.2M, with diluted EPS of $0.79. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, BKOR averaged $0.71 in diluted EPS.
Financial Health
Oak Ridge Financial Services, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.24 places it in the distress zone, a signal of elevated financial risk.
BKOR Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future prospects, indicating that those closest to the business see potential upside.
- Community sentiment has recently turned positive, with discussions highlighting the company's strategic initiatives and growth plans.
- Market perception has shifted favorably as analysts recognize the company's efforts to enhance operational efficiency and customer engagement.
- The financial services sector is experiencing a recovery, and Oak Ridge is well-positioned to capitalize on emerging opportunities.
Bear Case
- Some investors remain skeptical about the company's ability to scale effectively in a competitive market, leading to mixed community views.
- Recent discussions have raised concerns about regulatory challenges that could impact operational flexibility and growth.
- The overall market volatility has made some investors cautious, leading to bearish sentiment in certain trading circles.
- Despite positive developments, there are lingering doubts about the company's long-term profitability and sustainability in the current economic climate.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $11M | $2M | $0.79 |
| Q1 2026 | $10M | $1M | $0.53 |
| Q4 2025 | $11M | $2M | $0.85 |
| Q3 2025 | $12M | $2M | $0.69 |
Based on FMP financials and quantitative analysis
BKOR Latest News
No recent news available for BKOR.
BKOR Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BKOR.
Price Targets
Wall Street price target analysis for BKOR.
BKOR MoonshotScore
What does this score mean?
The MoonshotScore rates BKOR 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Thomas W. Wayne
CEO
Thomas W. Wayne serves as the CEO of Oak Ridge Financial Services, Inc., overseeing the strategic direction and operations of the parent company and its subsidiary, Bank of Oak Ridge. In this capacity, he is responsible for managing a team of 98 employees. His leadership is central to the company's efforts to provide a comprehensive array of banking, lending, and financial services to its consumer and business clients across North Carolina.
Track Record: Under Thomas W. Wayne's leadership, Oak Ridge Financial Services, Inc. has maintained its regional focus while expanding its service offerings to include specialized financial products and a robust insurance portfolio. His strategic decisions have guided the company in navigating the competitive financial services landscape, ensuring the delivery of both traditional and modern digital banking solutions to its customer base. His tenure is marked by the continued operation and growth of the company's branch network in Oak Ridge, Greensboro, and Summerfield.
BKOR OTC Market Information
Oak Ridge Financial Services, Inc. (BKOR) trades on the OTC Other tier of the OTC Markets Group. This tier is typically for companies that do not meet the disclosure or financial standards of higher tiers like OTCQX or OTCQB, or for companies that are not required to be quoted on a higher tier. It represents the lowest public market tier, often characterized by limited public information, fewer reporting requirements compared to national exchanges like NYSE or NASDAQ, and potentially less regulatory oversight. Investors in OTC Other securities generally face higher risks due to these factors, as the lack of comprehensive, timely information can make it challenging to assess a company's financial health and operational performance accurately.
- OTC Tier: OTC Other
- Limited public information and financial disclosure, making comprehensive due diligence challenging.
- Lower trading volume and wider bid-ask spreads, potentially leading to liquidity issues and price volatility.
- Less stringent listing and reporting requirements compared to major exchanges, increasing investment risk.
- Potential for difficulty in obtaining accurate and timely valuation data due to infrequent trading.
- Greater susceptibility to market manipulation due to lower transparency and oversight.
- Verify the company's operational status and business activities through independent sources.
- Review all available financial filings, even if limited, to assess financial health and performance.
- Research management's background, experience, and track record.
- Examine any news releases or corporate actions for recent developments.
- Assess the company's competitive landscape and market position within its regional operating areas.
- Understand the specific risks associated with the financial services sector and regional banking.
- Consider the potential impact of limited liquidity on entry and exit strategies for the investment.
- Established in 2000, indicating a long operational history.
- Operates physical branches in Oak Ridge, Greensboro, and Summerfield, North Carolina.
- Provides a comprehensive range of traditional banking, lending, and insurance services.
- Identified CEO, Thomas W. Wayne, suggesting formal corporate governance.
- Manages 98 employees, indicating a substantive operational scale.
BKOR Financial Services Stock FAQ
What does the AI Score mean for BKOR?
BKOR holds an AI Score of 44/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Oak Ridge Financial Services, Inc. operates as the parent company for Bank of Oak Ridge, delivering a comprehensive suite of banking, lending, and insurance services to individual consumers …
What does Oak Ridge Financial Services, Inc. do?
Oak Ridge Financial Services, Inc. operates as the parent company for Bank of Oak Ridge, providing a broad spectrum of financial services to both individual consumers and businesses. Its core offerings include various deposit accounts like checking, savings, and money market options, alongside comprehensive lending solutions such as auto, home equity, mortgage, business term, and SBA-backed loans.
How sensitive is BKOR to interest rate changes?
As a regional bank, Oak Ridge Financial Services, Inc.'s profitability is inherently sensitive to changes in interest rates, primarily through its net interest margin (NIM). NIM is the difference between the interest income earned on assets (like loans) and the interest paid on liabilities (like deposits).
What is Oak Ridge Financial Services, Inc.'s credit quality and risk management approach?
Oak Ridge Financial Services, Inc.'s credit quality and risk management approach are critical for its financial stability. While specific metrics on loan portfolio quality (e.g., non-performing loans, charge-off rates) are not provided in the source data, a regional bank's credit quality is generally influenced by the economic health of its local operating markets.
What are the main risks for BKOR?
Oak Ridge Financial Services, Inc. faces several key risks. A primary concern is its exposure to regional economic conditions in North Carolina; any downturns could lead to increased loan defaults and reduced demand for banking services.
What are the key factors to evaluate for BKOR?
Oak Ridge Financial Services, Inc. (BKOR) holds an AI score of 44/100 (low). (BKOR) operates as a regional financial institution with a diversified service offering, including traditional banking, lending, wealth management, and insurance products. Not financial advice.
How frequently does BKOR data refresh on this page?
BKOR's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven BKOR's recent stock price performance?
Oak Ridge Financial Services, Inc. (BKOR) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Comprehensive suite of financial services, including banking, lending, wealth management, and insurance. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BKOR overvalued or undervalued right now?
Oak Ridge Financial Services, Inc. (BKOR) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- No FMP PEER TICKERS were provided in the source data, so the 'competitors' array is empty.
- Specific details on CEO's title, background, and tenure years were not fully provided, so 'title' is inferred as 'CEO' and 'tenureYears' is null.
- Specific financial metrics beyond those provided (e.g., revenue growth, specific loan portfolio quality) were not available, leading to general statements where specifics were requested.
- Analyst ratings, price targets, or consensus information were not provided, so the analyst FAQ was omitted as per instructions.