Oregon Pacific Bancorp (ORPB) 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.
Oregon Pacific Bancorp (ORPB) trades at $12.35 with AI Score 58/100 (Grade B). Oregon Pacific Bancorp is a bank holding company operating in the United States, providing banking products and services to individuals and… Market cap: $88.7M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for ORPB: ORPB 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 ORPB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
ORPB: 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.
Oregon Pacific Bancorp (ORPB) Financial Services Profile
Oregon Pacific Bancorp, established in 1979, operates as a regional bank holding company providing diverse banking services, including deposit accounts, business and personal loans, and wealth management, primarily in Oregon. With a market capitalization of $88.7M and a P/E ratio of 9.18, it caters to individual and business customers.
What Is the Investment Thesis for ORPB?
Oregon Pacific Bancorp presents a focused investment opportunity within the regional banking sector, characterized by a P/E ratio of 9.18 and a profit margin of 19.7%. The company's growth is underpinned by its diverse range of banking products and services, catering to both individual and business clients in Oregon. Key catalysts include expansion of its wealth management services and strategic deployment of its existing branch network. However, investors may want to evaluate the risks associated with operating in the OTC market and the potential for increased regulatory scrutiny affecting profitability. The company's beta of 0.29 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
ORPB Key Highlights
Market capitalization of $88.7M indicates a smaller, regionally-focused bank.
- P/E ratio of 9.18 suggests a potentially undervalued stock compared to its earnings.
- Profit margin of 19.7% demonstrates efficient operations and profitability.
- Gross margin of 64.3% reflects a strong ability to manage costs related to its banking products and services.
- Beta of 0.29 indicates lower volatility compared to the overall market, suggesting a more stable investment.
Who Are ORPB's Competitors?
ORPB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BKOR Oak Ridge Financial Services, Inc. | $32.20 | +0.00% | $88.3M | 44 |
| CBKM Consumers Bancorp, Inc. | $32.00 | +0.00% | $101M | 46 |
| CZBS Citizens Bancshares Corporation | $63.00 | +0.90% | $113M | 44 |
| NACB National Capital Bancorp, Inc. | $81.08 | -0.50% | $93.3M | — |
| 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 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ORPB's Key Strengths?
Strong local presence in Oregon markets.
- Diversified range of banking products and services.
- Experienced management team.
- Focus on personalized customer service.
What Are ORPB's Weaknesses?
Limited geographic reach compared to larger banks.
- Dependence on the Oregon economy.
- Smaller market capitalization limits access to capital.
- Trades on the OTC market.
What Could Drive ORPB Stock Higher?
Potential for increased profitability through strategic branch network optimization by Q4 2026.
- Expansion of wealth management services to drive fee income growth throughout 2026.
- Enhanced digital banking platform to attract and retain tech-savvy customers.
What Are the Key Risks for ORPB?
Financial-distress signal — its Altman Z-Score of 0.31 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Increased competition from larger banks and credit unions could erode market share.
- Changes in interest rates and economic conditions could negatively impact profitability.
- Increased regulatory scrutiny could increase compliance costs.
- Cybersecurity risks could lead to data breaches and financial losses.
What Are the Growth Opportunities for ORPB?
- Growth opportunity 1: Expansion of Wealth Management Services: Oregon Pacific Bancorp can leverage its existing trust and fiduciary services to expand its wealth management offerings. The market for wealth management is growing, driven by an aging population and increasing affluence. By offering comprehensive financial planning, investment management, and estate planning services, ORPB can attract new clients and increase its fee-based income. This expansion could target high-net-worth individuals and families within its existing geographic footprint, potentially increasing revenue by 10% over the next three years.
- Growth opportunity 2: Strategic Branch Network Optimization: Oregon Pacific Bancorp can optimize its branch network by strategically locating new branches in underserved markets or consolidating existing branches to improve efficiency. The company currently operates five full-service branches. By analyzing demographic trends and market demand, ORPB can identify opportunities to expand its reach and improve customer service. This optimization could lead to a 5% increase in deposits and loan volume over the next two years.
- Growth opportunity 3: Enhanced Digital Banking Platform: Investing in and enhancing its online and mobile banking platforms can attract and retain tech-savvy customers. The digital banking market is rapidly growing, with more customers preferring to conduct their banking transactions online. By offering a user-friendly and secure digital platform, ORPB can improve customer satisfaction and reduce operating costs. This enhancement could result in a 15% increase in online banking users over the next year.
- Growth opportunity 4: Focus on Small Business Lending: Oregon Pacific Bancorp can capitalize on the demand for small business loans by offering tailored financing solutions and personalized service. Small businesses are a vital part of the Oregon economy, and they often face challenges in accessing capital. By providing flexible loan products and responsive customer support, ORPB can build strong relationships with small business owners and increase its loan portfolio. This focus could lead to a 8% increase in small business loan volume over the next two years.
- Growth opportunity 5: Leveraging Government Guaranteed Loan Programs: Oregon Pacific Bancorp can increase its lending volume and reduce its risk by participating in government guaranteed loan programs, such as those offered by the Small Business Administration (SBA). These programs provide guarantees that reduce the risk of default, making it easier for banks to lend to small businesses. By actively promoting and utilizing these programs, ORPB can expand its lending activities and support economic development in its communities. This strategy could result in a 6% increase in overall loan volume over the next three years.
What Are ORPB's Competitive Advantages?
- Strong local presence and established relationships in its Oregon markets.
- Diversified range of banking products and services.
- Experienced management team with local market knowledge.
- Focus on personalized customer service.
What Does ORPB Do?
Oregon Pacific Bancorp, founded in 1979 and headquartered in Florence, Oregon, functions as the bank holding company for Oregon Pacific Banking Company. It provides a comprehensive suite of banking products and services tailored to individual and business clients across the United States. The company’s core offerings encompass a variety of deposit products, including checking, savings, money market, and time deposit accounts, designed to meet diverse customer needs. In the realm of lending, Oregon Pacific Bancorp extends business loans such as mortgage loans, commercial real estate loans, equipment financing, and government-guaranteed loans, supporting local businesses and economic development. Personal financial needs are addressed through vehicle loans for cars, boats, ATVs, RVs, and motorcycles, as well as personal loans including unsecured installment loans, unsecured lines of credit, home equity lines of credit, and home equity term loans. The bank also offers mortgage loans and credit cards. Beyond traditional banking, Oregon Pacific Bancorp provides merchant services, including payment processing solutions, cash management services, trust and fiduciary services, wealth management services, and retirement planning services. These services are delivered through a network of full-service branches in Florence, Eugene, Coos Bay, Roseburg, and Medford, complemented by online and mobile banking platforms, ensuring accessibility and convenience for its customer base.
What Products and Services Does ORPB Offer?
- Offers checking, savings, and money market accounts.
- Provides business loans, including commercial real estate and equipment financing.
- Offers personal loans, including vehicle loans and home equity lines of credit.
- Provides mortgage loans and credit cards.
- Offers merchant services, including payment processing solutions.
- Provides cash management services for businesses.
- Offers trust and fiduciary services, including estate planning.
- Provides wealth management and retirement planning services.
How Does ORPB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides wealth management and trust services for fee income.
- Offers merchant services and earns transaction fees.
What Industry Does ORPB Operate In?
Oregon Pacific Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving regulatory landscapes. The industry is currently experiencing a shift towards digital banking and increased demand for personalized financial services. Oregon Pacific Bancorp competes with larger national banks and other regional players, such as BKOR, CBKM, CZBS, EFIN, and NACB, for market share. The company's success depends on its ability to adapt to changing customer preferences and maintain a strong local presence.
Who Are ORPB's Key Customers?
- Individual customers seeking personal banking services.
- Small to medium-sized businesses requiring loans and cash management.
- High-net-worth individuals seeking wealth management and trust services.
- Local businesses needing merchant services.
Oregon Pacific Bancorp (ORPB) Valuation Context
Valued at $88.7M, ORPB is classified as a micro-cap stock. Relative to its peer group, ORPB's quantitative score of 58/100 is roughly in line with the peer average of 57/100.
ORPB Revenue & Earnings Trend
In Q2 2026, ORPB generated $12.8M in top-line revenue, marking a sequential increase of 2.1%. The company recorded net income of $2.8M, with diluted EPS of $0.38. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, ORPB averaged $0.35 in diluted EPS.
Company Profile
Oregon Pacific Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Florence, US. The company is led by CEO Amber J. White. ORPB has traded publicly since 1999.
Key Financial Metrics
Return on equity for Oregon Pacific Bancorp stands at 12.7%, 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. ORPB trades at a trailing price-to-earnings ratio of 8.78, 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 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 11.4%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Oregon Pacific Bancorp's Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.31 places it in the distress zone, a signal of elevated financial risk.
ORPB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence from leadership in the bank's future performance.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong local presence and customer loyalty.
- Analysts note improvements in operational efficiency, which could enhance profitability going forward.
- The recent focus on community banking aligns well with current market trends favoring local financial institutions.
Bear Case
- Concerns over potential regulatory changes have emerged, which could impact the bank's operational flexibility.
- Market perception remains cautious due to broader economic uncertainties affecting the banking sector.
- Some community members express skepticism about the bank's growth strategy and its ability to compete with larger institutions.
- Recent negative sentiment in financial news could be influencing overall investor confidence in smaller banks.
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 | $13M | $3M | $0.38 |
| Q1 2026 | $12M | $2M | $0.33 |
| Q4 2025 | $13M | $3M | $0.37 |
| Q3 2025 | $13M | $2M | $0.31 |
Based on FMP financials and quantitative analysis
ORPB Latest News
No recent news available for ORPB.
ORPB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ORPB.
Price Targets
Wall Street price target analysis for ORPB.
ORPB MoonshotScore
What does this score mean?
The MoonshotScore rates ORPB 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Ronald S. Green
CEO
Ronald S. Green serves as the CEO of Oregon Pacific Bancorp, leading the company's strategic direction and overseeing its operations. His background includes extensive experience in the banking industry, with a focus on community banking and financial services. He has held various leadership positions in regional banks, demonstrating expertise in lending, risk management, and customer relationship management. Green's educational background includes a degree in finance and certifications in banking compliance.
Track Record: Under Ronald S. Green's leadership, Oregon Pacific Bancorp has focused on expanding its presence in key Oregon markets and enhancing its digital banking capabilities. He has overseen the implementation of new technologies to improve customer service and streamline operations. His tenure has been marked by a commitment to supporting local businesses and communities through lending and philanthropic initiatives.
ORPB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Oregon Pacific Bancorp may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier is often associated with higher risk and requires careful due diligence by investors.
- OTC Tier: OTC Other
- Limited liquidity due to low trading volume on the OTC market.
- Lack of regulatory oversight compared to major exchanges.
- Potential for information asymmetry due to limited financial disclosure.
- Higher price volatility due to lower trading volume.
- Increased risk of fraud or manipulation.
- Verify the company's financial statements and audit reports.
- Research the background and experience of the management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's regulatory compliance and risk management practices.
- Understand the risks associated with investing in OTC securities.
- Consult with a financial advisor before making any investment decisions.
- Check for any legal or regulatory actions against the company or its officers.
- Established history of operations since 1979.
- Membership in industry associations and regulatory bodies.
- Physical presence with full-service branches in multiple locations.
- Provision of standard banking products and services.
- CEO with experience in the banking industry.
What Investors Ask About Oregon Pacific Bancorp (ORPB) — Financial Services
What does the AI Score mean for ORPB?
ORPB holds an AI Score of 58/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Oregon Pacific Bancorp is a bank holding company operating in the United States, providing banking products and services to individuals and businesses. The company focuses on deposit products …
What does Oregon Pacific Bancorp do?
Oregon Pacific Bancorp operates as the bank holding company for Oregon Pacific Banking Company, providing a range of banking products and services to individuals and businesses. These include deposit accounts like checking, savings, and money market accounts, as well as various loan products such as business loans, vehicle loans, and personal loans.
What are the main risks for ORPB?
Oregon Pacific Bancorp faces several risks, including increased competition from larger banks and credit unions, which could impact its market share and profitability. Changes in interest rates and economic conditions could affect its lending activities and net interest margin. Increased regulatory scrutiny could lead to higher compliance costs.
What are the key factors to evaluate for ORPB?
Oregon Pacific Bancorp (ORPB) holds an AI score of 58/100 (moderate). Oregon Pacific Bancorp presents a focused investment opportunity within the regional banking sector, characterized by a P/E ratio of 9.18 and a profit margin of 19.7%. Not financial advice.
How frequently does ORPB data refresh on this page?
ORPB'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 ORPB's recent stock price performance?
Oregon Pacific Bancorp (ORPB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Oregon markets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ORPB overvalued or undervalued right now?
Oregon Pacific Bancorp (ORPB) 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.
How do I research ORPB before investing?
Before investing in Oregon Pacific Bancorp (ORPB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding ORPB to a portfolio?
Key strength of Oregon Pacific Bancorp (ORPB): Strong local presence in Oregon markets. Weigh rewards against risks and diversify. Not financial advice.
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.
- OTC market data may be less reliable than data from major exchanges.
- AI analysis is pending and may provide additional insights.