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Oregon Pacific Bancorp (ORPB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Oregon Pacific Bancorp stock $13.34, price $12.75, upside +4.6%, quality 52 out of 100. Rating: fairly valued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

OP Oregon Pacific Bancorp logo Some data Nov 9, 2026

Oregon Pacific Bancorp

ORPB · US
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Highly profitable · 25.8% net margin (TTM)
Ranks above peers (9/14)
Fair value $13.34 · Fairly valued
Quality 52/100
Mixed Growth (revenue 5y +15.2 %/yr in USD)
Wide moat 70/100 · thin data
Some data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$12.84 $5.50 Fair Value $13.34 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range $5.50 – $12.84 · fair‑value band $10.00 – $16.67 · the $12.75 price screens below the $13.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

Oregon Pacific Bancorp operates as the bank holding company for Oregon Pacific Banking Company that provides various banking products and services to individual and business customers in the United States.

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The company's deposit products include checking, savings, money market, and time deposit accounts.

It provides business financing solutions, including lines of credit, term financing, commercial real estate loans, construction and asset-based lending, professional practice loans, and government guaranteed lending; and personal financing solutions, comprising home equity lines of credit, cash secured loans with a certificate of deposit, and auto loans; checkline account; and credit cards.

In addition, the company offers trust services; wealth and investment management services; nonprofit solutions; planned giving partner; and other services, including positive pay, automated sweeps, night depository, safe deposit boxes, domestic and international wires, and mobile wallet services, as well as direct deposit, merchant, treasury management, online and mobile banking, telephone banking, and overdraft protection services.

The company was founded in 1979 and is headquartered in Florence, Oregon.

Stock analysis

Oregon Pacific Bancorp (ORPB) currently trades at $12.75, while our model-based Fair Value estimate is $13.34, so the stock looks roughly fairly valued today (gap 4.4%).

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Valuation

Bull case: the Multiples group reads highest at a median of $13.34 per share, and 1 of the 4 models we run sit above the $12.75 price.

Bear case: the Asset-Based group reads lowest at $7.26, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $10.00 (bear) to $16.67 (bull), the price of $12.75 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Oregon Pacific Bancorp reported revenue of $48.8M in FY2025 versus $27.7M in FY2021, a compound +15.2%/yr. Reported net income was $8.6M in FY2025, compounding +2.4%/yr from FY2021.

Key figures

Market cap $91.8M Micro · P/E ratio 10.7 · P/S ratio 2.25 · EPS (TTM) $1.19 · Net margin 25.8% · Return on equity 13.4% · Return on assets (EBIT) 1.8% (5-year average) · Operating margin 34.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).

What moves the price

The share trades about 1% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 5%, ORPB screens cheaper than that median.

Fair Value models

Bear $10.00 Fair Value $13.34 Bull $16.67
Price $12.75 · Upside +4.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.02 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $9.14 $10.06 $12.20 71
P/E Multiple $11.64 $15.52 $19.40 63
P/B Multiple $8.36 $11.15 $13.94 55
All 4 models by family
Multiples
P/E Multiple $11.64 $15.52 $19.40 63
P/B Multiple $8.36 $11.15 $13.94 55
Asset-Based
NCAV (Graham) $5.42 $7.26 $10.84 54
Economic Profit
Residual Income $9.14 $10.06 $12.20 71

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Quality Score breakdown

Overall quality 52/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 31
How much profit the company makes from its sales and capital
Quality Growth 42
Are margins and returns getting better?
Cashflow 76
Do the profits arrive as real cash?
Financial strength 5
Debt, balance sheet and risk of trouble
Investment 64
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 55
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 75
Distance to the 52-week high, does not count
New shares 78
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+41.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.2%
Start year 2020 (pandemic). Over 10 years: +17.5% a year
Revenue growth 27 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.8%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+13.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.9%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.13.9% vs 18.7%, slowing
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.26% → 23%
Pace: the 5-year rate starts in 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside +4.6% · Above median
Profitability
Return on equity (12 months) 13.4% · Above median
Return on assets 1.1% · Above median
Net margin (12 months) 25.8% · Below median
Operating margin (12 months) 34.6% · Below median
Growth and dividend
Revenue growth (quarter YoY) 14.9% · Above median
Balance sheet
Debt / equity 0.34× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.7× · Cheaper than median
P/B 1.18× · Pricier than median
P/S (12 months) 2.25× · Cheapest 25%
Price / free cash flow (fiscal year) 9.5× · Cheaper than median
EV/EBITDA 8.6× · Cheaper than median
PEG 0.44× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)39 · sector 8
FUTURE (revenue growth)75 · sector 47
PAST (return on equity)54 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs ORPB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs ORPB
BNP Paribas SA BNP €91.93 €106.01 +15% vs ORPB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs ORPB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs ORPB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs ORPB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs ORPB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs ORPB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs ORPB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs ORPB

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Oregon Pacific Bancorp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Oregon Pacific Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/ORPB

Frequently asked questions

Is Oregon Pacific Bancorp (ORPB) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $13.34 versus a price of $12.75, about +5% upside (fairly valued).
What is the fair value of ORPB?
Our model-based fair value for Oregon Pacific Bancorp is $13.34 (as of Nov 9, 2026), built from audited fundamentals. The current price: $12.75.
What is the quality score of ORPB?
Oregon Pacific Bancorp has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Oregon Pacific Bancorp (ORPB)?
Our model-based price target is the fair value of $13.34 (as of Nov 9, 2026) from 4 valuation models. Cautious scenario $10.00, optimistic scenario $16.67. It is a calculation from audited fundamentals, not an analyst target.
What is the Oregon Pacific Bancorp stock forecast for 2026?
Our models put fair value at $13.34, about +5% upside versus a price of $12.75 (fairly valued). Cautious scenario $10.00, optimistic scenario $16.67. The calculation is refreshed regularly with new filings.
What is the revenue of Oregon Pacific Bancorp (ORPB)?
Oregon Pacific Bancorp reported trailing-twelve-month revenue of about $40.9M (latest available figure, as of Nov 9, 2026).
What is the intrinsic value of Oregon Pacific Bancorp (ORPB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Oregon Pacific Bancorp it is $13.34 per share (as of Nov 9, 2026), against a price of $12.75. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Oregon Pacific Bancorp stock overvalued or undervalued in 2026?
As of Nov 9, 2026, ORPB trades below its calculated fair value: price $12.75, fair value $13.34, a gap of about +5% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ORPB?
No. The price is what the market pays today ($12.75); the fair value is what the company's own numbers justify ($13.34). For Oregon Pacific Bancorp the two are $0.5900 per share apart. That gap is exactly why we show both numbers side by side.
How much is Oregon Pacific Bancorp worth?
The market values Oregon Pacific Bancorp at about $91.8M (market capitalisation, as of Nov 9, 2026). Per share that is $12.75; our models calculate a fair value of $13.34 per share.
What do the bullish and bearish scenarios say about ORPB?
Our models span a range for Oregon Pacific Bancorp: cautious scenario $10.00, base $13.34, optimistic $16.67 per share (as of Nov 9, 2026, price $12.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ORPB?
Oregon Pacific Bancorp trades at a price-to-earnings ratio of 10.7 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $13.34 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 8.9. Other multiples: PEG 0.4, P/B 1.2, P/S 2.2, EV/EBITDA 8.6.
What is the PEG ratio of ORPB?
The PEG ratio of Oregon Pacific Bancorp is 0.44 (P/E divided by earnings growth, as of Nov 9, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Oregon Pacific Bancorp (ORPB)?
Balance-sheet figures for Oregon Pacific Bancorp (as of Nov 9, 2026): return on equity 13.4%, debt of 0.34 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is ORPB from its 52-week high?
Oregon Pacific Bancorp trades at $12.75, about 1% below its 52-week high of $12.84 and 20% above the low of $10.65 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $13.34 is for.
Which stocks are comparable to Oregon Pacific Bancorp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Oregon Pacific Bancorp stock attractive at the current price?
The data as of Nov 9, 2026: price $12.75, calculated fair value $13.34 (+5%), Quality Score 52/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ORPB calculated?
We run Oregon Pacific Bancorp through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $13.34 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Oregon Pacific Bancorp currently trades 4% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Oregon Pacific Bancorp (ORPB)?
The closing price on Nov 6, 2026 was $12.75. Our model-based fair value is $13.34, about +5% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Oregon Pacific Bancorp right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Oregon Pacific Bancorp (ORPB) come from?
Earnings per share at Oregon Pacific Bancorp grew +22.2 % a year from 2015 to 2025. Broken into its drivers: revenue per share +10.3 %, EBIT margin +12.6 %, tax rate +0.8 %, residual (interest, one-offs) −2.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Oregon Pacific Bancorp

How large is the market capitalisation of Oregon Pacific Bancorp (ORPB)?
The market capitalisation of Oregon Pacific Bancorp is $91.8M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Oregon Pacific Bancorp (ORPB)?
The price-to-sales ratio of Oregon Pacific Bancorp is 2.25 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Oregon Pacific Bancorp (ORPB)?
Earnings per share at Oregon Pacific Bancorp are $1.19 (price ÷ EPS = P/E 10.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Oregon Pacific Bancorp (ORPB)?
The net margin of Oregon Pacific Bancorp is 25.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Oregon Pacific Bancorp (ORPB)?
The return on equity (ROE) of Oregon Pacific Bancorp is 13.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Oregon Pacific Bancorp (ORPB)?
On an EBIT basis the return on assets of Oregon Pacific Bancorp is 1.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Oregon Pacific Bancorp (ORPB)?
The operating margin of Oregon Pacific Bancorp is 34.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Oregon Pacific Bancorp (ORPB)?
Revenue at Oregon Pacific Bancorp is growing +14.9% versus a year earlier (3y avg +17.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Oregon Pacific Bancorp (ORPB)?
Earnings per share at Oregon Pacific Bancorp are growing +23.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Oregon Pacific Bancorp (ORPB) generate?
The free cash flow of Oregon Pacific Bancorp is $9.7M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Oregon Pacific Bancorp (ORPB) carry?
The net debt of Oregon Pacific Bancorp is $16.6M (fiscal year 2025, ≈ 1.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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