Oregon Pacific Bancorp (ORPB) Fair Value & Analysis

Financial Services · US · Market cap $80.3M

A solid business, screening 27% undervalued on our models.

What matters now

• Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $5.50 – $12.25 · fair‑value band $11.64 – $19.40 · the $12.25 price screens below the $15.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.

Full chart & analysis →

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Analysis

Oregon Pacific Bancorp (ORPB) currently trades at $12.25, while our model-based Fair Value estimate is $15.52, implying the stock looks roughly 26.7% undervalued today. The Quality Score stands at 54/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Oregon Pacific Bancorp generated revenue of $38.3M at a net margin of 24.2%. Revenue grew 11.5% year over year. It earns a return on equity of 12.5%. Net debt stands at $16.6M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $11.64 (bear case) to $19.40 (bull case); at $12.25, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 59% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 27%, ORPB screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($15.17) versus Dividend Discount ($0.1500). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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

Full company description

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. 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

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Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.