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Oregon Pacific Bancorp (ORPB) Fair Value & Analysis

Financial Services · US · Market cap $80.3M

Price$11.18
Fair Value$15.52
Upside+38.8%
Quality95/100
Evidence: High Range $11.64 – $19.40

Fair value as of: Jun 26, 2026

Analysis

Oregon Pacific Bancorp (ORPB) currently trades at $11.18, while our model-based Fair Value estimate is $15.52 — implying the stock looks roughly 38.8% undervalued today. We read business quality at 95/100 (high 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.

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. 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, …

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Frequently asked questions

Is Oregon Pacific Bancorp (ORPB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $15.52 versus a price of $11.18 — about +39% (undervalued). Model-based estimate, not financial advice.
What is the fair value of ORPB?
Our 21-model fair value for Oregon Pacific Bancorp is $15.52 (as of Jun 26, 2026), built from audited fundamentals. The current price is $11.18.
What is the quality score of ORPB?
Oregon Pacific Bancorp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.