ORPB

Oregon Pacific Bancorp

USD

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Price alert · ORPB

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12.70 USD +0.05 +0.40%
As of Oct 30, 2026
12.56 Day range 12.70
10.65 52-week range 12.84
YTD
+12.39%
1 year
+18.80%
Open
12.56
Prev close
12.65
Mkt cap
91.18M
Vol
1.70K
Avg vol
1.96K
EPS
1.19
P/E
10.67
More statistics
Low
12.56
High
12.70

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Financial health

Altman Z-Score

0.31 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 4
  • P/B 3

Valuation

P/E 9.4×
FY 2016: 17.3×FY 2017: 15.7×FY 2018: 12.8×FY 2019: 12.5×FY 2020: 8.4×FY 2021: 6.6×FY 2022: 7.2×FY 2023: 5.8×FY 2024: 7.6×FY 2025: 9.4×
FY 2016 5y median 7.2× FY 2025
P/S 1.7×
FY 2016: 1.8×FY 2017: 1.9×FY 2018: 2.2×FY 2019: 2.4×FY 2020: 1.5×FY 2021: 1.9×FY 2022: 1.7×FY 2023: 1.6×FY 2024: 1.7×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
P/B 1.0×
FY 2016: 1.1×FY 2017: 0.7×FY 2018: 1.0×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 8.3×
FY 2016: 11.7×FY 2017: 7.1×FY 2018: 11.2×FY 2019: 10.1×FY 2020: 6.6×FY 2021: 10.0×FY 2022: 5.3×FY 2023: 16.3×FY 2024: 6.6×FY 2025: 8.3×
FY 2016 5y median 8.3× FY 2025
EV/EBITDA 7.9×
FY 2016: -2.1×FY 2017: 0.2×FY 2018: 5.1×FY 2019: 4.5×FY 2020: 5.0×FY 2021: 5.3×FY 2022: 5.4×FY 2023: 6.3×FY 2024: 7.0×FY 2025: 7.9×
FY 2016 5y median 6.3× FY 2025
EV/Sales 2.0×
FY 2016: -0.4×FY 2017: 0.1×FY 2018: 1.5×FY 2019: 1.4×FY 2020: 1.4×FY 2021: 2.3×FY 2022: 2.0×FY 2023: 2.4×FY 2024: 2.2×FY 2025: 2.0×
FY 2016 5y median 2.2× FY 2025
FCF Yield 12.0%
FY 2016: 8.6%FY 2017: 14.1%FY 2018: 8.9%FY 2019: 9.9%FY 2020: 15.3%FY 2021: 10.0%FY 2022: 19.0%FY 2023: 6.1%FY 2024: 15.0%FY 2025: 12.0%
FY 2016 5y median 12.0% FY 2025

Profitability

Gross Margin 76.3%
FY 2016: 94.4%FY 2017: 92.8%FY 2018: 90.9%FY 2019: 91.2%FY 2020: 75.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.1%FY 2024: 100.0%FY 2025: 76.3%
FY 2016 5y median 100.0% FY 2025
Operating Margin 23.4%
FY 2016: 16.1%FY 2017: 23.7%FY 2018: 23.0%FY 2019: 26.0%FY 2020: 36.8%FY 2021: 48.5%FY 2022: 41.5%FY 2023: 46.4%FY 2024: 40.7%FY 2025: 23.4%
FY 2016 5y median 41.5% FY 2025
Net Margin 17.6%
FY 2016: 10.5%FY 2017: 12.0%FY 2018: 17.6%FY 2019: 19.6%FY 2020: 18.1%FY 2021: 28.2%FY 2022: 23.5%FY 2023: 26.9%FY 2024: 21.8%FY 2025: 17.6%
FY 2016 5y median 23.5% FY 2025
ROE 11.0%
FY 2016: 6.5%FY 2017: 4.7%FY 2018: 8.0%FY 2019: 9.4%FY 2020: 10.3%FY 2021: 15.8%FY 2022: 15.5%FY 2023: 16.4%FY 2024: 11.5%FY 2025: 11.0%
FY 2016 5y median 15.5% FY 2025
ROIC 1.1%
FY 2016: 3.4%FY 2017: 3.6%FY 2018: 6.7%FY 2019: 4.1%FY 2020: 4.8%FY 2021: 5.8%FY 2022: 5.9%FY 2023: 6.9%FY 2024: 5.9%FY 2025: 1.1%
FY 2016 5y median 5.9% FY 2025
ROA 1.1%
FY 2016: 0.5%FY 2017: 0.5%FY 2018: 0.8%FY 2019: 1.0%FY 2020: 0.8%FY 2021: 1.1%FY 2022: 0.9%FY 2023: 1.2%FY 2024: 1.0%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 41.1%
FY 2016: 11.4%FY 2017: 9.6%FY 2018: 24.8%FY 2019: 21.2%FY 2020: 33.9%FY 2021: 15.2%FY 2022: 10.0%FY 2023: 12.7%FY 2024: 0.8%FY 2025: 41.1%
FY 2016 FY 2025
Operating Income -18.9%
FY 2016: 96.1%FY 2017: 61.4%FY 2018: 20.9%FY 2019: 37.1%FY 2020: 89.5%FY 2021: 51.8%FY 2022: -5.8%FY 2023: 26.0%FY 2024: -11.6%FY 2025: -18.9%
FY 2016 FY 2025
EPS (diluted) 13.3%
FY 2016: 52.9%FY 2017: 19.2%FY 2018: 19.4%FY 2019: 35.1%FY 2020: 24.0%FY 2021: 79.0%FY 2022: -9.0%FY 2023: 28.7%FY 2024: -19.2%FY 2025: 13.3%
FY 2016 FY 2025
Free Cash Flow 12.8%
FY 2016: 725.6%FY 2017: 89.7%FY 2018: -6.7%FY 2019: 46.2%FY 2020: 28.9%FY 2021: -7.0%FY 2022: 88.7%FY 2023: -66.2%FY 2024: 161.5%FY 2025: 12.8%
FY 2016 FY 2025

Financial Health

Current Ratio 20.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 20.1×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 20.3×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 20.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 29.0×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 20.3×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.4×
FY 2016: 0.8×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.7×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA 1.3×
FY 2016: -10.5×FY 2017: -6.2×FY 2018: -2.5×FY 2019: -3.3×FY 2020: -0.4×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 2.3×FY 2024: 1.8×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
Interest Coverage 1.1×
FY 2016: 3.7×FY 2017: 4.9×FY 2018: 4.3×FY 2019: 3.5×FY 2020: 60.6×FY 2021: 47.9×FY 2022: 15.9×FY 2023: 14.9×FY 2024: 0.0×FY 2025: 1.1×
FY 2016 5y median 14.9× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31