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Oregon Pacific BancorpORPB +0.65%62 3-Year Book Growth Rate is 32.70% as of Dec. 2025, which is 381% above its 10-year median of 6.80. GuruFocus rates ORPB with a GF Score™ of 62/100 and a GF Value™ of $15.58 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,489 Banks companies, Oregon Pacific Bancorp ranks better than 95.97% on this metric.
During the past 12 months, Oregon Pacific Bancorp's average Book Value per Share Growth Rate was 18.80% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 32.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 32.00% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 3.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Oregon Pacific Bancorp was 32.70% per year. The lowest was -30.00% per year. And the median was 6.80% per year.
Oregon Pacific Bancorp (OTCPK:ORPB) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Oregon Pacific Bancorp 3-Year Book Growth Rate Related Terms
ORPB vs MCBK, HMLN, FBTT: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Oregon Pacific Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Oregon Pacific Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's 3-Year Book Growth Rate falls into.
Oregon Pacific Bancorp 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 32.70% mean?
Oregon Pacific Bancorp (ORPB) has a 3-Year Book Growth Rate of 32.70% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Oregon Pacific Bancorp and its competitors. This is 381% above median its historical median of 6.80. According to the industry distribution chart, Oregon Pacific Bancorp ranks #60 out of 1489 companies in the Banks industry, placing it in the top 4%.
Is Oregon Pacific Bancorp's 3-Year Book Growth Rate too high?
Oregon Pacific Bancorp's current 3-Year Book Growth Rate of 32.70% is 381% above median its 10-year median of 6.80. The Banks industry median 3-Year Book Growth Rate is 8.70. Oregon Pacific Bancorp's value of 32.70% is 275.9% above this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #60 out of 1489 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Oregon Pacific Bancorp has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Oregon Pacific Bancorp's 3-Year Book Growth Rate compare to MCBK and HMLN?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #60 out of 1489 companies for 3-Year Book Growth Rate. This places Oregon Pacific Bancorp in the top 4% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.70. Oregon Pacific Bancorp's value of 32.70% is 275.9% above this benchmark. While the company's 10-year median is 6.80 vs. the industry median of 8.70, Oregon Pacific Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current 3-Year Book Growth Rate of 32.70% is 275.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Oregon Pacific Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current 3-Year Book Growth Rate is 32.70%, which is 381% above median its own 10-year median of 6.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oregon Pacific Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Oregon Pacific Bancorp (ORPB) is currently considered Modestly Undervalued. The stock's GF Value™ is $15.58, compared to a current price of $12.40 — trading 20.4% below its estimated fair value. The current 3-Year Book Growth Rate is 32.70%, which is 381% above median its 10-year median of 6.80 and 275.9% above the Banks industry median of 8.70. Oregon Pacific Bancorp's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current 3-Year Book Growth Rate is 32.70% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Oregon Pacific Bancorp (ORPB) Overvalued in 2026?
Based on GuruFocus' analysis, Oregon Pacific Bancorp stock appears to be undervalued.
The current stock price of $12.40 is trading 20.4% below its estimated GF Value™ of $15.58.
GuruFocus considers Oregon Pacific Bancorp to be Modestly Undervalued.
Key valuation signals for ORPB:
3-Year Book Growth Rate: 32.70% (381% above median its 10-year median of 6.80)
GF Value™: $15.58 vs. price of $12.40 (20.4% below fair value)
Industry Position: 275.9% above the Banks median (#60 of 1489)
No single metric tells the full story. See the ORPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oregon Pacific Bancorp is a holding company based in the United States. Through its subsidiaries, it mainly provides banking products and services from full-service branches in Florence, Eugene, Portland, Coos Bay, Roseburg, and Medford. Additionally, it offers trust and wealth management products and services. The various financial services offered by the Group include full-service banking for both individual and business customers, which includes checking, savings, money market, and time deposit accounts; internet banking, online bill pay, and mobile banking services; lending services, including commercial and consumer; wealth management solutions; trust services; and others.
62GF Score
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