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Oregon Pacific BancorpORPB +0.65%62 Cash-to-Debt is 1.07 as of Dec. 2025, which is 72% below its 10-year median of 3.85. 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 1,490 Banks companies, Oregon Pacific Bancorp ranks worse than 56.17% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Oregon Pacific Bancorp's cash to debt ratio for the quarter that ended in Dec. 2025 was 1.07.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Oregon Pacific Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Oregon Pacific Bancorp's Cash-to-Debt or its related term are showing as below:
ORPB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.77 Med: 3.85 Max: 5.45
Current: 1.07
During the past 13 years, Oregon Pacific Bancorp's highest Cash to Debt Ratio was 5.45. The lowest was 0.77. And the median was 3.85.
ORPB's Cash-to-Debt is ranked worse than 56.17% of 1490
companies
in the Banks industry
Industry Median: 1.395
vs ORPB: 1.07
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Oregon Pacific Bancorp Cash-to-Debt Related Terms
Oregon Pacific Bancorp Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Oregon Pacific Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Oregon Pacific Bancorp (ORPB) has a Cash-to-Debt of 1.07 as of Dec. 2025. This is 72% below median its historical median of 3.85. Over the past decade, Oregon Pacific Bancorp's Cash-to-Debt has ranged from 0.77 to 5.45. According to the industry distribution chart, Oregon Pacific Bancorp ranks #837 out of 1490 companies in the Banks industry, placing it in the top 56.2%.
Is Oregon Pacific Bancorp's Cash-to-Debt too high?
Oregon Pacific Bancorp's current Cash-to-Debt of 1.07 is 72% below median its 10-year median of 3.85. Over the past 10 years, this metric has ranged from a low of 0.77 to a high of 5.45. The Banks industry median Cash-to-Debt is 1.40. Oregon Pacific Bancorp's value of 1.07 is 23.3% below this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #837 out of 1490 companies in the Banks industry, which is below the industry midpoint. 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 Cash-to-Debt compare to MCBK and HMLN?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #837 out of 1490 companies for Cash-to-Debt. This places Oregon Pacific Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Oregon Pacific Bancorp's value of 1.07 is 23.3% below this benchmark. Historically, Oregon Pacific Bancorp's own Cash-to-Debt has ranged from 0.77 to 5.45 over the past decade. While the company's 10-year median is 3.85 vs. the industry median of 1.40, Oregon Pacific Bancorp has consistently been below 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current Cash-to-Debt of 1.07 is 23.3% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current Cash-to-Debt is 1.07, which is 72% below median its own 10-year median of 3.85. 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 Cash-to-Debt is 1.07, which is 72% below median its 10-year median of 3.85 and 23.3% below the Banks industry median of 1.40. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current Cash-to-Debt is 1.07 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:
Cash-to-Debt: 1.07 (72% below median its 10-year median of 3.85)
GF Value™: $15.58 vs. price of $12.40 (20.4% below fair value)
Industry Position: 23.3% below the Banks median (#837 of 1490)
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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