Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Oregon Pacific BancorpORPB +0.41%68 Debt-to-Equity is 0.34 as of Dec. 2025, which is 17% above its 10-year median of 0.29. GuruFocus rates ORPB with a GF Score™ of 68/100 and a GF Value™ of $15.33 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, Oregon Pacific Bancorp ranks better than 65.19% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Oregon Pacific Bancorp's Debt-to-Equity or its related term are showing as below:
ORPB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.11 Med: 0.29 Max: 0.49
Current: 0.34
During the past 13 years, the highest Debt-to-Equity Ratio of Oregon Pacific Bancorp was 0.49. The lowest was 0.11. And the median was 0.29.
ORPB's Debt-to-Equity is ranked better than 65.19% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs ORPB: 0.34
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Oregon Pacific Bancorp Debt-to-Equity Related Terms
Oregon Pacific Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Oregon Pacific Bancorp's Debt-to-Equity can be seen below:
* 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.
ORPB vs CZBC, MCBK, SLRK: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Oregon Pacific Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's Debt-to-Equity 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 Debt-to-Equity of 0.34 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Oregon Pacific Bancorp and its competitors. This is 17% above median its historical median of 0.29. Over the past decade, Oregon Pacific Bancorp's Debt-to-Equity has ranged from 0.11 to 0.49. According to the industry distribution chart, Oregon Pacific Bancorp ranks #495 out of 1422 companies in the Banks industry, placing it in the top 34.8%.
Is Oregon Pacific Bancorp's Debt-to-Equity too high?
Oregon Pacific Bancorp's current Debt-to-Equity of 0.34 is 17% above median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.49. The Banks industry median Debt-to-Equity is 0.57. Oregon Pacific Bancorp's value of 0.34 is 40.4% below this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #495 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, Oregon Pacific Bancorp has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Oregon Pacific Bancorp's Debt-to-Equity compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #495 out of 1422 companies for Debt-to-Equity. This puts Oregon Pacific Bancorp in the upper half of its industry. The industry median Debt-to-Equity is 0.57. Oregon Pacific Bancorp's value of 0.34 is 40.4% below this benchmark. Historically, Oregon Pacific Bancorp's own Debt-to-Equity has ranged from 0.11 to 0.49 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 0.57, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current Debt-to-Equity of 0.34 is 40.4% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current Debt-to-Equity is 0.34, which is 17% above median its own 10-year median of 0.29. 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 $15.33, compared to a current price of $12.25 — trading 20.1% below its estimated fair value. The current Debt-to-Equity is 0.34, which is 17% above median its 10-year median of 0.29 and 40.4% below the Banks industry median of 0.57. Oregon Pacific Bancorp's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current Debt-to-Equity is 0.34 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 $12.25 is trading 20.1% below its estimated GF Value™ of $15.33.
GuruFocus considers Oregon Pacific Bancorp to be Modestly Undervalued.
Key valuation signals for ORPB:
Debt-to-Equity: 0.34 (17% above median its 10-year median of 0.29)
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
Industry Position: 40.4% below the Banks median (#495 of 1422)
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.
68GF Score
Get the complete analysis for ORPB
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ORPB has been successfully added to your 
