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Oregon Pacific BancorpORPB +0.41%68 EV-to-OCF is 8.40 as of Jul. 30, 2026, which is 44% above its 10-year median of 5.84. 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 1,500 Banks companies, Oregon Pacific Bancorp ranks worse than 65% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Oregon Pacific Bancorp's Enterprise Value is $86.12 Mil.
Oregon Pacific Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $10.25 Mil. Therefore, Oregon Pacific Bancorp's EV-to-OCF for today is 8.40.
The historical rank and industry rank for Oregon Pacific Bancorp's EV-to-OCF or its related term are showing as below:
ORPB'
s EV-to-OCF Range Over the Past 10 Years
Min: -8.31 Med: 5.84 Max: 9.31
Current: 8.4
During the past 13 years, the highest EV-to-OCF of Oregon Pacific Bancorp was 9.31. The lowest was -8.31. And the median was 5.84.
ORPB's EV-to-OCF is ranked worse than 65% of 1500
companies
in the Banks industry
Industry Median: 3.89
vs ORPB: 8.40
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Oregon Pacific Bancorp's PE Ratio (TTM) for today is calculated as:
Oregon Pacific Bancorp's share price for today is $12.25.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Oregon Pacific Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.190.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Oregon Pacific Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's EV-to-OCF falls into.
Oregon Pacific Bancorp's current Enterprise Value is $86.12 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Oregon Pacific Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $10.25 Mil.
* 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 EV-to-OCF of 8.40 as of Jul. 30, 2026. This is 44% above median its historical median of 5.84. According to the industry distribution chart, Oregon Pacific Bancorp ranks #975 out of 1500 companies in the Banks industry, placing it in the top 65%.
Is Oregon Pacific Bancorp's EV-to-OCF too high?
Oregon Pacific Bancorp's current EV-to-OCF of 8.40 is 44% above median its 10-year median of 5.84. The Banks industry median EV-to-OCF is 3.89. Oregon Pacific Bancorp's value of 8.40 is 115.9% above this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #975 out of 1500 companies in the Banks industry, which is below 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 EV-to-OCF compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #975 out of 1500 companies for EV-to-OCF. This places Oregon Pacific Bancorp in the lower half of its industry. The industry median EV-to-OCF is 3.89. Oregon Pacific Bancorp's value of 8.40 is 115.9% above this benchmark. While the company's 10-year median is 5.84 vs. the industry median of 3.89, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.89, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current EV-to-OCF of 8.40 is 115.9% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current EV-to-OCF is 8.40, which is 44% above median its own 10-year median of 5.84. 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 EV-to-OCF is 8.40, which is 44% above median its 10-year median of 5.84 and 115.9% above the Banks industry median of 3.89. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current EV-to-OCF is 8.40 as of Jul. 30, 2026. 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:
EV-to-OCF: 8.40 (44% above median its 10-year median of 5.84)
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
Industry Position: 115.9% above the Banks median (#975 of 1500)
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
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