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Oregon Pacific BancorpORPB +0.41%68 Equity-to-Asset is 0.10 as of Dec. 2025, which is at its 10-year median of 0.10. 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 1,525 Banks companies, Oregon Pacific Bancorp ranks better than 54.95% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Oregon Pacific Bancorp Equity-to-Asset Related Terms
Oregon Pacific Bancorp Equity-to-Asset Historical Data
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The historical data trend for Oregon Pacific Bancorp's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Oregon Pacific Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Oregon Pacific Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Oregon Pacific Bancorp and its competitors. This is near median its historical median of 0.10. Over the past decade, Oregon Pacific Bancorp's Equity-to-Asset has ranged from 0.08 to 0.12. According to the industry distribution chart, Oregon Pacific Bancorp ranks #687 out of 1525 companies in the Banks industry, placing it in the top 45%.
Is Oregon Pacific Bancorp's Equity-to-Asset too high?
Oregon Pacific Bancorp's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Oregon Pacific Bancorp's value of 0.10 is 0% at this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #687 out of 1525 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 Equity-to-Asset compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #687 out of 1525 companies for Equity-to-Asset. This puts Oregon Pacific Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Oregon Pacific Bancorp's value of 0.10 is 0% at this benchmark. Historically, Oregon Pacific Bancorp's own Equity-to-Asset has ranged from 0.08 to 0.12 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Oregon Pacific Bancorp has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.10. 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 Equity-to-Asset is 0.10, which is near median its 10-year median of 0.10 and 0% at the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current Equity-to-Asset is 0.10 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:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.10)
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
Industry Position: 0% at the Banks median (#687 of 1525)
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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