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Oregon Pacific BancorpORPB +0.41%68 EV-to-FCF is 8.85 as of Jul. 30, 2026, which is 27% above its 10-year median of 6.95. 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 1,191 Banks companies, Oregon Pacific Bancorp ranks worse than 55.33% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Oregon Pacific Bancorp's Enterprise Value is $86.12 Mil.
Oregon Pacific Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $9.73 Mil. Therefore, Oregon Pacific Bancorp's EV-to-FCF for today is 8.85.
The historical rank and industry rank for Oregon Pacific Bancorp's EV-to-FCF or its related term are showing as below:
ORPB'
s EV-to-FCF Range Over the Past 10 Years
Min: -26.34 Med: 6.95 Max: 10.68
Current: 8.85
During the past 13 years, the highest EV-to-FCF of Oregon Pacific Bancorp was 10.68. The lowest was -26.34. And the median was 6.95.
ORPB's EV-to-FCF is ranked worse than 55.33% of 1191
companies
in the Banks industry
Industry Median: 7.24
vs ORPB: 8.85
EV-to-FCF 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-FCF 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's EV-to-FCF 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 Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $9.73 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-FCF of 8.85 as of Jul. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Oregon Pacific Bancorp and its competitors. This is 27% above median its historical median of 6.95. According to the industry distribution chart, Oregon Pacific Bancorp ranks #659 out of 1191 companies in the Banks industry, placing it in the top 55.3%.
Is Oregon Pacific Bancorp's EV-to-FCF too high?
Oregon Pacific Bancorp's current EV-to-FCF of 8.85 is 27% above median its 10-year median of 6.95. The Banks industry median EV-to-FCF is 7.24. Oregon Pacific Bancorp's value of 8.85 is 22.2% above this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #659 out of 1191 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-FCF compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #659 out of 1191 companies for EV-to-FCF. This places Oregon Pacific Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.24. Oregon Pacific Bancorp's value of 8.85 is 22.2% above this benchmark. While the company's 10-year median is 6.95 vs. the industry median of 7.24, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.24, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current EV-to-FCF of 8.85 is 22.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current EV-to-FCF is 8.85, which is 27% above median its own 10-year median of 6.95. 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-FCF is 8.85, which is 27% above median its 10-year median of 6.95 and 22.2% above the Banks industry median of 7.24. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current EV-to-FCF is 8.85 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-FCF: 8.85 (27% above median its 10-year median of 6.95)
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
Industry Position: 22.2% above the Banks median (#659 of 1191)
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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