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Oregon Pacific BancorpORPB +0.41%68 Piotroski F-Score is 6 as of Jul. 30, 2026, which is 14% below its 10-year median of 7.00. 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 1,499 Banks companies, Oregon Pacific Bancorp ranks better than 60.71% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Oregon Pacific Bancorp has an F-score of 6 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Oregon Pacific Bancorp's Piotroski F-Score or its related term are showing as below:
ORPB'
s Piotroski F-Score Range Over the Past 10 Years
Min: 6 Med: 7 Max: 7
Current: 6
During the past 13 years, the highest Piotroski F-Score of Oregon Pacific Bancorp was 7. The lowest was 6. And the median was 7.
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Oregon Pacific Bancorp Piotroski F-Score Related Terms
Oregon Pacific Bancorp Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Oregon Pacific Bancorp's Piotroski F-Score 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: Piotroski F-Score Comparison
For the Banks - Regional subindustry, Oregon Pacific Bancorp's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Oregon Pacific Bancorp's current Net Income (TTM) was 8.57.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Oregon Pacific Bancorp's current Cash Flow from Operations (TTM) was 10.25.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Oregon Pacific Bancorp's return on assets of this year was 0.01104129. Oregon Pacific Bancorp's return on assets of last year was 0.02065142.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Oregon Pacific Bancorp's gearing of this year was 0.03342555. Oregon Pacific Bancorp's gearing of last year was 0.04637935.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Oregon Pacific Bancorp's current ratio of this year was 1.10595409. Oregon Pacific Bancorp's current ratio of last year was 1.09180942.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Oregon Pacific Bancorp's number of shares in issue this year was 7.186. Oregon Pacific Bancorp's number of shares in issue last year was 7.147.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Oregon Pacific Bancorp's net margin of this year was 0.24427981. Oregon Pacific Bancorp's net margin of last year was 0.23643508.
==> This year's net margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Oregon Pacific Bancorp's asset turnover of this year was 0.04519936. Oregon Pacific Bancorp's asset turnover of last year was 0.087345.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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6
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Oregon Pacific Bancorp has an F-score of 6 indicating the company's financial situation is typical for a stable company.
Oregon Pacific Bancorp (ORPB) has a Piotroski F-Score of 6 as of Jul. 30, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Oregon Pacific Bancorp and its competitors. This is 14% below median its historical median of 7.00. Over the past decade, Oregon Pacific Bancorp's Piotroski F-Score has ranged from 6.00 to 7.00. According to the industry distribution chart, Oregon Pacific Bancorp ranks #589 out of 1499 companies in the Banks industry, placing it in the top 39.3%.
Is Oregon Pacific Bancorp's Piotroski F-Score too high?
Oregon Pacific Bancorp's current Piotroski F-Score of 6 is 14% below median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 6.00 to a high of 7.00. The Banks industry median Piotroski F-Score is 6.00. Oregon Pacific Bancorp's value of 6 is 0% at this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #589 out of 1499 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 Piotroski F-Score compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #589 out of 1499 companies for Piotroski F-Score. This puts Oregon Pacific Bancorp in the upper half of its industry. The industry median Piotroski F-Score is 6.00. Oregon Pacific Bancorp's value of 6 is 0% at this benchmark. Historically, Oregon Pacific Bancorp's own Piotroski F-Score has ranged from 6.00 to 7.00 over the past decade. While the company's 10-year median is 7.00 vs. the industry median of 6.00, 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current Piotroski F-Score of 6 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current Piotroski F-Score is 6, which is 14% below median its own 10-year median of 7.00. 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 Piotroski F-Score is 6, which is 14% below median its 10-year median of 7.00 and 0% at the Banks industry median of 6.00. 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 Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current Piotroski F-Score is 6 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:
Piotroski F-Score: 6 (14% below median its 10-year median of 7.00)
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
Industry Position: 0% at the Banks median (#589 of 1499)
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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