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Oregon Pacific BancorpORPB +0.41%68 Graham Number is $17.05 as of Dec. 2025, which is 2058% above its 10-year median of 0.79. 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 1,433 Banks companies, Oregon Pacific Bancorp ranks better than 62.32% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
The historical rank and industry rank for Oregon Pacific Bancorp's Graham Number or its related term are showing as below:
ORPB'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.54 Med: 0.79 Max: 1.18
Current: 0.72
During the past 13 years, the highest Price to Graham Number ratio of Oregon Pacific Bancorp was 1.18. The lowest was 0.54. And the median was 0.79.
ORPB's Price-to-Graham-Number is ranked better than 62.32% of 1433
companies
in the Banks industry
Industry Median: 0.81
vs ORPB: 0.72
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Oregon Pacific Bancorp (OTCPK:ORPB) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Oregon Pacific Bancorp's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2025 )
=
12.25
/
17.05
=
0.72
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Oregon Pacific Bancorp Graham Number Related Terms
Oregon Pacific Bancorp Graham Number Historical Data
* 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: Graham Number Comparison
For the Banks - Regional subindustry, Oregon Pacific Bancorp's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's Price-to-Graham-Number 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 Graham Number of $17.05 as of Dec. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on Oregon Pacific Bancorp and its competitors. This is 2058% above median its historical median of 0.79. Over the past decade, Oregon Pacific Bancorp's Graham Number has ranged from 0.54 to 1.18. According to the industry distribution chart, Oregon Pacific Bancorp ranks #540 out of 1433 companies in the Banks industry, placing it in the top 37.7%.
Is Oregon Pacific Bancorp's Graham Number too high?
Oregon Pacific Bancorp's current Graham Number of $17.05 is 2058% above median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 1.18. The Banks industry median Graham Number is 0.81. Oregon Pacific Bancorp's value of $17.05 is 2004.9% above this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #540 out of 1433 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 Graham Number compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #540 out of 1433 companies for Graham Number. This puts Oregon Pacific Bancorp in the upper half of its industry. The industry median Graham Number is 0.81. Oregon Pacific Bancorp's value of $17.05 is 2004.9% above this benchmark. Historically, Oregon Pacific Bancorp's own Graham Number has ranged from 0.54 to 1.18 over the past decade. While the company's 10-year median is 0.79 vs. the industry median of 0.81, 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 Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,433 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current Graham Number of $17.05 is 2004.9% 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current Graham Number is $17.05, which is 2058% above median its own 10-year median of 0.79. 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 Graham Number is $17.05, which is 2058% above median its 10-year median of 0.79 and 2004.9% above the Banks industry median of 0.81. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current Graham Number is $17.05 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:
Graham Number: $17.05 (2058% above median its 10-year median of 0.79)
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
Industry Position: 2004.9% above the Banks median (#540 of 1433)
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
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