Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Oregon Pacific Bancorp's Intrinsic Value: Projected FCF or its related term are showing as below:
ORPB'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.59 Med: 0.69 Max: 0.87
Current: 0.7
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Oregon Pacific Bancorp was 0.87. The lowest was 0.59. And the median was 0.69.
ORPB's Price-to-Projected-FCF is ranked worse than 62.89% of 1307
companies
in the Banks industry
Industry Median: 0.6
vs ORPB: 0.70
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Oregon Pacific Bancorp's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
12.40
/
=
* 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 Intrinsic Value: Projected FCF Related Terms
Oregon Pacific Bancorp Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Oregon Pacific Bancorp's Intrinsic Value: Projected FCF 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 MCBK, HMLN, FBTT: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Oregon Pacific Bancorp's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
What does a Intrinsic Value: Projected FCF of $17.71 mean?
Oregon Pacific Bancorp (ORPB) has a Intrinsic Value: Projected FCF of $17.71 as of Sep. 02, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Oregon Pacific Bancorp and its competitors. According to the industry distribution chart, Oregon Pacific Bancorp ranks #822 out of 1307 companies in the Banks industry, placing it in the top 62.9%.
Is Oregon Pacific Bancorp's Intrinsic Value: Projected FCF too high?
Oregon Pacific Bancorp's current Intrinsic Value: Projected FCF is $17.71. The Banks industry median Intrinsic Value: Projected FCF is 0.60. Oregon Pacific Bancorp's value of $17.71 is 2851.7% above this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #822 out of 1307 companies in the Banks industry, which is below the industry midpoint. Overall, Oregon Pacific Bancorp has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Oregon Pacific Bancorp's Intrinsic Value: Projected FCF compare to MCBK and HMLN?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #822 out of 1307 companies for Intrinsic Value: Projected FCF. This places Oregon Pacific Bancorp in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. Oregon Pacific Bancorp's value of $17.71 is 2851.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,307 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current Intrinsic Value: Projected FCF of $17.71 is 2851.7% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current Intrinsic Value: Projected FCF is $17.71. 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 $15.58, compared to a current price of $12.40 — trading 20.4% below its estimated fair value. The current Intrinsic Value: Projected FCF is $17.71 and 2851.7% above the Banks industry median of 0.60. Oregon Pacific Bancorp's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current Intrinsic Value: Projected FCF is $17.71 as of Sep. 02, 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 $12.40 is trading 20.4% below its estimated GF Value™ of $15.58.
GuruFocus considers Oregon Pacific Bancorp to be Modestly Undervalued.
Key valuation signals for ORPB:
Intrinsic Value: Projected FCF: $17.71
GF Value™: $15.58 vs. price of $12.40 (20.4% below fair value)
Industry Position: 2851.7% above the Banks median (#822 of 1307)
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.
62GF Score
Get the complete analysis for ORPB
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ORPB has been successfully added to your 
