ORPB (Oregon Pacific Bancorp) LT-Debt-to-Total-Asset: 0.03 (As of Dec. 2025)

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ORPB Oregon Pacific Bancorp ORPB
68 GF Score
Price $12.25
GF Value $15.33
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Oregon Pacific Bancorp LT-Debt-to-Total-Asset?

Oregon Pacific Bancorp ORPB +0.41% 68 LT-Debt-to-Total-Asset is 0.03 as of Dec. 2025. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Oregon Pacific Bancorp's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.03.

Oregon Pacific Bancorp's long-term debt to total assets ratio increased from Dec. 2019 (0.01) to Dec. 2025 (0.03). It may suggest that Oregon Pacific Bancorp is progressively becoming more dependent on debt to grow their business.

Oregon Pacific Bancorp  (OTCPK:ORPB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Oregon Pacific Bancorp LT-Debt-to-Total-Asset Related Terms

Oregon Pacific Bancorp LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Oregon Pacific Bancorp's LT-Debt-to-Total-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.

Oregon Pacific Bancorp LT-Debt-to-Total-Asset Chart

Oregon Pacific Bancorp Annual Data
Trend Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.01 0.01 0.03 0.03

Oregon Pacific Bancorp Semi-Annual Data
Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec24 Dec25
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.03 0.01 0.01 0.03 0.03
ORPB
68GF Score
Oregon Pacific Bancorp ORPB
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Oregon Pacific Bancorp LT-Debt-to-Total-Asset Calculation

Oregon Pacific Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=26.551/812.216
=0.03

Oregon Pacific Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=26.551/812.216
=0.03

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.03 mean?
Oregon Pacific Bancorp (ORPB) has a LT-Debt-to-Total-Asset of 0.03 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Oregon Pacific Bancorp and its competitors.
Is Oregon Pacific Bancorp's LT-Debt-to-Total-Asset too high?
Oregon Pacific Bancorp's current LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset compare to CZBC and MCBK?
Oregon Pacific Bancorp's LT-Debt-to-Total-Asset of 0.03 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Oregon Pacific Bancorp and its competitors. Oregon Pacific Bancorp's current LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current LT-Debt-to-Total-Asset is 0.03 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:

  • LT-Debt-to-Total-Asset: 0.03
  • GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
  • GF Score™: 68/100 with 3 warning signs

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 Business Description

Address 1365 Highway 101, Florence, OR, USA, 97439
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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.25
Price
$15.33
GF Value