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.
Oak Ridge Financial ServicesBKOR 61 Net Debt Paydown Yield % is 14.84% as of Jul. 29, 2026, which is 368% above its 10-year median of 3.17. GuruFocus rates BKOR with a GF Score™ of 61/100 and a GF Value™ of $22.48 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,417 Banks companies, Oak Ridge Financial Services ranks better than 87.3% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Oak Ridge Financial Services's Net Debt Paydown Yield % was 14.84%.
Oak Ridge Financial Services (OTCPK:BKOR) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
* 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.
Oak Ridge Financial Services Net Debt Paydown Yield % Chart
BKOR vs SLRK, MCBK, ORPB: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, Oak Ridge Financial Services's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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.
Oak Ridge Financial Services Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Oak Ridge Financial Services's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Oak Ridge Financial Services's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 14.84% mean?
Oak Ridge Financial Services (BKOR) has a Net Debt Paydown Yield % of 14.84% as of Jul. 29, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Oak Ridge Financial Services and its competitors. This is 368% above median its historical median of 3.17. According to the industry distribution chart, Oak Ridge Financial Services ranks #180 out of 1417 companies in the Banks industry, placing it in the top 12.7%.
Is Oak Ridge Financial Services' Net Debt Paydown Yield % too high?
Oak Ridge Financial Services' current Net Debt Paydown Yield % of 14.84% is 368% above median its 10-year median of 3.17. Based on the distribution chart, Oak Ridge Financial Services ranks #180 out of 1417 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Oak Ridge Financial Services has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oak Ridge Financial Services' Net Debt Paydown Yield % compare to SLRK and MCBK?
According to the Banks industry distribution chart, Oak Ridge Financial Services ranks #180 out of 1417 companies for Net Debt Paydown Yield %. This places Oak Ridge Financial Services in the top 13% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Oak Ridge Financial Services and its competitors. Oak Ridge Financial Services's current Net Debt Paydown Yield % is 14.84%, which is 368% above median its own 10-year median of 3.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oak Ridge Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Oak Ridge Financial Services (BKOR) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.48, compared to a current price of $31.50 — trading 40.1% above its estimated fair value. The current Net Debt Paydown Yield % is 14.84%, which is 368% above median its 10-year median of 3.17. Oak Ridge Financial Services' overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Oak Ridge Financial Services (BKOR), the current Net Debt Paydown Yield % is 14.84% as of Jul. 29, 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 Oak Ridge Financial Services (BKOR) Overvalued in 2026?
Based on GuruFocus' analysis, Oak Ridge Financial Services stock appears to be overvalued.
The current stock price of $31.50 is trading 40.1% above its estimated GF Value™ of $22.48.
GuruFocus considers Oak Ridge Financial Services to be Significantly Overvalued.
Key valuation signals for BKOR:
Net Debt Paydown Yield %: 14.84% (368% above median its 10-year median of 3.17)
GF Value™: $22.48 vs. price of $31.50 (40.1% above fair value)
No single metric tells the full story. See the BKOR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oak Ridge Financial Services Inc is a bank holding company. Along with its banking subsidiary, it offers financial services such as accepting a full range of deposit products and originating commercial and consumer loans, providing online banking services, etc., through its branch network located in Guilford County, North Carolina.
61GF Score
Get the complete analysis for BKOR
Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BKOR has been successfully added to your 
