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Oregon Pacific BancorpORPB +0.41%68 Net Margin % is 24.43% as of Dec. 2025, which is 107% above its 10-year median of 11.80. 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 1,526 Banks companies, Oregon Pacific Bancorp ranks worse than 58.45% on this metric.
The historical rank and industry rank for Oregon Pacific Bancorp's Net Margin % or its related term are showing as below:
ORPB'
s Net Margin % Range Over the Past 10 Years
Min: -3 Med: 11.8 Max: 24.43
Current: 24.43
ORPB's Net Margin % is ranked worse than 58.45% of 1526
companies
in the Banks industry
Industry Median: 27.05
vs ORPB: 24.43
Oregon Pacific Bancorp (OTCPK:ORPB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Oregon Pacific Bancorp Net Margin % Related Terms
Oregon Pacific Bancorp Net Margin % 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.
For the Banks - Regional subindustry, Oregon Pacific Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's Net Margin % 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 Net Margin % of 24.43% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Oregon Pacific Bancorp and its competitors. This is 107% above median its historical median of 11.80. According to the industry distribution chart, Oregon Pacific Bancorp ranks #892 out of 1526 companies in the Banks industry, placing it in the top 58.5%.
Is Oregon Pacific Bancorp's Net Margin % too high?
Oregon Pacific Bancorp's current Net Margin % of 24.43% is 107% above median its 10-year median of 11.80. The Banks industry median Net Margin % is 27.05. Oregon Pacific Bancorp's value of 24.43% is 9.7% below this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #892 out of 1526 companies in the Banks industry, which is below 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 Net Margin % compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #892 out of 1526 companies for Net Margin %. This places Oregon Pacific Bancorp in the lower half of its industry. The industry median Net Margin % is 27.05. Oregon Pacific Bancorp's value of 24.43% is 9.7% below this benchmark. While the company's 10-year median is 11.80 vs. the industry median of 27.05, Oregon Pacific Bancorp has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.05, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current Net Margin % of 24.43% is 9.7% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current Net Margin % is 24.43%, which is 107% above median its own 10-year median of 11.80. 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 Net Margin % is 24.43%, which is 107% above median its 10-year median of 11.80 and 9.7% below the Banks industry median of 27.05. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current Net Margin % is 24.43% 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:
Net Margin %: 24.43% (107% above median its 10-year median of 11.80)
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
Industry Position: 9.7% below the Banks median (#892 of 1526)
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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