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Oregon Pacific BancorpORPB +0.41%68 OCF Margin % is 29.20% as of Dec. 2025, which is 11% above its 10-year median of 26.33. 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 1,498 Banks companies, Oregon Pacific Bancorp ranks better than 50.33% on this metric.
* 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's OCF 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 OCF Margin % of 29.20% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Oregon Pacific Bancorp and its competitors. This is 11% above median its historical median of 26.33. Over the past decade, Oregon Pacific Bancorp's OCF Margin % has ranged from 6.91 to 30.89. According to the industry distribution chart, Oregon Pacific Bancorp ranks #744 out of 1498 companies in the Banks industry, placing it in the top 49.7%.
Is Oregon Pacific Bancorp's OCF Margin % too high?
Oregon Pacific Bancorp's current OCF Margin % of 29.20% is 11% above median its 10-year median of 26.33. Over the past 10 years, this metric has ranged from a low of 6.91 to a high of 30.89. The Banks industry median OCF Margin % is 29.00. Oregon Pacific Bancorp's value of 29.20% is 0.7% above this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #744 out of 1498 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 OCF Margin % compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #744 out of 1498 companies for OCF Margin %. This puts Oregon Pacific Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.00. Oregon Pacific Bancorp's value of 29.20% is 0.7% above this benchmark. Historically, Oregon Pacific Bancorp's own OCF Margin % has ranged from 6.91 to 30.89 over the past decade. While the company's 10-year median is 26.33 vs. the industry median of 29.00, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current OCF Margin % of 29.20% is 0.7% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current OCF Margin % is 29.20%, which is 11% above median its own 10-year median of 26.33. 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 OCF Margin % is 29.20%, which is 11% above median its 10-year median of 26.33 and 0.7% above the Banks industry median of 29.00. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current OCF Margin % is 29.20% 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:
OCF Margin %: 29.20% (11% above median its 10-year median of 26.33)
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
Industry Position: 0.7% above the Banks median (#744 of 1498)
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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