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Oregon Pacific BancorpORPB +0.41%68 PB Ratio is 1.13 as of Jul. 30, 2026, which is 12% below its 10-year median of 1.28. 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 1,515 Banks companies, Oregon Pacific Bancorp ranks worse than 50.43% on this metric.
The historical rank and industry rank for Oregon Pacific Bancorp's PB Ratio or its related term are showing as below:
ORPB'
s PB Ratio Range Over the Past 10 Years
Min: 0.73 Med: 1.28 Max: 1.95
Current: 1.13
During the past 13 years, Oregon Pacific Bancorp's highest PB Ratio was 1.95. The lowest was 0.73. And the median was 1.28.
ORPB's PB Ratio is ranked worse than 50.43% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs ORPB: 1.13
During the past 12 months, Oregon Pacific Bancorp's average Book Value Per Share Growth Rate was 18.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 32.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 32.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Oregon Pacific Bancorp was 32.70% per year. The lowest was -30.00% per year. And the median was 6.80% per year.
Back to Basics: PB Ratio
Oregon Pacific Bancorp (OTCPK:ORPB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Oregon Pacific Bancorp (ORPB) has a PB Ratio of 1.13 as of Jul. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Oregon Pacific Bancorp and its competitors. This is 12% below median its historical median of 1.28. Over the past decade, Oregon Pacific Bancorp's PB Ratio has ranged from 0.73 to 1.95. According to the industry distribution chart, Oregon Pacific Bancorp ranks #764 out of 1515 companies in the Banks industry, placing it in the top 50.4%.
Is Oregon Pacific Bancorp's PB Ratio too high?
Oregon Pacific Bancorp's current PB Ratio of 1.13 is 12% below median its 10-year median of 1.28. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 1.95. The Banks industry median PB Ratio is 1.11. Oregon Pacific Bancorp's value of 1.13 is 1.8% above this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #764 out of 1515 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 PB Ratio compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #764 out of 1515 companies for PB Ratio. This places Oregon Pacific Bancorp in the lower half of its industry. The industry median PB Ratio is 1.11. Oregon Pacific Bancorp's value of 1.13 is 1.8% above this benchmark. Historically, Oregon Pacific Bancorp's own PB Ratio has ranged from 0.73 to 1.95 over the past decade. While the company's 10-year median is 1.28 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current PB Ratio of 1.13 is 1.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current PB Ratio is 1.13, which is 12% below median its own 10-year median of 1.28. 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 PB Ratio is 1.13, which is 12% below median its 10-year median of 1.28 and 1.8% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current PB Ratio is 1.13 as of Jul. 30, 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 $12.25 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:
PB Ratio: 1.13 (12% below median its 10-year median of 1.28)
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
Industry Position: 1.8% above the Banks median (#764 of 1515)
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
Get the complete analysis for ORPB
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