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Oregon Pacific BancorpORPB +0.41%68 Peter Lynch Fair Value is $29.75 as of Jul. 30, 2026, which is 8650% above its 10-year median of 0.34. 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 874 Banks companies, Oregon Pacific Bancorp ranks better than 89.13% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Oregon Pacific Bancorp's PEG is 1. Oregon Pacific Bancorp's 5-Year TTM Book Value Growth Rate is 25.
Oregon Pacific Bancorp's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $1.19. Therefore, the Peter Lynch Fair Value for today is $29.75.
The historical rank and industry rank for Oregon Pacific Bancorp's Peter Lynch Fair Value or its related term are showing as below:
ORPB'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.3 Med: 0.34 Max: 0.41
Current: 0.41
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Oregon Pacific Bancorp was 0.41. The lowest was 0.30. And the median was 0.34.
ORPB's Price-to-Peter-Lynch-Fair-Value is ranked better than 89.13% of 874
companies
in the Banks industry
Industry Median: 1.115
vs ORPB: 0.41
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Oregon Pacific Bancorp (OTCPK:ORPB) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 25 instead of 15 in this case.
Oregon Pacific Bancorp's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
12.25
/
29.75
=
0.41
* 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 Peter Lynch Fair Value Related Terms
Oregon Pacific Bancorp Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for Oregon Pacific Bancorp's Peter Lynch Fair Value 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 Peter Lynch Fair Value Chart
ORPB vs CZBC, MCBK, SLRK: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, Oregon Pacific Bancorp's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's Price-to-Peter-Lynch-Fair-Value falls into.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Oregon Pacific Bancorp's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $1.19.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $29.75 mean?
Oregon Pacific Bancorp (ORPB) has a Peter Lynch Fair Value of $29.75 as of Jul. 30, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Oregon Pacific Bancorp and its competitors. This is 8650% above median its historical median of 0.34. Over the past decade, Oregon Pacific Bancorp's Peter Lynch Fair Value has ranged from 0.30 to 0.41. According to the industry distribution chart, Oregon Pacific Bancorp ranks #95 out of 874 companies in the Banks industry, placing it in the top 10.9%.
Is Oregon Pacific Bancorp's Peter Lynch Fair Value too high?
Oregon Pacific Bancorp's current Peter Lynch Fair Value of $29.75 is 8650% above median its 10-year median of 0.34. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 0.41. The Banks industry median Peter Lynch Fair Value is 1.12. Oregon Pacific Bancorp's value of $29.75 is 2568.2% above this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #95 out of 874 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Peter Lynch Fair Value compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #95 out of 874 companies for Peter Lynch Fair Value. This places Oregon Pacific Bancorp in the top 11% of its industry — outperforming the majority of peers. The industry median Peter Lynch Fair Value is 1.12. Oregon Pacific Bancorp's value of $29.75 is 2568.2% above this benchmark. Historically, Oregon Pacific Bancorp's own Peter Lynch Fair Value has ranged from 0.30 to 0.41 over the past decade. While the company's 10-year median is 0.34 vs. the industry median of 1.12, 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 Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.12, based on 874 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current Peter Lynch Fair Value of $29.75 is 2568.2% 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current Peter Lynch Fair Value is $29.75, which is 8650% above median its own 10-year median of 0.34. 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 Peter Lynch Fair Value is $29.75, which is 8650% above median its 10-year median of 0.34 and 2568.2% above the Banks industry median of 1.12. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current Peter Lynch Fair Value is $29.75 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:
Peter Lynch Fair Value: $29.75 (8650% above median its 10-year median of 0.34)
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
Industry Position: 2568.2% above the Banks median (#95 of 874)
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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