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Oregon Pacific BancorpORPB +0.41%68 Pretax Margin % is 32.52% as of Dec. 2025, which is 58% above its 10-year median of 20.58. 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 57.27% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Oregon Pacific Bancorp Pretax Margin % Related Terms
Oregon Pacific Bancorp Pretax Margin % Historical Data
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The historical data trend for Oregon Pacific Bancorp's Pretax Margin % 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.
ORPB vs CZBC, MCBK, SLRK: Pretax Margin % Comparison
For the Banks - Regional subindustry, Oregon Pacific Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's Pretax 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 Pretax Margin % of 32.52% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Oregon Pacific Bancorp and its competitors. This is 58% above median its historical median of 20.58. According to the industry distribution chart, Oregon Pacific Bancorp ranks #874 out of 1526 companies in the Banks industry, placing it in the top 57.3%.
Is Oregon Pacific Bancorp's Pretax Margin % too high?
Oregon Pacific Bancorp's current Pretax Margin % of 32.52% is 58% above median its 10-year median of 20.58. The Banks industry median Pretax Margin % is 35.25. Oregon Pacific Bancorp's value of 32.52% is 7.7% below this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #874 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 Pretax Margin % compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #874 out of 1526 companies for Pretax Margin %. This places Oregon Pacific Bancorp in the lower half of its industry. The industry median Pretax Margin % is 35.25. Oregon Pacific Bancorp's value of 32.52% is 7.7% below this benchmark. While the company's 10-year median is 20.58 vs. the industry median of 35.25, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.25, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current Pretax Margin % of 32.52% is 7.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 35.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current Pretax Margin % is 32.52%, which is 58% above median its own 10-year median of 20.58. 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 Pretax Margin % is 32.52%, which is 58% above median its 10-year median of 20.58 and 7.7% below the Banks industry median of 35.25. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current Pretax Margin % is 32.52% 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:
Pretax Margin %: 32.52% (58% above median its 10-year median of 20.58)
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
Industry Position: 7.7% below the Banks median (#874 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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