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Oregon Pacific BancorpORPB 67 Forward Rate of Return (Yacktman) % is 26.89% as of Dec. 2025, which is 216% above its 10-year median of 8.52. GuruFocus rates ORPB with a GF Score™ of 67/100 and a GF Value™ of $15.46 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,420 Banks companies, Oregon Pacific Bancorp ranks better than 77.61% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Oregon Pacific Bancorp's forward rate of return for was 26.89%.
The historical rank and industry rank for Oregon Pacific Bancorp's Forward Rate of Return (Yacktman) % or its related term are showing as below:
ORPB'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -11.29 Med: 8.52 Max: 27.38
Current: 26.36
During the past 13 years, Oregon Pacific Bancorp's highest Forward Rate of Return was 27.38. The lowest was -11.29. And the median was 8.52.
ORPB's Forward Rate of Return (Yacktman) % is ranked better than 77.61% of 1420
companies
in the Banks industry
Industry Median: 15.405
vs ORPB: 26.36
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
Oregon Pacific Bancorp Forward Rate of Return (Yacktman) % Related Terms
Oregon Pacific Bancorp Forward Rate of Return (Yacktman) % Historical Data
* Premium members only.
The historical data trend for Oregon Pacific Bancorp's Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % Chart
ORPB vs CZBC, MCBK, SLRK: Forward Rate of Return (Yacktman) % Comparison
For the Banks - Regional subindustry, Oregon Pacific Bancorp's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's Forward Rate of Return (Yacktman) % falls into.
Oregon Pacific Bancorp Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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.
What does a Forward Rate of Return (Yacktman) % of 26.89% mean?
Oregon Pacific Bancorp (ORPB) has a Forward Rate of Return (Yacktman) % of 26.89% as of Dec. 2025. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Oregon Pacific Bancorp and its competitors. This is 216% above median its historical median of 8.52. According to the industry distribution chart, Oregon Pacific Bancorp ranks #318 out of 1420 companies in the Banks industry, placing it in the top 22.4%.
Is Oregon Pacific Bancorp's Forward Rate of Return (Yacktman) % too high?
Oregon Pacific Bancorp's current Forward Rate of Return (Yacktman) % of 26.89% is 216% above median its 10-year median of 8.52. The Banks industry median Forward Rate of Return (Yacktman) % is 15.41. Oregon Pacific Bancorp's value of 26.89% is 74.6% above this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #318 out of 1420 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 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Oregon Pacific Bancorp's Forward Rate of Return (Yacktman) % compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #318 out of 1420 companies for Forward Rate of Return (Yacktman) %. This places Oregon Pacific Bancorp in the top 22% of its industry — outperforming the majority of peers. The industry median Forward Rate of Return (Yacktman) % is 15.41. Oregon Pacific Bancorp's value of 26.89% is 74.6% above this benchmark. While the company's 10-year median is 8.52 vs. the industry median of 15.41, 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 Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.41, based on 1,420 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current Forward Rate of Return (Yacktman) % of 26.89% is 74.6% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current Forward Rate of Return (Yacktman) % is 26.89%, which is 216% above median its own 10-year median of 8.52. 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 $15.46, compared to a current price of $12.25 — trading 20.8% below its estimated fair value. The current Forward Rate of Return (Yacktman) % is 26.89%, which is 216% above median its 10-year median of 8.52 and 74.6% above the Banks industry median of 15.41. Oregon Pacific Bancorp's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current Forward Rate of Return (Yacktman) % is 26.89% 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 20.8% below its estimated GF Value™ of $15.46.
GuruFocus considers Oregon Pacific Bancorp to be Modestly Undervalued.
Key valuation signals for ORPB:
Forward Rate of Return (Yacktman) %: 26.89% (216% above median its 10-year median of 8.52)
GF Value™: $15.46 vs. price of $12.25 (20.8% below fair value)
Industry Position: 74.6% above the Banks median (#318 of 1420)
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.
67GF Score
Get the complete analysis for ORPB
Forward Rate of Return (Yacktman) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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