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Oregon Pacific BancorpORPB +0.41%68 Return-on-Tangible-Asset is 1.08% as of Dec. 2025, which is 96% above its 10-year median of 0.55. 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 1,528 Banks companies, Oregon Pacific Bancorp ranks better than 55.3% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Oregon Pacific Bancorp's annualizedNet Income for the quarter that ended in Dec. 2025 was $8.57 Mil. Oregon Pacific Bancorp's average total tangible assets for the quarter that ended in Dec. 2025 was $794.33 Mil. Therefore, Oregon Pacific Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 1.08%.
The historical rank and industry rank for Oregon Pacific Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
ORPB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.14 Med: 0.55 Max: 1.32
Current: 1.08
During the past 13 years, Oregon Pacific Bancorp's highest Return-on-Tangible-Asset was 1.32%. The lowest was -0.14%. And the median was 0.55%.
ORPB's Return-on-Tangible-Asset is ranked better than 55.3% of 1528
companies
in the Banks industry
Industry Median: 1.005
vs ORPB: 1.08
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Oregon Pacific Bancorp Return-on-Tangible-Asset Related Terms
Oregon Pacific Bancorp Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Oregon Pacific Bancorp's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Oregon Pacific Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 1.08% mean?
Oregon Pacific Bancorp (ORPB) has a Return-on-Tangible-Asset of 1.08% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Oregon Pacific Bancorp and its competitors. This is 96% above median its historical median of 0.55. According to the industry distribution chart, Oregon Pacific Bancorp ranks #683 out of 1528 companies in the Banks industry, placing it in the top 44.7%.
Is Oregon Pacific Bancorp's Return-on-Tangible-Asset too high?
Oregon Pacific Bancorp's current Return-on-Tangible-Asset of 1.08% is 96% above median its 10-year median of 0.55. The Banks industry median Return-on-Tangible-Asset is 1.01. Oregon Pacific Bancorp's value of 1.08% is 7.5% above this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #683 out of 1528 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 Return-on-Tangible-Asset compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #683 out of 1528 companies for Return-on-Tangible-Asset. This puts Oregon Pacific Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Oregon Pacific Bancorp's value of 1.08% is 7.5% above this benchmark. While the company's 10-year median is 0.55 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current Return-on-Tangible-Asset of 1.08% is 7.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current Return-on-Tangible-Asset is 1.08%, which is 96% above median its own 10-year median of 0.55. 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 Return-on-Tangible-Asset is 1.08%, which is 96% above median its 10-year median of 0.55 and 7.5% above the Banks industry median of 1.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current Return-on-Tangible-Asset is 1.08% 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:
Return-on-Tangible-Asset: 1.08% (96% above median its 10-year median of 0.55)
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
Industry Position: 7.5% above the Banks median (#683 of 1528)
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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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