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Oregon Pacific BancorpORPB +0.41%68 ROA % 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 56.02% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Oregon Pacific Bancorp's annualizedNet Income for the quarter that ended in Dec. 2025 was $8.57 Mil.
Oregon Pacific Bancorp's average Total Assets over the quarter that ended in Dec. 2025 was $794.33 Mil. Therefore, Oregon Pacific Bancorp's annualized ROA % for the quarter that ended in Dec. 2025 was 1.08%.
The historical rank and industry rank for Oregon Pacific Bancorp's ROA % or its related term are showing as below:
ORPB'
s ROA % 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 ROA % was 1.32%. The lowest was -0.14%. And the median was 0.55%.
ORPB's ROA % is ranked better than 56.02% of 1528
companies
in the Banks industry
Industry Median: 1
vs ORPB: 1.08
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Oregon Pacific Bancorp (ORPB) has a ROA % of 1.08% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total 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 #672 out of 1528 companies in the Banks industry, placing it in the top 44%.
Is Oregon Pacific Bancorp's ROA % too high?
Oregon Pacific Bancorp's current ROA % of 1.08% is 96% above median its 10-year median of 0.55. The Banks industry median ROA % is 1.00. Oregon Pacific Bancorp's value of 1.08% is 8% above this industry median. Based on the distribution chart, Oregon Pacific Bancorp ranks #672 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 ROA % compare to CZBC and MCBK?
According to the Banks industry distribution chart, Oregon Pacific Bancorp ranks #672 out of 1528 companies for ROA %. This puts Oregon Pacific Bancorp in the upper half of its industry. The industry median ROA % is 1.00. Oregon Pacific Bancorp's value of 1.08% is 8% above this benchmark. While the company's 10-year median is 0.55 vs. the industry median of 1.00, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Pacific Bancorp's current ROA % of 1.08% is 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Oregon Pacific Bancorp and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Pacific Bancorp's current ROA % 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 ROA % is 1.08%, which is 96% above median its 10-year median of 0.55 and 8% above the Banks industry median of 1.00. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current ROA % 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:
ROA %: 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: 8% above the Banks median (#672 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
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