ORPB (Oregon Pacific Bancorp) ROE % Adjusted to Book Value: 11.52% (As of Dec. 2025)

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ORPB Oregon Pacific Bancorp ORPB
68 GF Score
Price $12.25
GF Value $15.33
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Oregon Pacific Bancorp ROE % Adjusted to Book Value?

Oregon Pacific Bancorp ORPB +0.41% 68 ROE % Adjusted to Book Value is 11.52% as of Dec. 2025. 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.

Oregon Pacific Bancorp's ROE % for the quarter that ended in Dec. 2025 was 11.98%. Oregon Pacific Bancorp's PB Ratio for the quarter that ended in Dec. 2025 was 1.04. Oregon Pacific Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 11.52%.


Oregon Pacific Bancorp ROE % Adjusted to Book Value Related Terms


Oregon Pacific Bancorp ROE % Adjusted to Book Value Historical Data

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The historical data trend for Oregon Pacific Bancorp's ROE % Adjusted to Book 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 ROE % Adjusted to Book Value Chart

Oregon Pacific Bancorp Annual Data
Trend Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.26 8.11 8.60 16.84 11.52

Oregon Pacific Bancorp Semi-Annual Data
Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.26 8.11 8.60 16.84 11.52

ORPB vs CZBC, MCBK, SLRK: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Oregon Pacific Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Oregon Pacific Bancorp's ROE % Adjusted to Book Value falls into.


ORPB
68GF Score
Oregon Pacific Bancorp ORPB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Oregon Pacific Bancorp ROE % Adjusted to Book Value Calculation

Oregon Pacific Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.98% / 1.04
=11.52%

Oregon Pacific Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.98% / 1.04
=11.52%

* 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 ROE % Adjusted to Book Value of 11.52% mean?
Oregon Pacific Bancorp (ORPB) has a ROE % Adjusted to Book Value of 11.52% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Oregon Pacific Bancorp and its competitors.
Is Oregon Pacific Bancorp's ROE % Adjusted to Book Value too high?
Oregon Pacific Bancorp's current ROE % Adjusted to Book Value is 11.52%. 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 ROE % Adjusted to Book Value compare to CZBC and MCBK?
Oregon Pacific Bancorp's ROE % Adjusted to Book Value of 11.52% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Oregon Pacific Bancorp and its competitors. Oregon Pacific Bancorp's current ROE % Adjusted to Book Value is 11.52%. 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 $15.33, compared to a current price of $12.25 — trading 20.1% below its estimated fair value. The current ROE % Adjusted to Book Value is 11.52%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current ROE % Adjusted to Book Value is 11.52% 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:

  • ROE % Adjusted to Book Value: 11.52%
  • GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
  • GF Score™: 68/100 with 3 warning signs

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 Business Description

Address 1365 Highway 101, Florence, OR, USA, 97439
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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.25
Price
$15.33
GF Value