Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Oregon BancorpORBN +1.17%43 ROE % is 2.26% as of Mar. 2026, which is 88% below its 10-year median of 18.95. GuruFocus rates ORBN with a GF Score™ of 43/100 and a GF Value™ of $16.28 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,520 Banks companies, Oregon Bancorp ranks worse than 86.25% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Oregon Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $1.72 Mil. Oregon Bancorp's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $76.28 Mil. Therefore, Oregon Bancorp's annualized ROE % for the quarter that ended in Mar. 2026 was 2.26%.
The historical rank and industry rank for Oregon Bancorp's ROE % or its related term are showing as below:
ORBN'
s ROE % Range Over the Past 10 Years
Min: 4.14 Med: 18.95 Max: 55.95
Current: 4.14
During the past 13 years, Oregon Bancorp's highest ROE % was 55.95%. The lowest was 4.14%. And the median was 18.95%.
ORBN's ROE % is ranked worse than 86.25% of 1520
companies
in the Banks industry
Industry Median: 10.255
vs ORBN: 4.14
Oregon Bancorp (OTCPK:ORBN) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Oregon Bancorp ROE % Related Terms
Oregon Bancorp ROE % Historical Data
* Premium members only.
The historical data trend for Oregon Bancorp's ROE % 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.
For the Banks - Regional subindustry, Oregon Bancorp's ROE %, along with its competitors' market caps and ROE % 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 Bancorp ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Oregon Bancorp's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Oregon Bancorp (ORBN) has a ROE % of 2.26% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Oregon Bancorp and its competitors. This is 88% below median its historical median of 18.95. Over the past decade, Oregon Bancorp's ROE % has ranged from 4.14 to 55.95. According to the industry distribution chart, Oregon Bancorp ranks #1311 out of 1520 companies in the Banks industry, placing it in the top 86.2%.
Is Oregon Bancorp's ROE % too high?
Oregon Bancorp's current ROE % of 2.26% is 88% below median its 10-year median of 18.95. Over the past 10 years, this metric has ranged from a low of 4.14 to a high of 55.95. The Banks industry median ROE % is 10.26. Oregon Bancorp's value of 2.26% is 78% below this industry median. Based on the distribution chart, Oregon Bancorp ranks #1311 out of 1520 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Oregon Bancorp has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oregon Bancorp's ROE % compare to MNMB and NSTS?
According to the Banks industry distribution chart, Oregon Bancorp ranks #1311 out of 1520 companies for ROE %. This places Oregon Bancorp in the lower half of its industry. The industry median ROE % is 10.26. Oregon Bancorp's value of 2.26% is 78% below this benchmark. Historically, Oregon Bancorp's own ROE % has ranged from 4.14 to 55.95 over the past decade. While the company's 10-year median is 18.95 vs. the industry median of 10.26, Oregon 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.26, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oregon Bancorp's current ROE % of 2.26% is 78% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Oregon Bancorp and its competitors. For the Banks industry, the median ROE % is 10.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oregon Bancorp's current ROE % is 2.26%, which is 88% below median its own 10-year median of 18.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oregon Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Oregon Bancorp (ORBN) is currently considered Significantly Overvalued. The stock's GF Value™ is $16.28, compared to a current price of $40.49 — trading 148.7% above its estimated fair value. The current ROE % is 2.26%, which is 88% below median its 10-year median of 18.95 and 78% below the Banks industry median of 10.26. Oregon Bancorp's overall GF Score™ is 43/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Oregon Bancorp (ORBN), the current ROE % is 2.26% as of Mar. 2026. 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 Bancorp (ORBN) Overvalued in 2026?
Based on GuruFocus' analysis, Oregon Bancorp stock appears to be overvalued.
The current stock price of $40.49 is trading 148.7% above its estimated GF Value™ of $16.28.
GuruFocus considers Oregon Bancorp to be Significantly Overvalued.
Key valuation signals for ORBN:
ROE %: 2.26% (88% below median its 10-year median of 18.95)
GF Value™: $16.28 vs. price of $40.49 (148.7% above fair value)
Industry Position: 78% below the Banks median (#1311 of 1520)
No single metric tells the full story. See the ORBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oregon Bancorp Inc is a bank holding company. It offers retail and commercial banking services such as checking, savings, loans, mobile banking, online banking, wire transfer, ACH services, debit card, automated teller machines, and safe deposit boxes, among others. It has two segments: Community Banking and Home Mortgage Lending. The bank generates its revenue in the form of interest income.
43GF Score
Get the complete analysis for ORBN
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ORBN has been successfully added to your 
