ORPB (Oregon Pacific Bancorp) Scaled Net Operating Assets: -0.10 (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 Scaled Net Operating Assets?

Oregon Pacific Bancorp ORPB +0.41% 68 Scaled Net Operating Assets is -0.10 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Oregon Pacific Bancorp's operating assets for the quarter that ended in Dec. 2025 was $633.82 Mil. Oregon Pacific Bancorp's operating liabilities for the quarter that ended in Dec. 2025 was $707.85 Mil. Oregon Pacific Bancorp's Total Assets for the quarter that ended in Dec. 2024 was $776.45 Mil. Therefore, Oregon Pacific Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.10.

ORPB
68GF Score
Oregon Pacific Bancorp ORPB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Oregon Pacific Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Oregon Pacific Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(783.831-707.852)/776.449
=0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=812.216 - 28.385
=783.831

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=734.403 - 26.551 - 0
=707.852

Oregon Pacific Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(633.824-707.852)/776.449
=-0.10

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=812.216 - 178.392
=633.824

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=734.403 - 26.551 - 0
=707.852

* 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 Scaled Net Operating Assets of -0.10 mean?
Oregon Pacific Bancorp (ORPB) has a Scaled Net Operating Assets of -0.10 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Oregon Pacific Bancorp and its competitors.
Is Oregon Pacific Bancorp's Scaled Net Operating Assets too high?
Oregon Pacific Bancorp's current Scaled Net Operating Assets is -0.10. 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 Scaled Net Operating Assets compare to CZBC and MCBK?
Oregon Pacific Bancorp's Scaled Net Operating Assets of -0.10 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Oregon Pacific Bancorp and its competitors. Oregon Pacific Bancorp's current Scaled Net Operating Assets is -0.10. 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 Scaled Net Operating Assets is -0.10. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Oregon Pacific Bancorp (ORPB), the current Scaled Net Operating Assets is -0.10 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:

  • Scaled Net Operating Assets: -0.10
  • 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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.25
Price
$15.33
GF Value