Oregon Pacific Bancorp

ORPB US

ORPB USOregon Pacific Bancorp

United States Composite

6.99

USD

-0.01

(-0.14%)

0.67EPS Dil.

5.30P/E

48.93MMarket Cap

Oregon Pacific Bancorp

ORPB:US

(United States Composite)

Recent

price

6.99

P/E

ratio

5.30

div

yld

- -

ROIC.AI

Legends:

Stock price

Beta (1.0 Market)

% total return 06/14

Stock

S&P500

2002	2003	2004	2005	2006	2007	2008	2009	2012	2013	2014	2015	2016	2017	2018	2019	Invalid Date
3.23	3.77	4.1	4.89	5.13	4.97	4.25	3.85	2.81	2.15	2.07	2.17	2.39	2.65	2.01	2.38	4.44	Revenue per Share
0.39	0.45	0.49	0.87	0.91	0.84	0.44	-0.79	0.02	0.09	-0.06	0.17	0.26	0.31	0.37	0.5	1.32	Basic EPS, GAAP
0.6	0.39	1.41	1.05	-0.09	0.83	1.11	0.51	0.43	0.54	0.16	0.05	0.38	0.69	0.42	0.62	- -	Free Cash Flow per Basic Share
0.12	0.11	0.12	0.14	0.18	0.21	0.19	0.04	- -	- -	- -	- -	- -	- -	- -	- -	- -	Dividend per Share
1.72	3.79	3.97	4.74	3.11	3.63	6.07	5.23	5.17	3.84	3.98	3.88	4.14	6.67	4.78	5.28	8.89	Book Value per Share
3.7	3.98	4.06	4.75	5.28	5.93	6	5.2	5.21	3.81	3.98	3.87	4.06	6.63	4.68	5.36	7.13	Tangible Book Value per Share
2	2	2	2	2	2	2	2	3	4	4	4	4	5	7	7	4	Basic Weighted Avg Shares
7	8	9	10	11	11	9	8	8	9	8	9	10	12	14	17	16	Sales/Revenue/Turnover
15.79	16.64	17.76	26.47	27.52	24.42	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	Operating Margin (%)
- -	- -	- -	- -	1	1	1	1	1	1	- -	1	1	1	1	1	- -	Depreciation Expense
1	1	1	2	2	2	1	-2	- -	- -	- -	1	1	1	3	4	5	Net Income, GAAP
23.47	28.18	32.65	32.8	35.54	31.04	31.22	- -	- -	10.34	- -	19.87	34.89	49.47	23.4	24.58	25.62	Effective Tax Rate (%)
12.08	11.95	11.96	17.79	17.74	16.84	10.43	-20.5	0.69	4.12	-2.99	7.7	10.98	11.68	18.6	21.2	29.7	Profit Margin (%)
11	9	- -	9	11	11	15	27	52	49	41	46	57	57	42	50	20	Working Capital
- -	12	11	13	16	15	19	18	11	11	9	9	9	7	4	4	24	LT Debt
8	9	9	10	12	13	13	12	15	15	16	16	18	30	33	37	51	Total Equity
7.35	6.43	4.69	7.36	7.45	6.62	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	Return on Invested Capital (%)
-6.79	-1.22	0.3	1.31	-0.53	-3.03	-4.15	- -	- -	-1.37	- -	1.43	3.2	3.51	5.33	6.41	5.44	Return on Capital (%)
23.82	16.17	12.62	19.72	23.32	24.94	9.11	-13.96	0.43	2.33	-1.58	4.41	6.6	5.87	8.16	10.04	13.15	Return on Common Equity (%)

Capital Structure

•

in mil. unless spec.

Working Capital

•

in mil. unless spec.

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)	10 years	5 years	1 year
Sales/Revenue/Turnover	4.89%	15.14%	18.49%
Net Income, GAAP	-25.92%	-37.42%	35.02%
Free Cash Flow	77.57%	156.38%	46.19%
Total Cash Common Dividend	- -	- -	- -
Total Equity	12.77%	21.18%	14.54%

Growth Rates

•

in mil. unless spec.

Quarterly Revenue

•

in mil. unless spec.

Quarterly Earnings Per Share

•

in mil. unless spec.

Quarterly Dividends Per Share

•

in mil. unless spec.

Business: Oregon Pacific Bancorp operates as the bank holding company for Oregon Pacific Banking Company that provides various banking products and services to individual and business customers in the United States. The company's deposit products include checking, savings, money market, and time deposit accounts. It also provides mortgage loans; real estate construction loans; commercial loans, including operating lines of credit, equipment, accounts receivable, and inventory financing; and commercial real estate loans for the construction, purchasing, and refinancing of commercial and rental properties. In addition, the company offers secured and unsecured personal loans, home equity and personal lines of credit, and motor vehicle loans, as well as debit cards. Further, it provides trust and asset management services; and other services, including safe deposit boxes, letters of credit, travelers' checks, direct deposit of payroll, social security and dividend payments, and automatic payment of insurance premiums and mortgage loans, as well as online and mobile banking, and overdraft protection services. It operates through full-service branches in Florence, Eugene, Coos Bay, Roseburg, and Medford; and offers trust services in Florence, Coos Bay, Medford, and Eugene. Oregon Pacific Bancorp was founded in 1979 and is headquartered in Florence, Oregon.

	Mar'08	Invalid Date	Invalid Date
Total Current Assets	10	- -	20
Accounts Receivable, Net	3	- -	- -
Cash, Cash Equivalents & STI	8	- -	20
Inventories	- -	- -	- -
Total Current Liabilities	1	- -	- -
Payables & Accruals	1	- -	- -
ST Debt	- -	- -	- -
Deferred Revenue	- -	- -	- -

Year	Q1	Q2	Q3	Q4	FY
No results.

Year	Q1	Q2	Q3	Q4	FY
No results.

Year	Q1	Q2	Q3	Q4	FY
No results.

	Mar'08	Invalid Date	Invalid Date
ST Debt	- -	- -	- -
LT Borrowings	20	- -	24
LT Finance Leases	- -	- -	- -
Preferred Equity and Hybrid Capital	- -	- -	- -
Shares Outstanding	2	7	7
Market Capitalization	21	45	48

2002	2003	2004	2005	2006	2007	2008	2009	2012	2013	2014	2015	2016	2017	2018	2019	Invalid Date
3.23	3.77	4.1	4.89	5.13	4.97	4.25	3.85	2.81	2.15	2.07	2.17	2.39	2.65	2.01	2.38	4.44	Revenue per Share
0.39	0.45	0.49	0.87	0.91	0.84	0.44	-0.79	0.02	0.09	-0.06	0.17	0.26	0.31	0.37	0.5	1.32	Basic EPS, GAAP
0.6	0.39	1.41	1.05	-0.09	0.83	1.11	0.51	0.43	0.54	0.16	0.05	0.38	0.69	0.42	0.62	- -	Free Cash Flow per Basic Share
0.12	0.11	0.12	0.14	0.18	0.21	0.19	0.04	- -	- -	- -	- -	- -	- -	- -	- -	- -	Dividend per Share
1.72	3.79	3.97	4.74	3.11	3.63	6.07	5.23	5.17	3.84	3.98	3.88	4.14	6.67	4.78	5.28	8.89	Book Value per Share
3.7	3.98	4.06	4.75	5.28	5.93	6	5.2	5.21	3.81	3.98	3.87	4.06	6.63	4.68	5.36	7.13	Tangible Book Value per Share
2	2	2	2	2	2	2	2	3	4	4	4	4	5	7	7	4	Basic Weighted Avg Shares
7	8	9	10	11	11	9	8	8	9	8	9	10	12	14	17	16	Sales/Revenue/Turnover
15.79	16.64	17.76	26.47	27.52	24.42	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	Operating Margin (%)
- -	- -	- -	- -	1	1	1	1	1	1	- -	1	1	1	1	1	- -	Depreciation Expense
1	1	1	2	2	2	1	-2	- -	- -	- -	1	1	1	3	4	5	Net Income, GAAP
23.47	28.18	32.65	32.8	35.54	31.04	31.22	- -	- -	10.34	- -	19.87	34.89	49.47	23.4	24.58	25.62	Effective Tax Rate (%)
12.08	11.95	11.96	17.79	17.74	16.84	10.43	-20.5	0.69	4.12	-2.99	7.7	10.98	11.68	18.6	21.2	29.7	Profit Margin (%)
11	9	- -	9	11	11	15	27	52	49	41	46	57	57	42	50	20	Working Capital
- -	12	11	13	16	15	19	18	11	11	9	9	9	7	4	4	24	LT Debt
8	9	9	10	12	13	13	12	15	15	16	16	18	30	33	37	51	Total Equity
7.35	6.43	4.69	7.36	7.45	6.62	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	Return on Invested Capital (%)
-6.79	-1.22	0.3	1.31	-0.53	-3.03	-4.15	- -	- -	-1.37	- -	1.43	3.2	3.51	5.33	6.41	5.44	Return on Capital (%)
23.82	16.17	12.62	19.72	23.32	24.94	9.11	-13.96	0.43	2.33	-1.58	4.41	6.6	5.87	8.16	10.04	13.15	Return on Common Equity (%)