Oregon Pacific Bancorp
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 provides mortgage loans; business financing solutions, including lines of credit, term fina… Read more
Oregon Pacific Bancorp (ORPB) - Net Assets
Latest net assets as of June 2025: $71.16 Million USD
Based on the latest financial reports, Oregon Pacific Bancorp (ORPB) has net assets worth $71.16 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($805.26 Million) and total liabilities ($734.10 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $71.16 Million |
| % of Total Assets | 8.84% |
| Annual Growth Rate | 8.9% |
| 5-Year Change | 57.96% |
| 10-Year Change | 344.33% |
| Growth Volatility | 16.28 |
Oregon Pacific Bancorp - Net Assets Trend (1998–2025)
This chart illustrates how Oregon Pacific Bancorp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Oregon Pacific Bancorp (1998–2025)
The table below shows the annual net assets of Oregon Pacific Bancorp from 1998 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $77.81 Million | +19.18% |
| 2024-12-31 | $65.29 Million | +15.80% |
| 2023-12-31 | $56.38 Million | +22.33% |
| 2022-12-31 | $46.09 Million | -6.44% |
| 2021-12-31 | $49.26 Million | +16.52% |
| 2020-12-31 | $42.28 Million | +13.18% |
| 2019-12-31 | $37.35 Million | +14.54% |
| 2018-12-31 | $32.61 Million | +7.29% |
| 2017-12-31 | $30.39 Million | +73.56% |
| 2016-12-31 | $17.51 Million | +6.16% |
| 2015-12-31 | $16.50 Million | +4.35% |
| 2014-12-31 | $15.81 Million | +4.42% |
| 2013-12-31 | $15.14 Million | +0.76% |
| 2012-12-31 | $15.02 Million | +30.57% |
| 2009-12-31 | $11.51 Million | -13.68% |
| 2008-12-31 | $13.33 Million | -0.32% |
| 2007-12-31 | $13.37 Million | +12.36% |
| 2006-12-31 | $11.90 Million | +15.96% |
| 2005-12-31 | $10.26 Million | +15.42% |
| 2004-12-31 | $8.89 Million | +2.97% |
| 2003-12-31 | $8.64 Million | +9.41% |
| 2002-12-31 | $7.89 Million | +10.99% |
| 2001-12-31 | $7.11 Million | -7.83% |
| 2000-12-31 | $7.72 Million | +5.83% |
| 1999-12-31 | $7.29 Million | -6.44% |
| 1998-12-31 | $7.79 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Oregon Pacific Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 6017600000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $60.18 Million | 77.34% |
| Common Stock | $21.92 Million | 28.17% |
| Other Comprehensive Income | $-4.29 Million | -5.51% |
| Total Equity | $77.81 Million | 100.00% |
Oregon Pacific Bancorp Competitors by Market Cap
The table below lists competitors of Oregon Pacific Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Groupe Sfpi
PA:SFPI
|
$41.55 Million |
|
Orient Pharma Co. Ltd.
TWO:4166
|
$41.55 Million |
|
Klingelnberg AG
SW:KLIN
|
$41.57 Million |
|
Etteplan Oyj
HE:ETTE
|
$41.57 Million |
|
BitFuFu Inc. Class A Ordinary Shares
NASDAQ:FUFU
|
$41.53 Million |
|
Scicom MSC Bhd
KLSE:0099
|
$41.53 Million |
|
NCS MULTISTAGE HLD.DL-01
F:MUH0
|
$41.53 Million |
|
BGDFF
OTCQB:BGDFF
|
$41.51 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Oregon Pacific Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 65,290,575 to 77,812,000, a change of 12,521,425 (19.2%).
- Net income of 8,571,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 3,637,960.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $8.57 Million | +11.02% |
| Other Comprehensive Income | $3.64 Million | +4.68% |
| Other Changes | $312.46K | +0.4% |
| Total Change | $- | 19.18% |
Book Value vs Market Value Analysis
This analysis compares Oregon Pacific Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.71x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.20x to 0.71x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1998-12-31 | $3.48 | $7.65 | x |
| 1999-12-31 | $3.22 | $7.65 | x |
| 2000-12-31 | $3.53 | $7.65 | x |
| 2001-12-31 | $3.34 | $7.65 | x |
| 2002-12-31 | $3.75 | $7.65 | x |
| 2003-12-31 | $4.04 | $7.65 | x |
| 2004-12-31 | $4.08 | $7.65 | x |
| 2005-12-31 | $4.73 | $7.65 | x |
| 2006-12-31 | $5.45 | $7.65 | x |
| 2007-12-31 | $6.06 | $7.65 | x |
| 2008-12-31 | $6.10 | $7.65 | x |
| 2009-12-31 | $5.26 | $7.65 | x |
| 2012-12-31 | $5.21 | $7.65 | x |
| 2013-12-31 | $3.81 | $7.65 | x |
| 2014-12-31 | $3.98 | $7.65 | x |
| 2015-12-31 | $3.87 | $7.65 | x |
| 2016-12-31 | $4.06 | $7.65 | x |
| 2017-12-31 | $6.63 | $7.65 | x |
| 2018-12-31 | $4.68 | $7.65 | x |
| 2019-12-31 | $5.36 | $7.65 | x |
| 2020-12-31 | $6.04 | $7.65 | x |
| 2021-12-31 | $7.00 | $7.65 | x |
| 2022-12-31 | $6.52 | $7.65 | x |
| 2023-12-31 | $7.94 | $7.65 | x |
| 2024-12-31 | $9.14 | $7.65 | x |
| 2025-12-31 | $10.82 | $7.65 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Oregon Pacific Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.02%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.57%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 10.44x
- Recent ROE (11.02%) is above the historical average (9.01%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1998 | 6.04% | 19.82% | 0.03x | 9.50x | $-308.66K |
| 1999 | 15.24% | 115.87% | 0.01x | 9.98x | $382.05K |
| 2000 | 11.33% | 74.62% | 0.02x | 9.27x | $102.87K |
| 2001 | 12.58% | 25.18% | 0.04x | 12.18x | $183.70K |
| 2002 | 10.41% | 9.66% | 0.08x | 13.56x | $32.52K |
| 2003 | 11.14% | 10.06% | 0.08x | 13.97x | $98.28K |
| 2004 | 12.00% | 10.44% | 0.07x | 15.55x | $177.49K |
| 2005 | 18.18% | 14.61% | 0.08x | 14.66x | $839.05K |
| 2006 | 16.69% | 13.72% | 0.10x | 12.71x | $795.95K |
| 2007 | 13.80% | 12.97% | 0.09x | 11.41x | $507.97K |
| 2008 | 7.27% | 7.84% | 0.08x | 11.72x | $-363.72K |
| 2009 | -15.00% | -16.40% | 0.06x | 14.31x | $-2.88 Million |
| 2012 | 0.37% | 0.61% | 0.05x | 11.79x | $-1.45 Million |
| 2013 | 2.32% | 3.83% | 0.05x | 11.44x | $-1.16 Million |
| 2014 | -1.55% | -2.78% | 0.05x | 11.12x | $-1.83 Million |
| 2015 | 4.32% | 7.34% | 0.05x | 12.33x | $-937.04K |
| 2016 | 6.48% | 10.50% | 0.05x | 13.17x | $-616.15K |
| 2017 | 4.68% | 11.99% | 0.05x | 8.60x | $-1.62 Million |
| 2018 | 7.99% | 17.61% | 0.05x | 9.49x | $-655.59K |
| 2019 | 9.42% | 19.61% | 0.05x | 9.75x | $-217.28K |
| 2020 | 10.30% | 18.12% | 0.04x | 12.72x | $125.67K |
| 2021 | 15.84% | 28.20% | 0.04x | 14.05x | $2.87 Million |
| 2022 | 15.50% | 23.48% | 0.04x | 16.37x | $2.54 Million |
| 2023 | 16.37% | 26.93% | 0.05x | 13.51x | $3.59 Million |
| 2024 | 11.52% | 21.75% | 0.04x | 11.89x | $991.63K |
| 2025 | 11.02% | 17.57% | 0.06x | 10.44x | $789.80K |
Industry Comparison
This section compares Oregon Pacific Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Oregon Pacific Bancorp (ORPB) | $71.16 Million | 6.04% | 10.32x | $41.54 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |