Oregon Pacific Ban (ORPB) Stock Analysis & Winston Score

Oregon Pacific Bancorp is a small community bank based in Florence, Oregon. It offers everyday banking services like checking and savings accounts, loans, and mortgages, mainly to individuals and small businesses along the Oregon coast. It is one of the few locally owned independent banks still operating in that rural region.

The bank makes money primarily from the difference between the interest it charges on loans and the interest it pays on deposits, which is called net interest income. It operates a small number of branches concentrated in coastal Oregon, making it a hyper-local institution with a market cap of around $100 million. Its main competitive advantage is deep community relationships, but its small size and geographic concentration also represent its biggest risk, since a slowdown in the local economy or rising loan defaults could have an outsized impact on its financial results.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+39.9% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+37.5% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

7.4%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$9M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Oregon Pacific Ban grew revenue 40% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

79.7%

Premium pricing power — 79.7% gross margin

Operating Margin

25.5%

Excellent — 25.5% operating margin

ROCE

3.0%

Weak — 3.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+33.6%

Fast-growing sales (33.6% YoY)

EPS YoY

+20.6%

Earnings growing fast (20.6% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

0%

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

0.33

Conservative — low debt load (0.33)

Interest Cover

2.67x

Tight — interest eats into profit (2.7x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

8.8x

no trend

Attractive valuation — P/E 8.8

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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