Oregon Pacific Bancorp (ORPB) Income Statement Analysis

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Complete financial analysis of Oregon Pacific Bancorp (ORPB) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Oregon Pacific Bancorp, a leading company in the Banks – Regional industry within the Financial Services sector.

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Oregon Pacific Bancorp (ORPB)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.opbc.com

About 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 also provides business loans, including mortgage loans, commercial real estate loans, equipment financing, and government guaranteed loans. In addition, the company offers vehicle loans for cars, boats, ATVs, RVs, and motorcycles; personal loans comprising unsecured installment loans, unsecured lines of credit, home equity lines of credit, and home equity term loans, as well as cash secured loans with a certificate of deposit; mortgage loans; and credit cards. Further, it provides merchant services that include payment processing solutions; cash management services; trust and fiduciary services, such as trust administration, and estate planning and settlement services; wealth management services; retirement planning services; and investment and insurance products. The company also provides online and mobile banking, night depository, notary, and overdraft protection services; and safe deposit boxes. 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.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Revenue	34.26M	30.42M	27.67M	24.02M	16.60M	14.01M	12.17M	10.34M	9.26M	8.21M	8.53M	8.11M	8.42M	9.29M	10.96M	11.19M	10.49M	8.92M	8.05M	6.80M	1.42M	1.17M	958.96K	2.37M
Cost of Revenue	-30.14K	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	34.29M	30.42M	27.67M	24.02M	16.60M	14.01M	12.17M	10.34M	9.26M	8.21M	8.53M	8.11M	8.42M	9.29M	10.96M	11.19M	10.49M	8.92M	8.05M	6.80M	1.42M	1.17M	958.96K	2.37M
Gross Profit Ratio	100.09%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	349.46K	271.75K	241.76K	235.50K	9.10M	7.82M	7.34M	6.95M	6.49M	6.24M	6.19M	5.76M	5.46M	5.97M	4.83M	4.90M	4.56M	465.91K	4.19M	3.38M	2.54M	0.00	0.00	0.00
Selling & Marketing	416.58K	439.68K	288.87K	198.13K	275.98K	254.61K	131.98K	98.12K	90.50K	77.27K	69.98K	73.95K	122.06K	105.08K	82.62K	87.32K	106.53K	144.07K	116.81K	111.53K	0.00	0.00	0.00	0.00
SG&A	17.88M	15.57M	13.52M	12.19M	9.37M	8.07M	7.47M	7.05M	6.58M	6.32M	6.26M	5.83M	5.58M	6.07M	4.91M	4.98M	4.67M	609.99K	4.31M	3.49M	2.54M	0.00	0.00	0.00
Other Expenses	0.00	-6.20M	-5.74M	-5.30M	-5.11M	-18.68M	-3.55M	-3.36M	0.00	0.00	0.00	-14.10M	-17.04M	-13.95M	-13.19M	-13.10M	-12.38M	-7.94M	-11.02M	-9.22M	-2.80M	-297.46K	152.18K	-1.90M
Operating Expenses	17.88M	6.20M	5.74M	5.30M	5.11M	-10.61M	3.55M	3.36M	9.05M	8.47M	8.63M	-8.27M	-11.46M	-7.88M	-8.28M	-8.11M	-7.71M	-7.33M	-6.71M	-5.73M	-261.97K	-297.46K	152.18K	-1.90M
Cost & Expenses	17.88M	20.91M	17.25M	18.21M	15.17M	-10.61M	10.61M	9.98M	9.05M	8.47M	8.63M	-8.27M	-11.46M	-7.88M	-8.28M	-8.11M	-7.71M	-7.33M	-6.71M	-5.73M	-261.97K	-297.46K	152.18K	-1.90M
Interest Income	0.00	0.00	0.00	0.00	15.09M	11.81M	9.13M	7.66M	6.73M	5.92M	6.57M	7.25M	9.27M	10.53M	11.90M	11.74M	9.97M	7.99M	7.16M	6.45M	6.04M	5.91M	5.90M	5.85M
Interest Expense	1.07M	795.29K	279.93K	145.79K	1.34M	788.09K	579.55K	472.37K	448.25K	629.47K	784.45K	1.08M	2.11M	3.07M	3.67M	3.28M	2.28M	1.48M	1.55M	1.71M	2.14M	2.24M	2.19M	2.11M
Depreciation & Amortization	-12.62M	1.65M	1.32M	942.95K	904.19K	970.89K	705.62K	573.90K	510.31K	483.32K	519.78K	529.24K	637.96K	818.80K	654.19K	583.13K	486.45K	474.81K	345.96K	319.15K	291.03K	0.00	0.00	0.00
EBITDA	-352.21K	11.16M	11.73M	6.76M	5.57M	4.37M	3.52M	2.32M	1.40M	0.00	912.04K	373.74K	-1.69M	3.06M	3.33M	3.66M	3.26M	2.06M	0.00	0.00	0.00	874.44K	1.11M	470.59K
EBITDA Ratio	-1.03%	-0.66%	-1.36%	-0.79%	33.55%	31.22%	28.91%	22.41%	15.12%	0.91%	10.70%	4.61%	-28.56%	23.99%	30.39%	32.73%	31.11%	23.09%	20.93%	20.48%	102.05%	74.62%	115.87%	19.82%
Operating Income	16.38M	9.71M	10.79M	6.01M	4.66M	3.40M	2.81M	1.74M	889.22K	-408.82K	392.26K	-155.50K	-3.04M	1.41M	2.68M	3.08M	2.78M	1.58M	1.34M	1.07M	1.16M	874.44K	1.11M	470.59K
Operating Income Ratio	47.80%	31.92%	39.00%	25.00%	28.10%	24.28%	23.12%	16.86%	9.61%	-4.98%	4.60%	-1.92%	-36.14%	15.17%	24.42%	27.52%	26.47%	17.76%	16.64%	15.79%	81.52%	74.62%	115.87%	19.82%
Total Other Income/Expenses	-4.10M	-199.43K	-377.27K	0.00	-3.06M	-2.73M	-2.58M	-1.85M	-2.03M	197.56K	-2.10M	-4.98M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	304.99K	792.48K	129.42K
Income Before Tax	12.27M	9.51M	10.41M	5.81M	4.66M	3.40M	2.81M	1.74M	889.22K	-408.82K	392.26K	-155.50K	-3.04M	1.41M	2.68M	3.08M	2.78M	1.58M	1.34M	1.07M	1.16M	1.18M	1.60M	600.02K
Income Before Tax Ratio	35.82%	31.27%	37.63%	24.20%	28.10%	24.28%	23.12%	16.86%	9.61%	-4.98%	4.60%	-1.92%	-36.14%	15.17%	24.42%	27.52%	26.47%	17.76%	16.64%	15.79%	81.52%	100.64%	166.77%	25.28%
Income Tax Expense	3.04M	2.37M	2.61M	1.46M	1.15M	796.04K	1.39M	608.30K	176.71K	-163.10K	40.57K	-211.63K	-1.32M	439.89K	830.61K	1.09M	910.32K	517.08K	377.33K	252.06K	260.64K	304.99K	488.12K	129.42K
Net Income	9.23M	7.14M	7.80M	4.35M	3.52M	2.61M	1.42M	1.14M	712.51K	-245.73K	351.69K	56.13K	-1.73M	969.16K	1.85M	1.99M	1.87M	1.07M	961.84K	821.81K	894.84K	874.44K	1.11M	470.59K
Net Income Ratio	26.95%	23.48%	28.20%	18.12%	21.20%	18.60%	11.68%	10.98%	7.70%	-2.99%	4.12%	0.69%	-20.50%	10.43%	16.84%	17.74%	17.79%	11.96%	11.95%	12.08%	63.13%	74.62%	115.87%	19.82%
EPS	1.30	1.01	1.11	0.62	0.50	0.37	0.31	0.26	0.17	-0.06	0.09	0.02	-0.79	0.44	0.84	0.91	0.87	0.49	0.45	0.39	0.42	0.40	0.49	0.21
EPS Diluted	1.30	1.01	1.11	0.62	0.50	0.37	0.31	0.26	0.17	-0.06	0.09	0.02	-0.79	0.44	0.84	0.91	0.86	0.49	0.45	0.39	0.42	0.40	0.49	0.21
Weighted Avg Shares Out	7.10M	7.07M	7.04M	7.00M	6.97M	6.96M	4.58M	4.32M	4.26M	3.97M	3.97M	2.88M	2.19M	2.18M	2.20M	2.18M	2.14M	2.18M	2.14M	2.11M	2.13M	2.19M	2.27M	2.24M
Weighted Avg Shares Out (Dil)	7.10M	7.07M	7.04M	7.00M	6.97M	6.96M	4.58M	4.32M	4.26M	3.97M	3.97M	2.88M	2.19M	2.18M	2.21M	2.18M	2.17M	2.18M	2.14M	2.11M	2.13M	2.19M	2.27M	2.24M

Oregon Pacific Bancorp Announces Third Quarter 2024 Earnings Results

October 24, 2024businesswire.com

FLORENCE, Ore.--(BUSINESS WIRE)--Oregon Pacific Bancorp (ORPB), the holding company of Oregon Pacific Bank, today reported net income of $1.8 million, or $0.26 per diluted share, during the quarter ended September 30, 2024, compared to $1.9 million or $0.26 per diluted...

Oregon Pacific Bancorp Announces First Quarter 2024 Earnings Results

April 23, 2024businesswire.com

FLORENCE, Ore.--(BUSINESS WIRE)--Oregon Pacific Bancorp (ORPB), the holding company of Oregon Pacific Bank, today reported financial results for the first quarter ended, March 31, 2024. Highlights: First quarter net income of $1.6 million; $0.22 per diluted share. Quarterly deposit growth...

Oregon Pacific Bancorp Announces 2023 Earnings Results

January 25, 2024businesswire.com

FLORENCE, Ore.--(BUSINESS WIRE)--Oregon Pacific Bancorp (ORPB), the holding company of Oregon Pacific Bank, today reported financial results for the fourth quarter ended, and year ended, December 31, 2023. Highlights: Fourth quarter net income of $2.2 million; $0.31 per diluted share...

Oregon Pacific Bancorp Announces Third Quarter Earnings Results

October 19, 2023businesswire.com

FLORENCE, Ore.--(BUSINESS WIRE)--Oregon Pacific Bancorp (ORPB), the holding company of Oregon Pacific Bank, today reported financial results for the third quarter ended, September 30, 2023. Highlights: Net income of $2.3 million; $0.33 per diluted share. Return on average assets of...

Oregon Pacific Bank Announces First Quarter Earnings Results

April 20, 2021businesswire.com

FLORENCE, Ore.--(BUSINESS WIRE)--Oregon Pacific Bancorp (ORPB) today reported financial results for the first quarter ended March 31, 2021. Highlights First quarter net income of $1.96 million; $0.28 per diluted share Quarterly gross PPP loan production of $46.2 million with $2.1...

Source: https://incomestatements.info
Category: Stock Reports

Oregon Pacific Bancorp (ORPB) Income Statement Analysis – Financial Results

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