Oak Ridge Financial Services, Inc.

Oak Ridge Financial Services, Inc.

BKOR
Oak Ridge Financial Services, Inc.US flagOther OTC
31.50
USD
+0.12
- -
86.39MMarket Cap
Oak Ridge Financial Services, Inc.
BKOR
(Other OTC)

Recent

price

31.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

2004
2005
2006
2007
2008
2009
2010
2011
2012
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.53
3.34
4.36
4.85
6.15
7.93
8.89
9
8.6
7.42
7.84
9.38
9.53
9.52
9.81
- -
8.27
Revenue per Share
0.19
0.4
0.64
0.31
0.53
0.19
0.18
-0.01
-1.17
1.62
1.23
2.91
2.47
2.1
2.06
- -
-0.62
Basic EPS, GAAP
0.45
0.85
0.59
0.23
-0.27
-0.57
2.26
1.49
1.58
1.34
1.62
3.25
3.68
2.59
1.95
- -
2.57
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
0.15
0.2
0.19
0.19
0.2
0.24
0.27
0.31
0.38
0.46
- -
0.19
Dividend per Share
2.26
2.58
3.22
8.85
1.25
1.32
1.37
1.22
-0.1
14.5
15.45
18.12
20.33
22.03
23.43
- -
-0.07
Book Value per Share
7.82
7.69
8.36
8.98
9.23
10.67
10.68
10.49
9.36
15.38
16.84
19.23
19.52
21.39
22.88
- -
8.8
Tangible Book Value per Share
2
2
2
2
2
2
2
2
2
3
3
3
3
3
3
- -
2
Basic Weighted Avg Shares
5
7
9
10
12
16
18
18
17
19
21
25
26
26
27
31
16
Sales/Revenue/Turnover
7.68
12.07
16.96
16.09
13.4
6.28
6.32
- -
-20.06
- -
- -
- -
- -
- -
- -
- -
-10.01
Operating Margin (%)
- -
1
1
1
1
1
1
1
1
1
1
1
2
1
1
1
1
Depreciation Expense
- -
1
1
1
1
1
1
- -
-2
4
3
8
7
6
6
8
-1
Net Income, GAAP
- -
- -
13.59
36.18
36.08
31.29
33.94
8.79
- -
18.43
17.97
20.72
20.39
22.29
23.12
22.72
46.92
Effective Tax Rate (%)
7.68
12.07
14.65
6.41
8.57
4.31
4.18
2.03
-11.4
21.86
15.74
31.02
25.92
22.11
21.01
26.15
-5.16
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
16
- -
16
16
15
9
17
8
8
31
35
20
50
39
60
48
8
LT Debt
15
15
16
18
18
28
28
28
26
40
44
51
53
58
63
71
25
Total Equity
- -
- -
3.86
2.9
2.81
1.76
1.79
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
10.78
16.93
22.02
5.15
10.44
14.55
13.07
-0.86
- -
- -
8.27
17.42
12.91
9.99
9.11
11.81
-50.45
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'12
Mar'19
Jun'19
ST Debt
- -
- -
- -
LT Borrowings
8
8
8
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
7
7
8
Shares Outstanding
2
2
2
Market Capitalization
7
8
7

Working Capital

FRC

in mil. unless spec.
Dec'12
Mar'19
Jun'19
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
17
26
21
Accounts Receivable, Net
2
1
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.97%
9.99%
13.18%
Free Cash Flow
-39.5%
18.92%
30.07%
Net Income, GAAP
-87%
30.05%
41.23%
Sales/Revenue/Turnover
7.21%
8.41%
13.5%
Total Cash Common Dividend
- -
25.68%
52.61%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
26
2024
- -
- -
- -
- -
27
2025
- -
- -
- -
- -
31

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
2.1
2024
- -
- -
- -
- -
2.06
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.38
2024
- -
- -
- -
- -
0.46
2025
- -
- -
- -
- -
- -
Business
Oak Ridge Financial Services, Inc. (BKOR) operates as the holding company for Bank of Oak Ridge, a community bank providing a broad range of banking products and services to individuals and businesses in North Carolina; core offerings include checking, savings, and money market accounts; overdraft services; auto, home equity, mortgage, business term, and SBA loans; business lines of credit; credit cards; online and mobile banking; health savings accounts; identity theft protection; wealth management; cash management; remote deposit capture; and insurance products encompassing auto, home, small business, renters, life, boat and watercraft, classic car, motorcycle, flood, pet, and umbrella policies. The company maintains branches in Oak Ridge, Greensboro, and Summerfield, North Carolina, targeting local retail and commercial customers with extended weekday and Saturday hours for personalized service. Founded in 2000 and headquartered in Oak Ridge, North Carolina, Oak Ridge Financial Services recently promoted Kevin Reid to chief financial officer in July 2024 and raised its quarterly dividend by 16.7% to $0.14 per share, reflecting strong earnings performance including GAAP EPS of $0.57 on revenue of $7.05 million in the latest reported quarter.

Company News

APIChatGPT
  • Oak Ridge Financial Services, Inc. Announces First Quarter 2026 Results and 14% Increase in Quarterly Cash Dividend

  • Oak Ridge Financial Services, Inc. Announces Fourth Quarter and Full Year of 2025 Results, Quarterly Cash Dividend of $0.14 Per Share

  • Oak Ridge Financial Services, Inc. Announces Third Quarter 2025 Results and Quarterly Cash Dividend of $0.14 Per Share

  • Bank of Oak Ridge Appoints Darryl Jones to Board of Directors

  • Bank of Oak Ridge Honors the Retirement of Longstanding Board Member, Steve Neal

  • Bank of Oak Ridge Announces Leadership Transitions Reflecting Continued Growth and Vision

  • Oak Ridge Financial Services, Inc. Announces Second Quarter 2025 Results and Quarterly Cash Dividend of $0.14 Per Share

  • Oak Ridge Financial Services, Inc. Announces First Quarter 2025 Results and 17% Increase in Quarterly Cash Dividend

  • Oak Ridge Financial Services, Inc. Announces Fourth Quarter and Full Year of 2024 Results, Quarterly Cash Dividend of $0.12 Per Share

  • Oak Ridge Financial Services, Inc. Announces Third Quarter 2024 Results and Quarterly Cash Dividend of $0.12 Per Share

  • Oak Ridge Financial Services, Inc. Announces Second Quarter 2024 Results and Quarterly Cash Dividend of $0.12 Per Share

  • Oak Ridge Financial Services, Inc. Announces New Chief Financial Officer

  • Oak Ridge Financial Services, Inc. Named to American Banker's Top 100 Publicly Traded Banks Under $2 Billion in Assets

  • Oak Ridge Financial Services, Inc. (BKOR) to Issue Quarterly Dividend of $0.12 on June 7th

  • Oak Ridge Financial Services, Inc. Announces First Quarter 2024 Results, 20% Increase in Quarterly Cash Dividend, and Stock Repurchase Program

  • Oak Ridge Financial Services, Inc. Announces Fourth Quarter and Full Year 2023 Results and Quarterly Cash Dividend of $0.10 per share

  • Oak Ridge Financial Services, Inc. Announces Third Quarter 2023 Results and Quarterly Cash Dividend of $0.10 Per Share

  • Oak Ridge Financial Services, Inc. Announces Second Quarter 2023 Results and Quarterly Cash Dividend of $0.10 Per Share

  • Oak Ridge Financial Services, Inc. Announces Promotions within Leadership

  • Oak Ridge Financial Services, Inc. Announces Second Quarter 2021 Results