Oregon Pacific Bancorp Financial Ratios — ORPB Stock

Profitability (USD)

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
Return on Common Equity (%)	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	13.67	11.04
Return on Assets (%)	1.29	1.32	1.21	0.63	-1.08	0.03	0.2	-0.14	0.38	0.52	0.58	0.91	1.04	1.32	1.08
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	7.36	7.45	6.62	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	31.11	32.73	32.79	8.82	7.58	6.52	6.19	5.89	5.51	5.55	6.26	6.93	5.45	3.56	2.77
Operating Margin (%)	26.47	27.52	25.35	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	67.96	43.05	63.31	211.17	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	26.47	27.52	25.35	15.17	-36.14	-1.92	4.67	-4.98	9.61	16.86	24.95	24.28	28.1	31.26	32.52
Profit Margin (%)	17.79	17.74	17.48	10.43	-20.5	0.69	4.19	-2.99	7.7	10.98	12.61	18.6	21.2	23.64	24.43
Net Income to Common Margin (%)	17.79	17.74	17.48	10.43	-20.5	0.69	4.19	-2.99	7.7	10.98	12.61	18.6	21.2	23.64	24.43
Effective Tax Rate (%)	32.8	35.54	31.04	31.22	- -	- -	10.34	- -	19.87	34.89	49.47	23.4	24.58	24.38	24.89
Dvd Payout Ratio (%)	16.17	19.31	24.81	42.81	-5.51	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	16.53	18.82	18.75	5.21	-14.73	0.43	2.33	-1.58	4.41	6.6	5.87	8.16	10.04	13.67	11.04

Credit (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
Total Debt	16	16	15	19	18	11	11	9	9	9	7	4	4	26	27
ST Debt	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	13	16	15	19	18	11	11	9	9	9	7	4	4	26	27
Total Debt/EBITDA	4.76	4.26	4.29	23.17	28.08	20.13	20.44	17.84	16.9	15.03	10.1	4.25	4.56	23.39	27.3
Net Debt/EBITDA	1.41	2.22	1.61	15.51	1.38	-53.36	-42.74	-29.39	-39.58	-51.56	-30.86	-11.26	-20.32	5.31	-1.89
Total Debt/EBIT	5.6	5.06	5.55	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	1.66	2.64	2.08	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.8	4.49	5.24	8.49	6.95	8.41	8.81	8.99	8.12	7.76	11.71	10.75	10.11	9.43	10.11
Long-Term Debt/Equity (%)	128	131.12	110.99	142.34	155.72	70.9	70.18	54.56	52.28	49.25	23.44	12.65	11.04	40.51	34.12
Long-Term Debt/Capital (%)	50.97	69.66	64.97	58.85	61.01	41.68	41.05	35.3	34.3	32.53	18.89	11.03	10.07	26.54	24.44
Long-Term Debt/Total Assets (%)	8.73	10.31	9.73	12.14	10.88	6.01	6.13	4.91	4.24	3.74	2.73	1.33	1.13	3.41	3.27
Total Debt/Equity (%)	151.38	131.12	110.99	142.34	155.72	70.9	70.18	54.56	52.28	49.25	23.44	12.65	11.04	40.51	34.12
Total Debt/Capital (%)	60.29	69.66	64.97	58.85	61.01	41.68	41.05	35.3	34.3	32.53	18.89	11.03	10.07	26.54	24.44
Total Debt/Total Assets (%)	10.33	10.31	9.73	12.14	10.88	6.01	6.13	4.91	4.24	3.74	2.73	1.33	1.13	3.41	3.27
Net Debt to Equity	44.84	68.44	41.66	95.28	7.63	-187.98	-146.76	-89.86	-122.45	-168.97	-71.64	-33.52	-49.18	9.2	-2.36
Net Debt/Capital (%)	31.02	54.51	41.04	48.91	7.12	211.8	319.31	-885.83	549.08	252.9	-246.91	-48.91	-99.52	7.58	-2.28
EBITDA	3	4	3	1	1	1	1	- -	1	1	1	1	1	1	1
EBITDA-CapEx	3	4	2	1	1	- -	- -	- -	- -	- -	1	- -	- -	1	- -
Operating Income (Loss)	3	3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.8	4.49	5.24	8.49	6.95	8.41	8.81	8.99	8.12	7.76	11.71	10.75	10.11	9.43	10.11
Long-Term Debt/Equity (%)	128	131.12	110.99	142.34	155.72	70.9	70.18	54.56	52.28	49.25	23.44	12.65	11.04	40.51	34.12
Long-Term Debt/Capital (%)	50.97	69.66	64.97	58.85	61.01	41.68	41.05	35.3	34.3	32.53	18.89	11.03	10.07	26.54	24.44
Long-Term Debt/Total Assets (%)	8.73	10.31	9.73	12.14	10.88	6.01	6.13	4.91	4.24	3.74	2.73	1.33	1.13	3.41	3.27
Total Debt/Equity (%)	151.38	131.12	110.99	142.34	155.72	70.9	70.18	54.56	52.28	49.25	23.44	12.65	11.04	40.51	34.12
Total Debt/Capital (%)	60.29	69.66	64.97	58.85	61.01	41.68	41.05	35.3	34.3	32.53	18.89	11.03	10.07	26.54	24.44
Total Debt/Total Assets (%)	10.33	10.31	9.73	12.14	10.88	6.01	6.13	4.91	4.24	3.74	2.73	1.33	1.13	3.41	3.27
CFO/Total Liabilities	1.98	1.46	2.52	1.84	0.78	1.2	1.28	0.63	0.34	0.92	1.45	1.48	1.57	1.28	1.4
CFO/CapEx	- -	- -	2.08	12.91	15.74	2.78	11.02	2.83	1.46	6.55	17.61	3.58	6.27	18.44	19.75
Altman's Z-Score	0.28	0.32	0.29	0.17	0.14	0.13	0.15	0.14	0.14	0.15	0.15	0.17	0.19	0.18	0.15

Working Capital (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
Accounts Receivable Turnover	5.31	3.6	3.17	3.42	2.42	2.65	5.34	6.81	7.79	7.6	7.47	8.61	6.88	20.41	- -
Days Sales Outstanding	68.7	101.29	115.08	106.63	151.07	137.59	68.41	53.63	46.87	48.05	48.86	42.4	53.08	17.89	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
Market Capitalization	23	27	20	8	8	7	13	11	15	19	22	33	44	57	- -
- Cash & Cash Equivalents	11	7	9	6	17	39	33	23	29	38	29	15	22	20	28
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	16	16	15	19	18	11	11	9	9	9	7	4	4	26	27
Enterprise Value	28	35	26	12	-1	-33	-26	-21	-23	-29	-28	-5	-2	-86	-152
Total Capital	26	22	23	32	29	26	26	24	25	27	38	37	41	100	109
Total Debt/Capital (%)	60.29	69.66	64.97	58.85	61.01	41.68	41.05	35.3	34.3	32.53	18.89	11.03	10.07	26.54	24.44
Total Debt / EV	0.56	0.45	0.58	1.63	-14.77	-0.32	-0.41	-0.41	-0.38	-0.29	-0.26	-0.89	-1.73	-0.31	-0.17
EV/Sales	2.63	3.12	2.42	1.26	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	8.46	9.52	7.37	14.24	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	9.94	11.32	9.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	9.94	17.1	7.26	4.44	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	9.94	17.1	4.9	4.12	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	23	27	20	8	8	7	13	11	15	19	22	33	44	57	- -
Diluted Enterprise Value	28	35	26	20	9	-21	-9	-3	-5	-10	1	22	25	63	-2
EV per Share	12.87	15.98	11.58	5.34	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	10	11	11	9	8	8	8	8	9	10	11	14	17	32	35
TTM EBITDA	3	4	3	1	1	1	1	- -	1	1	1	1	1	1	1
TTM Operating Income	3	3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	2	4	3	1	2	2	1	1	2	3	4	5	9	10
TTM Free Cash Flow to Firm	3	2	5	3	1	3	2	1	1	2	4	5	6	10	11

Multiples (USD)

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	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
Price/Free Cash Flow	8.38	13.1	3.84	2.7	6	2.84	5.86	8.33	13.65	8.58	6.32	6.32	7.33	5.96	- -
EV/EBIT	9.94	11.32	9.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	28	35	26	12	-1	-33	-26	-21	-23	-29	-28	-5	-2	-86	-152
Low Price	7.25	11.55	8.5	2.75	3.49	1.3	2.6	2.73	2.07	3	4	4.63	4.67	6.6	7.28
EV/Sales	2.63	3.12	2.42	1.26	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	8.46	9.52	7.37	14.24	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	12.32	13.46	10.81	7.89	- -	133.57	36.71	- -	20.64	17.12	15.74	12.7	12.39	7.58	- -
Price/Earnings Average	10.2	13.12	12.9	15.67	-5.58	127.58	36.92	-49.27	17.78	13.72	14.11	15.19	11.35	7.15	- -
Price/Earnings High	13.62	14.29	14.93	26.92	-6.97	308.24	42.24	-56.59	22.44	17.12	15.77	17.37	12.39	7.68	- -
Price/Earnings Low	8.33	12.69	10.15	6.2	-4.42	66.79	29.37	-44.14	12.39	11.41	12.9	12.38	9.26	6.26	- -
Price/Book Value	2.25	3.93	2.49	0.58	0.67	0.5	0.85	0.72	0.89	1.09	0.73	0.99	1.18	0.78	- -
Price/Book Value Average	1.86	3.84	2.98	1.14	0.84	0.48	0.85	0.77	0.77	0.87	0.66	1.19	1.08	0.73	- -
Price/Book Value High	2.48	4.17	3.44	1.97	1.05	1.16	0.97	0.88	0.97	1.09	0.73	1.36	1.18	0.79	- -
Price/Book Value Low	1.52	3.71	2.34	0.45	0.67	0.25	0.68	0.69	0.53	0.72	0.6	0.97	0.88	0.64	- -
Price/Tangible Book Value	2.24	2.32	1.53	0.58	0.67	0.5	0.85	0.72	0.89	1.11	0.74	1.01	1.17	0.87	- -
Price/Tangible Book Value Average	1.85	2.26	1.82	1.16	0.85	0.48	0.86	0.77	0.77	0.89	0.66	1.21	1.07	0.82	- -
Price/Tangible Book Value High	2.48	2.46	2.11	1.99	1.06	1.15	0.98	0.88	0.97	1.11	0.74	1.39	1.17	0.88	- -
Price/Tangible Book Value Low	1.51	2.19	1.43	0.46	0.67	0.25	0.68	0.69	0.53	0.74	0.6	0.99	0.87	0.72	- -
Price/Sales	2.19	2.39	1.89	0.82	0.91	0.92	1.54	1.38	1.59	1.88	1.98	2.36	2.63	1.79	- -
Price/Sales Average	1.81	2.33	2.26	1.63	1.14	0.88	1.55	1.47	1.37	1.51	1.78	2.83	2.41	1.69	- -
Price/Sales High	2.42	2.53	2.61	2.81	1.43	2.13	1.77	1.69	1.73	1.88	1.99	3.23	2.63	1.82	- -
Price/Sales Low	1.48	2.25	1.77	0.65	0.91	0.46	1.23	1.32	0.95	1.25	1.63	2.3	1.96	1.48	- -
Price/Cash Flow	8.28	13.1	5.68	2.91	6.38	3.86	6.39	11.27	22.99	9.89	6.68	8.09	8.5	6.27	- -
Price/Cash Flow Average	6.85	12.78	6.78	5.78	8.02	3.69	6.42	12.05	19.8	7.93	5.99	9.67	7.79	5.91	- -
Price/Cash Flow High	9.15	13.91	7.84	9.93	10.02	8.92	7.35	13.84	24.99	9.89	6.7	11.06	8.5	6.35	- -
Price/Cash Flow Low	5.6	12.35	5.33	2.29	6.36	1.93	5.11	10.8	13.79	6.6	5.48	7.88	6.35	5.18	- -
Price/Free Cash Flow Average	6.93	12.78	4.58	5.37	7.54	2.72	5.89	8.91	11.75	6.88	5.67	7.56	6.72	5.62	- -
Price/Free Cash Flow High	9.26	13.91	5.3	9.22	9.42	6.56	6.74	10.23	14.83	8.58	6.34	8.65	7.33	6.04	- -
Price/Free Cash Flow Low	5.67	12.35	3.61	2.12	5.98	1.42	4.69	7.98	8.19	5.72	5.18	6.16	5.48	4.92	- -
EV/Sales Average	2.25	3.06	2.78	3	1.25	- -	- -	- -	- -	- -	- -	2.05	1.3	1.88	- -
EV/Sales High	2.86	3.26	3.14	4.18	1.53	- -	- -	- -	- -	- -	0.06	2.45	1.52	2	- -
EV/Sales Low	1.92	2.98	2.3	2.01	1.01	- -	- -	- -	- -	- -	- -	1.52	0.86	1.67	- -
EV/EBITDA Average	7.24	9.34	8.49	34.06	16.47	-39.83	-17.77	-4.34	-14.75	-24.43	-2.43	29.51	23.84	52.86	-1.89
EV/EBITDA High	9.2	9.97	9.57	47.38	20.22	-20.67	-14.16	-0.62	-8.25	-17.7	0.91	35.36	27.89	56.38	-1.89
EV/EBITDA Low	6.18	9.1	7.02	22.84	13.34	-46.28	-22.87	-6.95	-22.29	-28.99	-4.87	21.95	15.7	46.92	-1.89
EV/EBIT Average	8.51	11.1	10.98	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	10.81	11.85	12.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	7.26	10.83	9.08	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	10.72	12.25	9.05	3.5	3.5	2.6	3.25	2.85	3.45	4.5	4.88	4.75	6.25	8	11.3
High Price	11.85	13	12.5	11.95	5.5	6	3.74	3.5	3.75	4.5	4.89	6.5	6.25	8.1	11.31
Enterprise Value Average	24	34	29	28	11	-21	-9	-2	-8	-14	-2	29	22	60	-2
Enterprise Value High	30	37	33	39	13	-11	-7	- -	-4	-10	1	34	25	64	-2
Enterprise Value Low	20	33	24	19	9	-24	-12	-3	-11	-17	-3	21	14	53	-2

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
Shares Outstanding	2	2	2	2	2	2	2	2	7	7	7	7	7	7	7
Diluted Weighted Avg Shares	2	2	2	2	2	3	4	4	4	4	5	7	7	7	- -
Basic Weighted Avg Shares	2	2	2	2	2	3	4	4	4	4	5	7	7	7	- -
Revenue per Share	4.89	5.13	4.79	4.25	3.85	2.81	2.11	2.07	2.17	2.39	2.46	2.01	2.38	4.46	- -
EBITDA per Share	1.52	1.68	1.57	0.37	0.29	0.18	0.13	0.12	0.12	0.13	0.15	0.14	0.13	0.16	- -
Operating Income per Share	1.29	1.41	1.21	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	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	1.05	- -
Basic EPS from Cont Ops	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	1.05	- -
Diluted EPS, GAAP	0.86	0.91	0.84	0.44	-0.79	0.02	0.09	-0.06	0.17	0.26	0.31	0.37	0.5	1.05	- -
Diluted EPS from Cont Ops	0.86	0.91	0.84	0.44	-0.79	0.02	0.09	-0.06	0.17	0.26	0.31	0.37	0.5	1.05	- -
Dividend per Share	0.14	0.18	0.21	0.19	0.04	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	1.29	0.93	1.59	1.2	0.55	0.67	0.51	0.25	0.15	0.45	0.73	0.59	0.74	1.28	- -
Free Cash Flow per Basic Share	1.29	0.93	0.83	1.11	0.51	0.43	0.46	0.16	0.05	0.39	0.69	0.42	0.62	1.21	- -
Cash & Equivalents per Share	5.1	3.42	4.21	6.85	12.25	17.87	12.39	10.29	10.78	13.31	12.49	6.01	7.18	23.84	- -
Book Value per Share	4.77	3.11	3.63	6.08	5.24	5.17	3.84	3.98	3.87	4.14	6.67	4.78	5.28	10.27	- -
Tangible Book Value per Share	4.79	5.28	5.93	6.01	5.21	5.21	3.81	3.98	3.87	4.06	6.63	4.68	5.36	9.16	- -

Oregon Pacific Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)