Oak Ridge Financial Services, Inc. (BKOR)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 21 | 25 | 26 | 26 | 12 | 31 | 34 | - |
| Operating profit | $m | 10 | 10 | ||||||
| Net profit | $m | 3 | 8 | 7 | 6 | 6 | 8 | 8 | - |
| EPS reported | $ | 2.92 | 2.86 | ||||||
| Operating cashflow per share | $ | 3.22 | 0.00 | ||||||
| Capex per share | $ | 0.66 | 0.00 | ||||||
| FCF per share | $ | 2.55 | 0.00 | ||||||
| Free cash flow | $m | 7 | 0 | ||||||
| Net debt | $m | 37 | 64 | ||||||
| Book value equity | $m | 71 | 74 | ||||||
| Book value per share | $ | 26.00 | 26.82 | ||||||
| Number of shares | m | 2.74 | 2.77 | ||||||
| DPS (TTM paid) | $ | 0.54 | 0.60 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.17 | 11.13 | ||||||
| P/B LTM | x | 1.14 | 1.10 | ||||||
| P/S LTM | x | 2.66 | 2.38 | ||||||
| P/FCF LTM | x | 11.63 | 0.00 | ||||||
| EV/EBITDA LTM | x | 10.33 | 11.94 | ||||||
| EV/Sales LTM | x | 2.71 | 3.53 | ||||||
| Earnings Yield LTM | % | +9.83% | +8.98% | ||||||
| FCF Yield | % | +8.60% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +11.24% | +10.97% | ||||||
| ROIC | % | +5.38% | +1.19% | ||||||
| Operating margin | % | +23.42% | +23.33% | ||||||
| Gross margin | % | +66.30% | +67.65% | ||||||
| FCF/Sales | % | +15.81% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +41.75% | +38.83% | ||||||
| Sales Growth YoY | % | +164.33% | +194.51% | ||||||
| Net Income Growth YoY | % | +41.27% | +38.32% | ||||||
| FCF Growth | % | +30.07% | -100.00% | ||||||
| Operating Profit Growth | % | +8.59% | +5.39% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.37% | +1.86% | ||||||
| Dividend Growth | % | +17.39% | +30.43% | ||||||
| Payout Ratio | % | +24.13% | 0.00% | ||||||
| FCF/Debt | x | 0.15 | 0.00 | ||||||
| Net Debt/EBITDA | x | 3.33 | 6.36 | ||||||
| EBIT/Net interest | x | 0.76 | 1.12 | ||||||
| Net debt/market cap | % | +55.57% | +80.11% | ||||||
| Net debt/Equity | x | 0.52 | 0.86 | ||||||
| Gross debt/equity | x | 0.67 | 0.98 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Oak Ridge Financial Services, Inc. operates as the parent company for Bank of Oak Ridge, offering a comprehensive array of banking and financial services to both individual consumers and businesses. Its core product suite includes various deposit accounts such as checking, savings, and money market options, along with overdraft protection. For financing, the bank provides a diverse range of lending solutions, including auto, home equity, and mortgage loans, as well as business term and SBA-backed financing, complemented by flexible business lines of credit and credit cards. Customers also benefit from modern digital banking solutions, accessible online and via mobile devices. Beyond traditional banking, Oak Ridge Financial Services, Inc. offers specialized services like health savings accounts (HSAs), identity theft protection, wealth management, cash management solutions, and remote deposit capture. The company further extends its portfolio with an extensive selection of insurance products, covering everything from auto, home, and small business needs to renters, life, boat, watercraft, classic car, motorcycle, flood, pet, and umbrella policies. Operations are conducted through a network of physical branches situated in Oak Ridge, Greensboro, and Summerfield, North Carolina. Established in 2000, the company's headquarters are located in Oak Ridge, North Carolina.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Oak Ridge Financial Services, Inc. (BKOR)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Oak Ridge Financial Services, Inc. operates as the parent company for Bank of Oak Ridge, offering a comprehensive array of banking and financial services to both individual consumers and businesses. Its core product suite includes various deposit accounts such as checking, savings, and money market options, along with overdraft protection. For financing, the bank provides a diverse range of lending solutions, including auto, home equity, and mortgage loans, as well as business term and SBA-backed financing, complemented by flexible business lines of credit and credit cards. Customers also benefit from modern digital banking solutions, accessible online and via mobile devices. Beyond traditional banking, Oak Ridge Financial Services, Inc. offers specialized services like health savings accounts (HSAs), identity theft protection, wealth management, cash management solutions, and remote deposit capture. The company further extends its portfolio with an extensive selection of insurance products, covering everything from auto, home, and small business needs to renters, life, boat, watercraft, classic car, motorcycle, flood, pet, and umbrella policies. Operations are conducted through a network of physical branches situated in Oak Ridge, Greensboro, and Summerfield, North Carolina. Established in 2000, the company's headquarters are located in Oak Ridge, North Carolina.
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