Oak Ridge Financial Services Inc (BKOR)

Oak Ridge Financial Services Inc. is a bank holding company for Bank of Oak Ridge, a North Carolina-based banking business serving individuals and businesses. Through its banking platform, the company provides deposit products such as checking, savings, and money market accounts, along with overdraft services. Its lending activities include auto loans, home equity and mortgage loans, business term loans, SBA loans, business lines of credit, and credit cards. The company also offers online and mobile banking, health savings accounts, identity theft protection, wealth management, cash management, and remote deposit capture services. In addition, it distributes a range of insurance products covering personal and business needs. Oak Ridge Financial Services operates branches in Oak Ridge, Greensboro, and Summerfield, North Carolina, and was founded in 2000.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Altman Z-Score
OTC-BKOR
$30.78
-5.3% Downside
Fair
Not available
Not available
Fair
November 13, 2026
December 1, 2026
2.0%
November 6, 2026
11.2x
1.2x
3.0x
90.033 M
44.2%
-1.7
Valuation • Fair Value

Oak Ridge Financial Services Inc (OTC-BKOR) Fair Value by Valuation Model

Review the available estimates for Oak Ridge Financial Services Inc (OTC-BKOR), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$30.78

Estimated downside of 5.3% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$31.81

Classic Ben Graham valuation formula reference.

DDM Fair Value

$45.72

Dividend discount model valuation reference.

Comps Fair Value

$25.80

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 5 available valuation references for Oak Ridge Financial Services Inc (OTC-BKOR) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Oak Ridge Financial Services Inc (OTC-BKOR)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

29.762 M

Current operating scale indicator.

Revenue Forecast

31.56 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Oak Ridge Financial Services Inc (OTC-BKOR) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Oak Ridge Financial Services Inc (OTC-BKOR)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

3

Weak quality score that deserves closer review.

Altman Z-Score

-1.7

Lower score that deserves closer risk review.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Oak Ridge Financial Services Inc (OTC-BKOR). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Oak Ridge Financial Services Inc (OTC-BKOR)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

November 6, 2026

Days to Earnings

0

Dividend Payment Date

December 1, 2026

Ex-Dividend Date

November 13, 2026

Dividend Yield

2.0%

Current income yield reference.

How to read events and dividends

This section helps investors track time-sensitive items for Oak Ridge Financial Services Inc (OTC-BKOR), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Oak Ridge Financial Services Inc (OTC-BKOR) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Oak Ridge Financial Services Inc (OTC-BKOR) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Oak Ridge Financial Services Inc (OTC-BKOR) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Oak Ridge Financial Services Inc (OTC-BKOR) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Oak Ridge Financial Services Inc (OTC-BKOR) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ • Fast Investor Answers

Oak Ridge Financial Services Inc (OTC-BKOR) Stock FAQ

Data-supported answers about Oak Ridge Financial Services Inc (OTC-BKOR), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$30.78
Estimated downside 5.3%
Valuation Rating
Overvalued
Estimated downside of 5.3%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Oak Ridge Financial Services Inc (OTC-BKOR) is $30.78. This implies an estimated downside of 5.3% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 5.3% versus the current market price.

The current financial health read for Oak Ridge Financial Services Inc (OTC-BKOR) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Oak Ridge Financial Services Inc (OTC-BKOR) is November 6, 2026.

Based on the current data, dividend yield is 2.0%, ex-dividend date is November 13, 2026, payment date is December 1, 2026.

The current P/E ratio listed for Oak Ridge Financial Services Inc (OTC-BKOR) is 11.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Oak Ridge Financial Services Inc is 90.033 M.

The ticker symbol for Oak Ridge Financial Services Inc is OTC-BKOR, and the stock is listed on OTC Markets.

Oak Ridge Financial Services Inc (OTC-BKOR) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Oak Ridge Financial Services Inc is 44.2%, which helps investors evaluate the company’s financing structure and leverage profile.