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Oak Ridge Financial Services, Inc. (BKOR)
USD31.38
+0.38 (+1.23%)
US OTC Financial Services Banks - Regional
Address
2211 Oak Ridge Road 27310
Oak Ridge, NC, US
Oak Ridge, NC, US
CEO
Thomas W. Wayne
Website
bankofoakridge.com
IPO
2021-01-08
CIK 1398006 ISIN US6717681091
Description
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.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD31.38
+0.38 (+1.23%)
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Volume Profile
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Liquidity & share structure
Average Volume
778
Beta
0.13
Float Shares
2.60M
Free Float %
94.7%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.42% | +0.42% | +7.36% | +3.74% | +10.11% | +5.66% | +44.67% | +90.18% | +93.11% | +250.61% | +219.55% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
31.38
DCF (Unlevered)
75.73
+141.3%
DCF (Levered)
51.81
+65.1%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.29
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
-
Revenue growth+72.7% Q1'26: +51.0% (vs Q1'25)
-
EPS growth+41.8% Q1'26: -7.0% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +17.9% (vs Q1'25)
-
ROIC— Q1'26: +5.7% (vs Q1'25)
-
Share dilution-0.4% Q1'26: -0.6% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 5.14× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-11 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-08 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-05 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-01 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-1.24M
OE per share TTM
-0.45
Owner's Yield
-1.45%
Maintenance CapEx ratio
22.52%
Maint CapEx / Avg PPE
37.5%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
4
Beneficial owners (>5%)
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Banc Fund VIII L.P. | 153.9K | 7.00% | 153.9K | — | 153.9K | — | PN | U.S. | 2016-02-08 | ↗ |
| 2 | Banc Fund IX L.P. | 41.8K | 1.90% | 41.8K | — | 41.8K | — | PN | U.S. | 2016-02-08 | ↗ |
| 3 | Banc Fund VI L.P. | — | 0.00% | — | — | — | — | PN | U.S. | 2016-02-08 | ↗ |
| 4 | Banc Fund VII L.P. | — | 0.00% | — | — | — | — | PN | U.S. | 2016-02-08 | ↗ |
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2012-12-31 | Perkins Manuel L. | Director | A-Award | A | Common Stock | 350 | 3.75 | 1.3K | 978 | — | ↗ |
| 2012-12-31 | Olmsted John S | Director | A-Award | A | Common Stock | 350 | 3.75 | 1.3K | 50,978 | — | ↗ |
| 2012-12-31 | Neal Stephen S | Director | A-Award | A | Common Stock | 350 | 3.75 | 1.3K | 13,478 | — | ↗ |
| 2012-12-31 | Hall James W | Director | A-Award | A | Common Stock | 400 | 3.75 | 1.5K | 6,758 | — | ↗ |
| 2012-12-31 | Boike Douglas G | Director | A-Award | A | Common Stock | 500 | 3.75 | 1.9K | 2,713 | — | ↗ |
| 2012-12-31 | Anderson Lynda | Director | A-Award | A | Common Stock | 350 | 3.75 | 1.3K | 7,678 | — | ↗ |
| 2012-11-29 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 1,000 | 3.90 | 3.9K | 38,445 | — | ↗ |
| 2012-09-10 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 1,000 | 3.75 | 3.8K | 37,445 | — | ↗ |
| 2012-06-13 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 739 | 5.50 | 4.1K | 36,445 | — | ↗ |
| 2012-05-30 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 107 | 5.00 | 535.00 | 35,706 | — | ↗ |
| 2012-05-24 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 154 | 5.00 | 770.00 | 35,599 | — | ↗ |
| 2011-12-07 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 200 | 3.00 | 600.00 | 35,445 | — | ↗ |
| 2011-11-29 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 800 | 3.00 | 2.4K | 35,245 | — | ↗ |
| 2011-09-06 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 445 | 3.50 | 1.6K | 34,445 | — | ↗ |
| 2011-08-29 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 301 | 3.50 | 1.1K | 34,000 | — | ↗ |
| 2011-08-25 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 213 | 3.50 | 745.50 | 33,699 | — | ↗ |
| 2011-08-22 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 41 | 3.50 | 143.50 | 41 | — | ↗ |
| 2011-06-20 | Olmsted John S | Director | A-Award | A | Common Stock | 350 | 3.79 | 1.3K | 50,628 | — | ↗ |
| 2011-06-20 | Neal Stephen S | Director | A-Award | A | Common Stock | 350 | 3.79 | 1.3K | 13,128 | — | ↗ |
| 2011-06-20 | Hall James W | Director | A-Award | A | Common Stock | 400 | 3.79 | 1.5K | 6,358 | — | ↗ |
| 2011-06-20 | COLE HERBERT M | Director | A-Award | A | Common Stock | 350 | 3.79 | 1.3K | 48,603 | — | ↗ |
| 2011-06-20 | Boike Douglas G | Director | A-Award | D | Common Stock | 500 | 3.79 | 1.9K | 2,213 | — | ↗ |
| 2011-06-20 | Black Ronald O | Director / Officer | A-Award | A | Common Stock | 10,096 | 3.79 | 38.3K | 12,384 | — | ↗ |
| 2011-06-20 | Anderson Lynda | Director | A-Award | A | Common Stock | 350 | 3.79 | 1.3K | 7,328 | — | ↗ |
| 2011-05-27 | Vasaly L William III | Officer | P-Purchase | A | Common Stock | 500 | 4.00 | 2.0K | 5,501 | — | ↗ |
| 2011-05-26 | Vasaly L William III | Officer | P-Purchase | A | Common Stock | 1 | 4.00 | 4.00 | 5,001 | — | ↗ |
| 2011-03-18 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 1,000 | 4.75 | 4.8K | 2,000 | — | ↗ |
| 2010-11-18 | Vasaly L William III | Officer | P-Purchase | A | Common Stock | 5,000 | 4.50 | 22.5K | 5,000 | — | ↗ |
| 2010-11-15 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 200 | 4.84 | 967.80 | 32,445 | — | ↗ |
| 2010-08-19 | Perkins Manuel L. | Director | A-Award | D | Stock Option | 2,000 | 4.82 | 9.6K | 19,481 | — | ↗ |
| 2010-08-19 | Olmsted John S | Director | A-Award | A | Stock Option | 2,000 | 4.82 | 9.6K | 19,481 | — | ↗ |
| 2010-08-19 | Neal Stephen S | Director | A-Award | A | Stock Option | 2,000 | 4.82 | 9.6K | 19,481 | — | ↗ |
| 2010-08-19 | Hall James W | Director | A-Award | A | Stock Option | 2,500 | 4.82 | 12.1K | 14,613 | — | ↗ |
| 2010-08-19 | COLE HERBERT M | Director | A-Award | D | Stock Option | 2,000 | 4.82 | 9.6K | 19,481 | — | ↗ |
| 2010-08-19 | Boike Douglas G | Director | A-Award | A | Commopn Stock | 3,000 | 4.82 | 14.5K | 24,615 | — | ↗ |
| 2010-08-19 | Anderson Lynda | Director | A-Award | A | Stock Option | 2,000 | 4.82 | 9.6K | 19,481 | — | ↗ |
| 2010-08-18 | Vasaly L William III | Officer | A-Award | A | Stock Option | 4,000 | 4.82 | 19.3K | 37,813 | — | ↗ |
| 2010-05-10 | Perkins Manuel L. | Director | A-Award | A | Common Stock | 278 | 5.40 | 1.5K | 13,403 | — | ↗ |
| 2010-05-10 | Olmsted John S | Director | A-Award | A | Common Stock | 278 | 5.40 | 1.5K | 50,278 | — | ↗ |
| 2010-05-10 | Neal Stephen S | Director | A-Award | A | Common Stock | 278 | 5.40 | 1.5K | 12,778 | — | ↗ |
| 2010-05-10 | Hall James W | Director | A-Award | A | Common Stock | 370 | 5.40 | 2.0K | 5,958 | — | ↗ |
| 2010-05-10 | COLE HERBERT M | Director | A-Award | A | Common Stock | 278 | 5.40 | 1.5K | 48,253 | — | ↗ |
| 2010-05-10 | Boike Douglas G | Director | A-Award | A | Common Stock | 463 | 5.40 | 2.5K | 1,713 | — | ↗ |
| 2010-05-10 | Black Ronald O | Director / Officer | A-Award | A | Common Stock | 1,038 | 5.40 | 5.6K | 2,288 | — | ↗ |
| 2010-05-01 | Anderson Lynda | Director | A-Award | A | Common Stock | 278 | 5.40 | 1.5K | 6,978 | — | ↗ |
| 2009-12-29 | COLE HERBERT M | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2009-11-23 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 100 | 5.59 | 559.00 | 31,445 | — | ↗ |
| 2009-05-29 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 10 | 6.25 | 62.50 | 30,645 | — | ↗ |
| 2009-05-28 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 816 | 6.25 | 5.1K | 30,635 | — | ↗ |
| 2009-05-20 | COLE HERBERT M | Director | P-Purchase | A | Common Stock | 200 | 6.36 | 1.3K | 47,675 | — | ↗ |
| 2009-03-24 | Boike Douglas G | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2008-08-26 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 1,000 | 8.50 | 8.5K | 28,500 | — | ↗ |
| 2008-06-09 | Boike Douglas G | Director | P-Purchase | A | Common Stock | 1,000 | 4.37 | 4.4K | 28,500 | — | ↗ |
| 2008-01-17 | Vasaly L William III | Officer | — | D | Common Stock | 0 | 0.00 | — | 625 | — | ↗ |
| 2008-01-07 | Perkins Manuel L. | Director | — | I | Common Stock | 0 | 0.00 | — | 13,125 | — | ↗ |
| 2008-01-07 | Olmsted John S | Director | — | D | Common Stock | 0 | 0.00 | — | 50,000 | — | ↗ |
| 2008-01-07 | Neal Stephen S | Director | — | D | Common Stock | 0 | 0.00 | — | 12,500 | — | ↗ |
| 2008-01-07 | Hall James W | Director | — | I | Common Stock | 0 | 0.00 | — | 14,800 | — | ↗ |
| 2008-01-07 | Boike Douglas G | Director | — | I | Common Stock | 0 | 0.00 | — | 1,250 | — | ↗ |
| 2008-01-07 | Black Ronald O | Director / Officer | — | I | Common Stock | 0 | 0.00 | — | 125 | — | ↗ |
| 2008-01-07 | Anderson Lynda | Director | — | D | Common Stock | 0 | 0.00 | — | 6,250 | — | ↗ |
| 2007-10-23 | COLE HERBERT M | Director | P-Purchase | A | Common Stock | 150 | 10.55 | 1.6K | 46,975 | — | ↗ |
| 2007-10-15 | COLE HERBERT M | Director | P-Purchase | A | Common Stock | 1,250 | 10.65 | 13.3K | 46,825 | — | ↗ |
| 2007-09-21 | COLE HERBERT M | Director | P-Purchase | A | Common Stock | 175 | 10.30 | 1.8K | 45,575 | — | ↗ |
| 2007-09-14 | COLE HERBERT M | Director | P-Purchase | A | Common Stock | 25 | 10.30 | 257.50 | 45,425 | — | ↗ |
| 2007-09-12 | COLE HERBERT M | Director | P-Purchase | A | Common Stock | 600 | 10.30 | 6.2K | 45,400 | — | ↗ |
| 2007-09-11 | COLE HERBERT M | Director | P-Purchase | A | Common Stock | 1,050 | 10.30 | 10.8K | 44,800 | — | ↗ |
| 2005-12-20 | Vasaly L William III | Officer | — | D | Stock Option | 15,000 | 8.80 | 132.0K | 0 | — | ↗ |
| 2005-12-20 | Perkins Manuel L. | Director | — | D | Stock Option | 7,500 | 10.00 | 75.0K | 0 | — | ↗ |
| 2005-12-20 | Olmsted John S | Director | — | D | Stock Option | 2,813 | 10.40 | 29.3K | 0 | — | ↗ |
| 2005-12-20 | Neal Stephen S | Director | — | D | Stock Option | 5,368 | 8.80 | 47.2K | 0 | — | ↗ |
| 2005-12-20 | Hall James W | Director | — | D | Stock Option | 7,500 | 10.00 | 75.0K | 0 | — | ↗ |
| 2005-12-20 | COLE HERBERT M | Director | A-Award | A | Stock Option | 1,800 | 11.20 | 20.2K | 17,481 | — | ↗ |
| 2005-12-20 | Boike Douglas G | Director | — | D | Stock Option | 6,723 | 8.80 | 59.2K | 0 | — | ↗ |
| 2005-12-20 | Black Ronald O | Director / Officer | — | D | Stock Option | 31,606 | 10.00 | 316.1K | 0 | — | ↗ |
| 2005-12-20 | Anderson Lynda | Director | — | D | Stock Option | 2,813 | 10.40 | 29.3K | 0 | — | ↗ |
| 2004-08-18 | COLE HERBERT M | Director | A-Award | A | Stock Option | 7,500 | 10.00 | 75.0K | 15,681 | — | ↗ |
| 2003-08-19 | COLE HERBERT M | Director | A-Award | A | Stock Option | 2,813 | 10.40 | 29.3K | 8,181 | — | ↗ |
| 2001-04-30 | COLE HERBERT M | Director | A-Award | A | Stock Option | 5,368 | 8.80 | 47.2K | 5,368 | — | ↗ |
Executive team
Top executives
EBIT / Employee
105.8K
Shares Outstanding
2.74M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Thomas W. Wayne | President, Chief Executive Officer & Chairman of the Board | 160.1K | male |
| Erle Savage | Senior Vice President | — | male |
| John Ekman | EVice President & Head of Private Client Group | — | male |
| Kamala Gurung | Executive Vice President of Finance & Accounting | — | female |
| Kevin Reid | CFO & Executive VP | — | male |
| Marissa S. Parrish | Chief People & Marketing Officer and Senior Vice President | — | female |
| Robert Brooks | Senior Vice President | — | — |
| S. Brady Young | Chief Retail Officer & Senior Vice President | — | male |
| Stephanie Hartmann | Executive Vice President & Chief Compliance Officer | — | female |
| Dan Steffes | Senior Vice President | — | male |
| Todd Kennedy | Senior Vice President | — | — |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for BKOR
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
