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Last update at 2026-06-22T20:00:00Z
Source: TradingView
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 10.37M | 7.38M | 7.39M | 8.37M | - |
| Minority interest | - | - | - | - | - |
| Net income | 8.01M | 5.67M | 5.74M | 6.66M | - |
| Selling general administrative | 13.00M | 2.66M | 1.38M | 1.10M | - |
| Selling and marketing expenses | - | 13.43M | 13.30M | 13.16M | - |
| Gross profit | 29.36M | 25.64M | 25.97M | 25.70M | - |
| Reconciled depreciation | - | 1.09M | 1.42M | 1.58M | - |
| Ebit | - | 7.38M | 7.39M | 8.37M | - |
| Ebitda | 10.37M | 8.47M | 8.81M | 9.95M | - |
| Depreciation and amortization | - | 1.09M | 1.42M | 1.58M | - |
| Non operating income net other | - | - | - | - | - |
| Operating income | 10.37M | 9.55M | 7.39M | 8.37M | - |
| Other operating expenses | 33.91M | 16.09M | 27.97M | 19.72M | 1.33M |
| Interest expense | 13.64M | 14.05M | 9.40M | 2.38M | - |
| Tax provision | - | 1.71M | 1.65M | 1.71M | - |
| Interest income | - | 37.54M | 31.27M | 23.97M | - |
| Net interest income | - | 23.50M | 21.87M | 21.59M | - |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 2.36M | 1.71M | 1.65M | 1.71M | 2.03M |
| Total revenue | 44.28M | 25.64M | 35.36M | 28.09M | - |
| Total operating expenses | 18.99M | 16.09M | 18.58M | 17.33M | - |
| Cost of revenue | 14.92M | 14.05M | 9.40M | 2.38M | - |
| Total other income expense net | - | -2.17100M | -2.14900M | -0.02200M | - |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | - | 5.67M | 5.74M | 6.66M | - |
| Net income applicable to common shares | - | - | - | - | 7.76M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 660.24M | 663.68M | 620.05M | 589.28M | - |
| Intangible assets | - | - | - | - | - |
| Earning assets | - | - | - | - | - |
| Other current assets | 26.61M | - | 23.00M | 52.35M | 1.84M |
| Total liab | 588.95M | 600.69M | 561.71M | 536.64M | - |
| Total stockholder equity | 71.29M | 62.99M | 58.35M | 52.64M | - |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 128.93M | 266.42M | 102.01M | -30.52300M | - |
| Common stock | 27.27M | 26.73M | 26.74M | 26.21M | 25.53M |
| Capital stock | - | 26.73M | - | 26.21M | - |
| Retained earnings | 43.85M | 37.77M | 33.36M | 28.64M | 22.82M |
| Other liab | - | - | - | - | 5.82M |
| Good will | - | - | - | - | - |
| Other assets | 633.63M | 640.16M | 2.58M | - | 438.16M |
| Cash | - | 21.18M | 20.43M | 50.36M | - |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 152.93M | 267.12M | 102.01M | 150.79M | 509.39M |
| Current deferred revenue | - | - | - | -0.22600M | - |
| Net debt | 49.90M | 19.05M | -2.23400M | -0.60400M | - |
| Short term debt | 24.00M | - | 40.38M | 30.30M | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 49.90M | 40.23M | 18.19M | 49.75M | - |
| Other stockholder equity | - | -0.00000M | 0.00000M | -2.20600M | 2.98M |
| Property plant equipment | - | - | - | - | 11.50M |
| Total current assets | 26.61M | 24.31M | 20.43M | 52.35M | 89.93M |
| Long term investments | - | 104.38M | - | 92.10M | - |
| Net tangible assets | - | - | - | - | 51.33M |
| Short term investments | - | - | - | - | - |
| Net receivables | - | 3.13M | - | 2.00M | - |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | - | -52.35200M | - |
| Accounts payable | - | 0.71M | - | 0.23M | 509.28M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | 0.17M | -1.51400M | -1.75300M | -2.20600M | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -11.22800M | 116.89M | 568.81M | 486.04M | - |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | - | 639.37M | 597.05M | 536.93M | - |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Investments | -43.87100M | -57.93200M | -48.72000M | - | - |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | -43.87100M | -57.93200M | -47.64700M | - | - |
| Net borrowings | 22.00M | -12.41800M | 29.73M | - | - |
| Total cash from financing activities | 38.14M | 20.70M | 0.61M | - | - |
| Change to operating activities | - | - | - | - | - |
| Net income | 5.67M | 5.74M | 6.66M | 7.76M | 3.26M |
| Change in cash | 0.75M | -29.93100M | -37.72800M | - | - |
| Begin period cash flow | 20.43M | 50.36M | 88.08M | - | - |
| End period cash flow | 21.18M | 20.43M | 50.36M | - | - |
| Total cash from operating activities | 6.48M | 7.30M | 9.31M | - | - |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 1.09M | 1.42M | 1.58M | - | - |
| Other cashflows from investing activities | -43.87100M | -40.54800M | 4.27M | - | - |
| Dividends paid | 1.27M | 1.04M | 0.83M | - | - |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | -0.58400M | - | - | - |
| Sale purchase of stock | -0.49100M | 0.00000M | - | - | - |
| Other cashflows from financing activities | 38.17M | 34.16M | -28.29400M | - | - |
| Change to netincome | - | - | - | - | - |
| Capital expenditures | 1.10M | 0.23M | 0.45M | 0.00000M | 0.00000M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -1.07900M | -0.44800M | 1.60M | - | - |
| Stock based compensation | 0.49M | 0.53M | 0.68M | - | - |
| Other non cash items | 1.89M | 0.06M | -1.19100M | - | - |
| Free cash flow | 5.38M | 7.07M | 8.86M | - | - |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BKOR Oak Ridge Financial Services Inc |
- -% | 30.99 | 15.05 | - | 2.90 | 1.35 | 5.39 |
| HDB HDFC Bank Limited ADR |
-0.07 0.28% | 25.02 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.14 0.47% | 29.93 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
-0.1 0.19% | 51.25 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Oak Ridge Financial Services, Inc. operates as a bank holding company for Bank of Oak Ridge that provides various banking products and services for individuals and businesses. It offers checking, savings, and money market accounts; overdrafts; auto, home equity, mortgage, business term, and business SBA loans; business lines of credit; credit cards; and online and mobile banking products and services. The company also provides health savings accounts, identity theft protection, wealth management, cash management, and remote deposit capture services; and auto, home, small business, renters, life, boat and watercraft, classic car, motorcycle, flood, pet, and umbrella insurance products. It operates through a network of branches in Oak Ridge, Greensboro, and Summerfield, North Carolina. The company was founded in 2000 and is based in Oak Ridge, North Carolina.
2211 Oak Ridge Road, Oak Ridge, NC, United States, 27310
| Name | Title | Year Born |
|---|---|---|
| Mr. Thomas W. Wayne CPA | Pres, CEO, CFO & Director | 1963 |
| Ms. Marissa S. Parrish | Chief People & Marketing Officer and Sr. VP | NA |
| Mr. S. Brady Young | Chief Retail Officer & Sr. VP | NA |
| Mr. Jeffrey Finberg | Chief Lending Officer & Director of Lending | NA |
| Mr. Thomas W. Wayne CPA | President, CEO & Director | 1963 |
| Mr. Kevin Reid | CFO & Senior VP | NA |
| Ms. Sarah Wisniewski | Senior VP & Chief Compliance Officer | NA |
| Ms. Marissa S. Parrish | Chief People & Marketing Officer and Senior VP | NA |
| Mr. S. Brady Young | Chief Retail Officer & Senior VP | NA |
| Dan Steffes | Senior Vice President | NA |
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