Stock fact sheet · data as of
Oak Ridge Financial Services, Inc. (BKOR): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is BKOR undervalued?
At 32.40 (close of 16 Oct 2026), BKOR trades 23% under the GLS average fair value of 42.01. 5 of the 9 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS screen; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
The 9 models disagree widely: DDM gives 8.83 while DCF gives 72.47. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files BKOR under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for BKOR
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 72.47 | +124% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 41.34 | +28% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 55.54 | +71% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 16.37 | -49% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 23.01 | -29% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 71.03 | +119% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 58.03 | +79% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 8.83 | -73% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 31.47 | -3% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -206.58 | -738% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: BKOR passes 4 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 6.0 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 6.7%, ROE 11.2%, ROA 1.2% - with debt at 0.67 times equity and negative free cash flow.
The dividend yield is 1.85% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 6.7% |
|---|---|---|---|
| GLS Moat | 6.0 / 10 | ROE | 11.2% |
| Debt / equity | 0.67 | ROA | 1.2% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
BKOR has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $89M, with a beta of 0.19 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 22 / 25 | 23% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 9 / 15 | moat 6.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $89M cap, beta 0.19 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for BKOR in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Oak Ridge Financial Services, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| MCBK Madison County Financial, Inc. | 33.30 | 28.59 | -16% | 28No options | $89M |
| FDSB Fifth District Savings Bank | 16.89 | 8.03 | -110% | 25No options | $88M |
| ORPB Oregon Pacific Bancorp | 12.47 | 23.07 | +46% | 39No options | $90M |
| KLIB Killbuck Bancshares, Inc. | 171.75 | 440.65 | +61% | 39No options | $90M |
| CZBC Citizens Bancorp | 16.00 | 9.20 | -74% | 20No options | $90M |
| CIWV Citizens Financial Corp. | 51.40 | 168.34 | +69% | 39No options | $88M |
| KSBI KS Bancorp, Inc. | 81.55 | 161.11 | +49% | 39No options | $90M |
| FUSB First US Bancshares, Inc. | 16.45 | 17.26 | +5% | 39No options | $91M |
| EDVR Endeavor Bancorp | 19.75 | 45.52 | +57% | 39No options | $87M |
| FSMK 1ST SUMMIT BANCORP of Johnstown, Inc. | 42.88 | 34.41 | -25% | 27No options | $91M |
| FNWB First Northwest Bancorp | 9.63 | 12.04 | +20% | 39No options | $92M |
| HMLN Hamlin Bank and Trust Company | 256.60 | 446.04 | +42% | 39No options | $92M |
⚖ Compare BKOR with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BKOR
Is BKOR undervalued right now?
By the GLS models, moderately: at 32.40 the stock trades 23% below the average fair value of 42.01 (data as of 16 Oct 2026).
What is the Wheel Score of BKOR and what does it mean?
BKOR has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for BKOR?
42.01 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Oak Ridge Financial Services, Inc. report earnings next?
No upcoming earnings date is recorded for BKOR in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does BKOR have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BKOR, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.