ORRSTOWN FINL SERVICES INC (ORRF) Fundamental Analysis & Valuation

NASDAQ:ORRF • US6873801053

Current stock price

34.81 USD
+0.8 (+2.35%)
Last:

This ORRF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. ORRF Profitability Analysis

1.1 Basic Checks

  • ORRF had positive earnings in the past year.
  • In the past year ORRF had a positive cash flow from operations.
  • In the past 5 years ORRF has always been profitable.
  • Of the past 5 years ORRF 4 years had a positive operating cash flow.
ORRF Yearly Net Income VS EBIT VS OCF VS FCFORRF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

1.2 Ratios

  • With an excellent Return On Assets value of 1.34%, ORRF belongs to the best of the industry, outperforming 82.94% of the companies in the same industry.
  • With an excellent Return On Equity value of 12.77%, ORRF belongs to the best of the industry, outperforming 84.51% of the companies in the same industry.
Industry RankSector Rank
ROA 1.34%
ROE 12.77%
ROIC N/A
ROA(3y)1.01%
ROA(5y)0.99%
ROE(3y)10.46%
ROE(5y)10.63%
ROIC(3y)N/A
ROIC(5y)N/A
ORRF Yearly ROA, ROE, ROICORRF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 29.34%, ORRF is in the better half of the industry, outperforming 74.02% of the companies in the same industry.
  • In the last couple of years the Profit Margin of ORRF has grown nicely.
  • The Operating Margin and Gross Margin are not available for ORRF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 29.34%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y22.59%
PM growth 5Y6.25%
GM growth 3YN/A
GM growth 5YN/A
ORRF Yearly Profit, Operating, Gross MarginsORRF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. ORRF Health Analysis

2.1 Basic Checks

  • ORRF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, ORRF has more shares outstanding
  • Compared to 5 years ago, ORRF has more shares outstanding
  • The debt/assets ratio for ORRF has been reduced compared to a year ago.
ORRF Yearly Shares OutstandingORRF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
ORRF Yearly Total Debt VS Total AssetsORRF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • The Debt to FCF ratio of ORRF is 1.12, which is an excellent value as it means it would take ORRF, only 1.12 years of fcf income to pay off all of its debts.
  • ORRF has a Debt to FCF ratio of 1.12. This is in the better half of the industry: ORRF outperforms 65.62% of its industry peers.
  • A Debt/Equity ratio of 0.12 indicates that ORRF is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.12, ORRF is doing good in the industry, outperforming 61.94% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.12
Altman-Z N/A
ROIC/WACCN/A
WACC15.45%
ORRF Yearly LT Debt VS Equity VS FCFORRF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ORRF Yearly Current Assets VS Current LiabilitesORRF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. ORRF Growth Analysis

3.1 Past

  • ORRF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.23%, which is quite good.
  • The Earnings Per Share has been growing by 12.55% on average over the past years. This is quite good.
  • The Revenue has grown by 30.84% in the past year. This is a very strong growth!
  • Measured over the past years, ORRF shows a quite strong growth in Revenue. The Revenue has been growing by 17.64% on average per year.
EPS 1Y (TTM)18.23%
EPS 3Y9.61%
EPS 5Y12.55%
EPS Q2Q%27.59%
Revenue 1Y (TTM)30.84%
Revenue growth 3Y25.82%
Revenue growth 5Y17.64%
Sales Q2Q%-0.08%

3.2 Future

  • The Earnings Per Share is expected to grow by 2.19% on average over the next years.
  • ORRF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.77% yearly.
EPS Next Y1.05%
EPS Next 2Y2.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.07%
Revenue Next 2Y4.77%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ORRF Yearly Revenue VS EstimatesORRF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
ORRF Yearly EPS VS EstimatesORRF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. ORRF Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.13, which indicates a very decent valuation of ORRF.
  • ORRF's Price/Earnings ratio is rather cheap when compared to the industry. ORRF is cheaper than 91.08% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.79. ORRF is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 8.05 indicates a reasonable valuation of ORRF.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ORRF indicates a rather cheap valuation: ORRF is cheaper than 86.35% of the companies listed in the same industry.
  • ORRF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.80.
Industry RankSector Rank
PE 8.13
Fwd PE 8.05
ORRF Price Earnings VS Forward Price EarningsORRF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • ORRF's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 10.98
EV/EBITDA N/A
ORRF Per share dataORRF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ORRF does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)7.77
PEG (5Y)0.65
EPS Next 2Y2.19%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. ORRF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.51%, ORRF has a reasonable but not impressive dividend return.
  • ORRF's Dividend Yield is a higher than the industry average which is at 2.90.
  • Compared to an average S&P500 Dividend Yield of 1.91, ORRF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.51%

5.2 History

  • On average, the dividend of ORRF grows each year by 8.03%, which is quite nice.
  • ORRF has paid a dividend for at least 10 years, which is a reliable track record.
  • ORRF has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)8.03%
Div Incr Years9
Div Non Decr Years9
ORRF Yearly Dividends per shareORRF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 27.15% of the earnings are spent on dividend by ORRF. This is a low number and sustainable payout ratio.
  • ORRF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP27.15%
EPS Next 2Y2.19%
EPS Next 3YN/A
ORRF Yearly Income VS Free CF VS DividendORRF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
ORRF Dividend Payout.ORRF Dividend Payout, showing the Payout Ratio.ORRF Dividend Payout.PayoutRetained Earnings

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ORRF Fundamentals: All Metrics, Ratios and Statistics

ORRSTOWN FINL SERVICES INC

NASDAQ:ORRF (3/19/2026, 3:53:54 PM)

34.81

+0.8 (+2.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners59.33%
Inst Owner Change1.81%
Ins Owners4.87%
Ins Owner Change8.16%
Market Cap679.14M
Revenue(TTM)252.10M
Net Income(TTM)73.05M
Analysts81.82
Price Target41.82 (20.14%)
Short Float %2.05%
Short Ratio1.6
Dividend
Industry RankSector Rank
Dividend Yield 3.51%
Yearly Dividend0.88
Dividend Growth(5Y)8.03%
DP27.15%
Div Incr Years9
Div Non Decr Years9
Ex-Date02-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.98%
Min EPS beat(2)4.25%
Max EPS beat(2)5.71%
EPS beat(4)3
Avg EPS beat(4)-0.26%
Min EPS beat(4)-16.93%
Max EPS beat(4)5.92%
EPS beat(8)6
Avg EPS beat(8)3.19%
EPS beat(12)10
Avg EPS beat(12)5.17%
EPS beat(16)13
Avg EPS beat(16)6.88%
Revenue beat(2)1
Avg Revenue beat(2)2.15%
Min Revenue beat(2)-12.57%
Max Revenue beat(2)16.87%
Revenue beat(4)1
Avg Revenue beat(4)-0.83%
Min Revenue beat(4)-12.57%
Max Revenue beat(4)16.87%
Revenue beat(8)3
Avg Revenue beat(8)-0.35%
Revenue beat(12)6
Avg Revenue beat(12)2.68%
Revenue beat(16)10
Avg Revenue beat(16)9.76%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.63%
EPS NY rev (1m)0.71%
EPS NY rev (3m)-1.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)3.82%
Valuation
Industry RankSector Rank
PE 8.13
Fwd PE 8.05
P/S 2.73
P/FCF 10.98
P/OCF 10.2
P/B 1.19
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)4.28
EY12.3%
EPS(NY)4.32
Fwd EY12.42%
FCF(TTM)3.17
FCFY9.11%
OCF(TTM)3.41
OCFY9.81%
SpS12.76
BVpS29.32
TBVpS23.67
PEG (NY)7.77
PEG (5Y)0.65
Graham Number53.13
Profitability
Industry RankSector Rank
ROA 1.34%
ROE 12.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.34%
GM N/A
FCFM 24.85%
ROA(3y)1.01%
ROA(5y)0.99%
ROE(3y)10.46%
ROE(5y)10.63%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y22.59%
PM growth 5Y6.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.12
Debt/EBITDA N/A
Cap/Depr 30.48%
Cap/Sales 1.9%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 84.7%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.45%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.23%
EPS 3Y9.61%
EPS 5Y12.55%
EPS Q2Q%27.59%
EPS Next Y1.05%
EPS Next 2Y2.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)30.84%
Revenue growth 3Y25.82%
Revenue growth 5Y17.64%
Sales Q2Q%-0.08%
Revenue Next Year6.07%
Revenue Next 2Y4.77%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y57.4%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y65.29%
OCF growth 3YN/A
OCF growth 5YN/A

ORRSTOWN FINL SERVICES INC / ORRF Fundamental Analysis FAQ

What is the fundamental rating for ORRF stock?

ChartMill assigns a fundamental rating of 4 / 10 to ORRF.


What is the valuation status for ORRF stock?

ChartMill assigns a valuation rating of 5 / 10 to ORRSTOWN FINL SERVICES INC (ORRF). This can be considered as Fairly Valued.


How profitable is ORRSTOWN FINL SERVICES INC (ORRF) stock?

ORRSTOWN FINL SERVICES INC (ORRF) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for ORRF stock?

The Price/Earnings (PE) ratio for ORRSTOWN FINL SERVICES INC (ORRF) is 8.13 and the Price/Book (PB) ratio is 1.19.


What is the earnings growth outlook for ORRSTOWN FINL SERVICES INC?

The Earnings per Share (EPS) of ORRSTOWN FINL SERVICES INC (ORRF) is expected to grow by 1.05% in the next year.