ORRSTOWN FINL SERVICES INC (ORRF) Stock Fundamental Analysis
NASDAQ:ORRF - US6873801053 - Common Stock
34.61 USD
-0.24 (-0.69%)
ORRF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. ORRF has a bad profitability rating. Also its financial health evaluation is rather negative. ORRF is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
ORRF had positive earnings in the past year.
In the past year ORRF had a positive cash flow from operations.
Each year in the past 5 years ORRF has been profitable.
In the past 5 years ORRF always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.80%, ORRF perfoms like the industry average, outperforming 47.09% of the companies in the same industry.
With a Return On Equity value of 7.89%, ORRF perfoms like the industry average, outperforming 46.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 7.89% | ||
| ROIC | N/A |
ROA(3y)0.77%
ROA(5y)0.89%
ROE(3y)9.12%
ROE(5y)10.04%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ORRF's Profit Margin of 17.40% is on the low side compared to the rest of the industry. ORRF is outperformed by 68.86% of its industry peers.
In the last couple of years the Profit Margin of ORRF has declined.
ORRF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.4% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-26.06%
PM growth 5Y-7.91%
GM growth 3YN/A
GM growth 5YN/A
2. Health
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
ORRF has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of ORRF is 2.12, which is a good value as it means it would take ORRF, 2.12 years of fcf income to pay off all of its debts.
ORRF has a Debt to FCF ratio of 2.12. This is comparable to the rest of the industry: ORRF outperforms 47.09% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that ORRF is not too dependend on debt financing.
ORRF has a Debt to Equity ratio of 0.18. This is comparable to the rest of the industry: ORRF outperforms 47.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ORRF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.07%, which is quite impressive.
Measured over the past years, ORRF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.25% on average per year.
ORRF shows a strong growth in Revenue. In the last year, the Revenue has grown by 89.22%.
ORRF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.53% yearly.
EPS 1Y (TTM)24.07%
EPS 3Y6.94%
EPS 5Y14.25%
EPS Q2Q%25.3%
Revenue 1Y (TTM)89.22%
Revenue growth 3Y18.36%
Revenue growth 5Y14.53%
Sales Q2Q%126.18%
3.2 Future
The Earnings Per Share is expected to grow by 10.18% on average over the next years. This is quite good.
ORRF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.64% yearly.
EPS Next Y17.15%
EPS Next 2Y10.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year35.97%
Revenue Next 2Y18.64%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
ORRF is valuated reasonably with a Price/Earnings ratio of 8.61.
Based on the Price/Earnings ratio, ORRF is valued cheaply inside the industry as 91.39% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of ORRF to the average of the S&P500 Index (27.13), we can say ORRF is valued rather cheaply.
A Price/Forward Earnings ratio of 7.88 indicates a rather cheap 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 86.33% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.76. ORRF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.61 | ||
| Fwd PE | 7.88 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ORRF is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.44 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
ORRF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.5
PEG (5Y)0.6
EPS Next 2Y10.18%
EPS Next 3YN/A
5. Dividend
5.1 Amount
ORRF has a Yearly Dividend Yield of 3.10%.
Compared to an average industry Dividend Yield of 3.17, ORRF has a dividend in line with its industry peers.
ORRF's Dividend Yield is a higher than the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.1% |
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
5.3 Sustainability
43.96% of the earnings are spent on dividend by ORRF. This is a bit on the high side, but may be sustainable.
The dividend of ORRF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP43.96%
EPS Next 2Y10.18%
EPS Next 3YN/A
NASDAQ:ORRF (9/2/2025, 1:34:56 PM)
34.61
-0.24 (-0.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.57%
Inst Owner Change1.52%
Ins Owners4.51%
Ins Owner Change-1.35%
Market Cap674.55M
Analysts83.64
Price Target40.6 (17.31%)
Short Float %1.64%
Short Ratio1.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.1% |
Yearly Dividend0.88
Dividend Growth(5Y)8.03%
DP43.96%
Div Incr Years9
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.09%
Min EPS beat(2)4.25%
Max EPS beat(2)5.92%
EPS beat(4)3
Avg EPS beat(4)2.78%
Min EPS beat(4)-16.93%
Max EPS beat(4)17.86%
EPS beat(8)6
Avg EPS beat(8)3.2%
EPS beat(12)10
Avg EPS beat(12)5.37%
EPS beat(16)12
Avg EPS beat(16)6.43%
Revenue beat(2)1
Avg Revenue beat(2)6.96%
Min Revenue beat(2)-2.95%
Max Revenue beat(2)16.87%
Revenue beat(4)2
Avg Revenue beat(4)3.05%
Min Revenue beat(4)-4.65%
Max Revenue beat(4)16.87%
Revenue beat(8)3
Avg Revenue beat(8)0.96%
Revenue beat(12)7
Avg Revenue beat(12)5.8%
Revenue beat(16)11
Avg Revenue beat(16)12.73%
PT rev (1m)6.99%
PT rev (3m)9.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.03%
EPS NY rev (1m)3.27%
EPS NY rev (3m)3.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.61 | ||
| Fwd PE | 7.88 | ||
| P/S | 2.71 | ||
| P/FCF | 14.44 | ||
| P/OCF | 13.15 | ||
| P/B | 1.23 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.02
EY11.62%
EPS(NY)4.39
Fwd EY12.7%
FCF(TTM)2.4
FCFY6.92%
OCF(TTM)2.63
OCFY7.6%
SpS12.76
BVpS28.14
TBVpS22.37
PEG (NY)0.5
PEG (5Y)0.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 7.89% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.4% | ||
| GM | N/A | ||
| FCFM | 18.78% |
ROA(3y)0.77%
ROA(5y)0.89%
ROE(3y)9.12%
ROE(5y)10.04%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-26.06%
PM growth 5Y-7.91%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.12 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 29.7% | ||
| Cap/Sales | 1.84% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 107.9% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC15.36%
ROIC/WACCN/A
Cap/Depr(3y)29.51%
Cap/Depr(5y)26.37%
Cap/Sales(3y)1.09%
Cap/Sales(5y)1.1%
Profit Quality(3y)142.55%
Profit Quality(5y)131.37%
High Growth Momentum
Growth
EPS 1Y (TTM)24.07%
EPS 3Y6.94%
EPS 5Y14.25%
EPS Q2Q%25.3%
EPS Next Y17.15%
EPS Next 2Y10.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)89.22%
Revenue growth 3Y18.36%
Revenue growth 5Y14.53%
Sales Q2Q%126.18%
Revenue Next Year35.97%
Revenue Next 2Y18.64%
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 1Y52.47%
FCF growth 3Y-5.51%
FCF growth 5Y40.12%
OCF growth 1Y57.53%
OCF growth 3Y-5.03%
OCF growth 5Y30.92%