36.26 USD
-0.35 (-0.96%)
36.26 USD
0 (0%)
ORRF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. There are concerns on the financial health of ORRF while its profitability can be described as average. ORRF has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year ORRF was profitable.
ORRF had a positive operating cash flow in the past year.
In the past 5 years ORRF has always been profitable.
In the past 5 years ORRF always reported a positive cash flow from operatings.
1.2 Ratios
ORRF's Return On Assets of 1.34% is amongst the best of the industry. ORRF outperforms 82.99% of its industry peers.
ORRF has a better Return On Equity (12.77%) than 85.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 12.77% | ||
| 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 has a better Profit Margin (29.34%) than 76.55% of its industry peers.
ORRF's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for ORRF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.34% | ||
| 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.
ORRF has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, ORRF has more shares outstanding
The debt/assets ratio for ORRF is higher compared to a year ago.
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.
With a decent Debt to FCF ratio value of 1.12, ORRF is doing good in the industry, outperforming 62.37% of the companies in the same industry.
A Debt/Equity ratio of 0.12 indicates that ORRF is not too dependend on debt financing.
ORRF has a Debt to Equity ratio of 0.12. This is in the better half of the industry: ORRF outperforms 62.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.11%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.09% over the past year.
The Earnings Per Share has been growing by 14.25% on average over the past years. This is quite good.
Looking at the last year, ORRF shows a very strong growth in Revenue. The Revenue has grown by 52.41%.
The Revenue has been growing by 14.53% on average over the past years. This is quite good.
EPS 1Y (TTM)16.09%
EPS 3Y6.94%
EPS 5Y14.25%
EPS Q2Q%1.8%
Revenue 1Y (TTM)52.41%
Revenue growth 3Y18.36%
Revenue growth 5Y14.53%
Sales Q2Q%-1.37%
3.2 Future
ORRF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.97% yearly.
The Revenue is expected to grow by 13.73% on average over the next years. This is quite good.
EPS Next Y18.72%
EPS Next 2Y10.3%
EPS Next 3Y7.97%
EPS Next 5YN/A
Revenue Next Year39.05%
Revenue Next 2Y19.19%
Revenue Next 3Y13.73%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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 stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.98 indicates a reasonable valuation of ORRF.
Compared to the rest of the industry, the Price/Earnings ratio of ORRF indicates a rather cheap valuation: ORRF is cheaper than 90.98% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.61, ORRF is valued rather cheaply.
ORRF is valuated reasonably with a Price/Forward Earnings ratio of 8.23.
ORRF's Price/Forward Earnings ratio is rather cheap when compared to the industry. ORRF is cheaper than 87.89% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.01. ORRF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.98 | ||
| Fwd PE | 8.23 |
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 | 11.43 | ||
| 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)0.48
PEG (5Y)0.63
EPS Next 2Y10.3%
EPS Next 3Y7.97%
5. Dividend
5.1 Amount
ORRF has a Yearly Dividend Yield of 2.87%.
Compared to an average industry Dividend Yield of 2.74, ORRF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, ORRF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.87% |
5.2 History
The dividend of ORRF is nicely growing with an annual growth rate of 8.03%!
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
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 2Y10.3%
EPS Next 3Y7.97%
36.26
-0.35 (-0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners59.69%
Inst Owner Change1.26%
Ins Owners4.52%
Ins Owner Change-4.83%
Market Cap707.07M
Revenue(TTM)249.00M
Net Income(TTM)73.05M
Analysts83.64
Price Target41.82 (15.33%)
Short Float %2.12%
Short Ratio1.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.87% |
Yearly Dividend0.88
Dividend Growth(5Y)8.03%
DP27.15%
Div Incr Years9
Div Non Decr Years9
Ex-Date
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)3.02%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)-0.19%
EPS NY rev (1m)0%
EPS NY rev (3m)1.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.98 | ||
| Fwd PE | 8.23 | ||
| P/S | 2.84 | ||
| P/FCF | 11.43 | ||
| P/OCF | 10.62 | ||
| P/B | 1.24 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.04
EY11.14%
EPS(NY)4.4
Fwd EY12.15%
FCF(TTM)3.17
FCFY8.75%
OCF(TTM)3.42
OCFY9.42%
SpS12.77
BVpS29.33
TBVpS23.68
PEG (NY)0.48
PEG (5Y)0.63
Graham Number51.63
Profitability
| Industry Rank | Sector 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)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
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 3Y-26.06%
PM growth 5Y-7.91%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector 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
WACC15.11%
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)16.09%
EPS 3Y6.94%
EPS 5Y14.25%
EPS Q2Q%1.8%
EPS Next Y18.72%
EPS Next 2Y10.3%
EPS Next 3Y7.97%
EPS Next 5YN/A
Revenue 1Y (TTM)52.41%
Revenue growth 3Y18.36%
Revenue growth 5Y14.53%
Sales Q2Q%-1.37%
Revenue Next Year39.05%
Revenue Next 2Y19.19%
Revenue Next 3Y13.73%
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 1Y132.81%
FCF growth 3Y-5.51%
FCF growth 5Y40.12%
OCF growth 1Y134.2%
OCF growth 3Y-5.03%
OCF growth 5Y30.92%
ORRSTOWN FINL SERVICES INC / ORRF FAQ
What is the fundamental rating for ORRF stock?
ChartMill assigns a fundamental rating of 5 / 10 to ORRF.
What is the valuation status of ORRSTOWN FINL SERVICES INC (ORRF) stock?
ChartMill assigns a valuation rating of 6 / 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.
What is the financial health of ORRSTOWN FINL SERVICES INC (ORRF) stock?
The financial health rating of ORRSTOWN FINL SERVICES INC (ORRF) is 3 / 10.
How sustainable is the dividend of ORRSTOWN FINL SERVICES INC (ORRF) stock?
The dividend rating of ORRSTOWN FINL SERVICES INC (ORRF) is 6 / 10 and the dividend payout ratio is 27.15%.