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ORRSTOWN FINL SERVICES INC (ORRF) Stock Fundamental Analysis

NASDAQ:ORRF - Nasdaq - US6873801053 - Common Stock - Currency: USD

31.03  -0.11 (-0.35%)

After market: 31.03 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ORRF. ORRF was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of ORRF have multiple concerns. ORRF is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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2

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.
Each year in the past 5 years ORRF 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

ORRF's Return On Assets of 0.41% is on the low side compared to the rest of the industry. ORRF is outperformed by 79.55% of its industry peers.
Looking at the Return On Equity, with a value of 4.27%, ORRF is doing worse than 80.81% of the companies in the same industry.
Industry RankSector Rank
ROA 0.41%
ROE 4.27%
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
ORRF Yearly ROA, ROE, ROICORRF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 11.44%, ORRF is not doing good in the industry: 81.82% of the companies in the same industry are doing better.
ORRF's Profit Margin has declined in the last couple of years.
ORRF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 11.44%
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
ORRF Yearly Profit, Operating, Gross MarginsORRF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

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
The number of shares outstanding for ORRF has been increased compared to 5 years ago.
Compared to 1 year ago, ORRF has a worse debt to assets ratio.
ORRF Yearly Shares OutstandingORRF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
ORRF Yearly Total Debt VS Total AssetsORRF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

ORRF has a debt to FCF ratio of 2.84. This is a good value and a sign of high solvency as ORRF would need 2.84 years to pay back of all of its debts.
ORRF's Debt to FCF ratio of 2.84 is on the low side compared to the rest of the industry. ORRF is outperformed by 60.35% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that ORRF is not too dependend on debt financing.
The Debt to Equity ratio of ORRF (0.18) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.84
Altman-Z N/A
ROIC/WACCN/A
WACC16.11%
ORRF Yearly LT Debt VS Equity VS FCFORRF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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7

3. Growth

3.1 Past

ORRF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.73%, which is quite good.
The Earnings Per Share has been growing by 14.25% on average over the past years. This is quite good.
The Revenue has grown by 66.72% in the past year. This is a very strong growth!
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)13.73%
EPS 3Y6.94%
EPS 5Y14.25%
EPS Q2Q%23.46%
Revenue 1Y (TTM)66.72%
Revenue growth 3Y18.36%
Revenue growth 5Y14.53%
Sales Q2Q%81.4%

3.2 Future

ORRF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.39% yearly.
Based on estimates for the next years, ORRF will show a quite strong growth in Revenue. The Revenue will grow by 17.85% on average per year.
EPS Next Y13.44%
EPS Next 2Y8.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year34.25%
Revenue Next 2Y17.85%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ORRF Yearly Revenue VS EstimatesORRF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
ORRF Yearly EPS VS EstimatesORRF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.14, the valuation of ORRF can be described as very reasonable.
90.66% of the companies in the same industry are more expensive than ORRF, based on the Price/Earnings ratio.
ORRF is valuated cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 7.30, the valuation of ORRF can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ORRF indicates a rather cheap valuation: ORRF is cheaper than 87.88% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.50. ORRF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.14
Fwd PE 7.3
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

Based on the Price/Free Cash Flow ratio, ORRF is valued a bit more expensive than 70.96% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.14
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.61
PEG (5Y)0.57
EPS Next 2Y8.39%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

ORRF has a Yearly Dividend Yield of 3.34%.
ORRF's Dividend Yield is comparable with the industry average which is at 3.34.
Compared to an average S&P500 Dividend Yield of 2.36, ORRF pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.34%

5.2 History

On average, the dividend of ORRF grows each year by 8.03%, which is quite nice.
ORRF has been paying a dividend for at least 10 years, so it has a reliable track record.
As ORRF did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)8.03%
Div Incr Years9
Div Non Decr Years9
ORRF Yearly Dividends per shareORRF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

ORRF pays out 59.76% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of ORRF is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP59.76%
EPS Next 2Y8.39%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
ORRF Dividend Payout.ORRF Dividend Payout, showing the Payout Ratio.ORRF Dividend Payout.PayoutRetained Earnings

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ORRSTOWN FINL SERVICES INC

NASDAQ:ORRF (5/16/2025, 8:12:14 PM)

After market: 31.03 0 (0%)

31.03

-0.11 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners57.61%
Inst Owner Change-16.35%
Ins Owners4.21%
Ins Owner Change13.44%
Market Cap605.40M
Analysts83.64
Price Target37.13 (19.66%)
Short Float %2.2%
Short Ratio2.5
Dividend
Industry RankSector Rank
Dividend Yield 3.34%
Yearly Dividend0.88
Dividend Growth(5Y)8.03%
DP59.76%
Div Incr Years9
Div Non Decr Years9
Ex-Date05-06 2025-05-06 (0.26)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.47%
Min EPS beat(2)-16.93%
Max EPS beat(2)17.86%
EPS beat(4)3
Avg EPS beat(4)5.14%
Min EPS beat(4)-16.93%
Max EPS beat(4)17.86%
EPS beat(8)6
Avg EPS beat(8)4.56%
EPS beat(12)10
Avg EPS beat(12)8.61%
EPS beat(16)12
Avg EPS beat(16)8.13%
Revenue beat(2)1
Avg Revenue beat(2)-0.85%
Min Revenue beat(2)-4.65%
Max Revenue beat(2)2.95%
Revenue beat(4)2
Avg Revenue beat(4)-0.33%
Min Revenue beat(4)-4.65%
Max Revenue beat(4)2.95%
Revenue beat(8)4
Avg Revenue beat(8)0.61%
Revenue beat(12)8
Avg Revenue beat(12)9.91%
Revenue beat(16)12
Avg Revenue beat(16)15.48%
PT rev (1m)-9%
PT rev (3m)-17.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.74%
EPS NY rev (1m)1.4%
EPS NY rev (3m)-0.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.5%
Revenue NY rev (1m)4%
Revenue NY rev (3m)-2.08%
Valuation
Industry RankSector Rank
PE 8.14
Fwd PE 7.3
P/S 3.14
P/FCF 18.14
P/OCF 17.32
P/B 1.17
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)3.81
EY12.28%
EPS(NY)4.25
Fwd EY13.7%
FCF(TTM)1.71
FCFY5.51%
OCF(TTM)1.79
OCFY5.77%
SpS9.88
BVpS26.48
TBVpS20.54
PEG (NY)0.61
PEG (5Y)0.57
Profitability
Industry RankSector Rank
ROA 0.41%
ROE 4.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.44%
GM N/A
FCFM 17.32%
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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.84
Debt/EBITDA N/A
Cap/Depr 16.33%
Cap/Sales 0.82%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 151.37%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC16.11%
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)13.73%
EPS 3Y6.94%
EPS 5Y14.25%
EPS Q2Q%23.46%
EPS Next Y13.44%
EPS Next 2Y8.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)66.72%
Revenue growth 3Y18.36%
Revenue growth 5Y14.53%
Sales Q2Q%81.4%
Revenue Next Year34.25%
Revenue Next 2Y17.85%
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 1Y-19.39%
FCF growth 3Y-5.51%
FCF growth 5Y40.12%
OCF growth 1Y-20%
OCF growth 3Y-5.03%
OCF growth 5Y30.92%