ORRSTOWN FINL SERVICES INC (ORRF)
US6873801053 - Common Stock
Overall ORRF gets a fundamental rating of 5 out of 10. We evaluated ORRF against 411 industry peers in the Banks industry. There are concerns on the financial health of ORRF while its profitability can be described as average. ORRF is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year ORRF was profitable.
In the past year ORRF had a positive cash flow from operations.
Each year in the past 5 years ORRF has been profitable.
Each year in the past 5 years ORRF had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.16%, ORRF is in the better half of the industry, outperforming 74.94% of the companies in the same industry.
ORRF has a better Return On Equity (13.45%) than 85.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 13.45% | ||
| ROIC | N/A |
ROA(3y)1.03%
ROA(5y)0.95%
ROE(3y)11.73%
ROE(5y)10.71%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 27.32%, ORRF is in the better half of the industry, outperforming 67.15% of the companies in the same industry.
ORRF's Profit Margin has improved 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.32% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.87%
PM growth 5Y9.33%
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 less shares outstanding than it did 1 year ago.
ORRF has more shares outstanding than it did 5 years ago.
ORRF has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of ORRF is 1.01, which is an excellent value as it means it would take ORRF, only 1.01 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.01, ORRF is doing good in the industry, outperforming 75.43% of the companies in the same industry.
ORRF has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
ORRF has a Debt to Equity ratio of 0.16. This is in the better half of the industry: ORRF outperforms 64.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ORRF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.92%.
Measured over the past years, ORRF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.01% on average per year.
The Revenue has been growing slightly by 3.14% in the past year.
The Revenue has been growing by 12.27% on average over the past years. This is quite good.
EPS 1Y (TTM)4.92%
EPS 3Y12.89%
EPS 5Y14.01%
EPS growth Q2Q-19.78%
Revenue 1Y (TTM)3.14%
Revenue growth 3Y5.27%
Revenue growth 5Y12.27%
Revenue growth Q2Q-3.56%
3.2 Future
Based on estimates for the next years, ORRF will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.64% on average per year.
Based on estimates for the next years, ORRF will show a very strong growth in Revenue. The Revenue will grow by 39.76% on average per year.
EPS Next Y0.78%
EPS Next 2Y11.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year40.16%
Revenue Next 2Y39.76%
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 stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
ORRF is valuated cheaply with a Price/Earnings ratio of 7.75.
77.86% of the companies in the same industry are more expensive than ORRF, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ORRF to the average of the S&P500 Index (25.20), we can say ORRF is valued rather cheaply.
ORRF is valuated cheaply with a Price/Forward Earnings ratio of 7.69.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ORRF indicates a rather cheap valuation: ORRF is cheaper than 84.67% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of ORRF to the average of the S&P500 Index (21.63), we can say ORRF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.75 | ||
| Fwd PE | 7.69 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ORRF is valued a bit cheaper than the industry average as 71.78% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)9.89
PEG (5Y)0.55
EPS Next 2Y11.64%
EPS Next 3YN/A
5. Dividend
5.1 Amount
ORRF has a Yearly Dividend Yield of 3.09%. Purely for dividend investing, there may be better candidates out there.
ORRF's Dividend Yield is slightly below the industry average, which is at 3.86.
Compared to an average S&P500 Dividend Yield of 2.44, ORRF pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
5.2 History
On average, the dividend of ORRF grows each year by 10.01%, which is quite nice.
ORRF has been paying a dividend for at least 10 years, so it has 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)10.01%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
ORRF pays out 23.79% of its income as dividend. This is a sustainable payout ratio.
ORRF's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP23.79%
EPS Next 2Y11.64%
EPS Next 3YN/A
ORRSTOWN FINL SERVICES INC
NASDAQ:ORRF (4/25/2024, 7:09:35 PM)
After market: 26.43 0 (0%)26.43
+0.19 (+0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap283.07M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.75 | ||
| Fwd PE | 7.69 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)9.89
PEG (5Y)0.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 13.45% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 27.32% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)4.92%
EPS 3Y12.89%
EPS 5Y
EPS growth Q2Q
EPS Next Y0.78%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)3.14%
Revenue growth 3Y5.27%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y