ORRSTOWN FINL SERVICES INC (ORRF) Fundamental Analysis & Valuation

NASDAQ:ORRF • US6873801053

Current stock price

38.45 USD
+0.03 (+0.08%)
At close:
38.45 USD
0 (0%)
After Hours:

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

5

1. ORRF Profitability Analysis

1.1 Basic Checks

  • In the past year ORRF was profitable.
  • In the past year ORRF had a positive cash flow from operations.
  • In the past 5 years ORRF has always been profitable.
  • ORRF had a positive operating cash flow in each of the past 5 years.
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

  • ORRF's Return On Assets of 1.46% is amongst the best of the industry. ORRF outperforms 85.15% of its industry peers.
  • The Return On Equity of ORRF (13.67%) is better than 89.66% of its industry peers.
Industry RankSector Rank
ROA 1.46%
ROE 13.67%
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

  • With an excellent Profit Margin value of 32.07%, ORRF belongs to the best of the industry, outperforming 82.76% of the companies in the same industry.
  • In the last couple of years the Profit Margin of ORRF has grown nicely.
  • 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) 32.07%
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.
  • The number of shares outstanding for ORRF has been increased compared to 1 year ago.
  • Compared to 5 years ago, ORRF has more shares outstanding
  • ORRF has a better debt/assets ratio than last year.
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

  • ORRF has a debt to FCF ratio of 0.88. This is a very positive value and a sign of high solvency as it would only need 0.88 years to pay back of all of its debts.
  • ORRF has a better Debt to FCF ratio (0.88) than 71.62% of its industry peers.
  • A Debt/Equity ratio of 0.10 indicates that ORRF is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.10, ORRF is doing good in the industry, outperforming 65.52% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.88
Altman-Z N/A
ROIC/WACCN/A
WACC14.52%
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.
  • ORRF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.55% yearly.
  • Looking at the last year, ORRF shows a very strong growth in Revenue. The Revenue has grown by 30.84%.
  • ORRF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.64% yearly.
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 1.58% 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 2.72% yearly.
EPS Next Y0.81%
EPS Next 2Y1.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.36%
Revenue Next 2Y2.72%
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

  • With a Price/Earnings ratio of 8.98, the valuation of ORRF can be described as very reasonable.
  • Based on the Price/Earnings ratio, ORRF is valued cheaply inside the industry as 89.66% of the companies are valued more expensively.
  • ORRF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.34.
  • With a Price/Forward Earnings ratio of 8.91, the valuation of ORRF can be described as very reasonable.
  • ORRF's Price/Forward Earnings ratio is rather cheap when compared to the industry. ORRF is cheaper than 84.35% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.18, ORRF is valued rather cheaply.
Industry RankSector Rank
PE 8.98
Fwd PE 8.91
ORRF Price Earnings VS Forward Price EarningsORRF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, ORRF is valued a bit cheaper than the industry average as 66.84% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.7
EV/EBITDA N/A
ORRF Per share dataORRF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)11.11
PEG (5Y)0.72
EPS Next 2Y1.58%
EPS Next 3YN/A

More info and screens

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

7

5. ORRF Dividend Analysis

5.1 Amount

  • ORRF has a Yearly Dividend Yield of 3.08%.
  • ORRF's Dividend Yield is a higher than the industry average which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.82, ORRF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.08%

5.2 History

  • On average, the dividend of ORRF grows each year by 9.33%, 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 for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.33%
Div Incr Years10
Div Non Decr Years10
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

  • 25.53% 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.
DP25.53%
EPS Next 2Y1.58%
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 (4/14/2026, 8:00:02 PM)

After market: 38.45 0 (0%)

38.45

+0.03 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-28
Inst Owners59.49%
Inst Owner Change0%
Ins Owners4.47%
Ins Owner Change8.72%
Market Cap754.39M
Revenue(TTM)252.10M
Net Income(TTM)80.86M
Analysts82
Price Target42.84 (11.42%)
Short Float %4.33%
Short Ratio4.03
Dividend
Industry RankSector Rank
Dividend Yield 3.08%
Yearly Dividend1.06
Dividend Growth(5Y)9.33%
DP25.53%
Div Incr Years10
Div Non Decr Years10
Ex-Date02-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.09%
Min EPS beat(2)2.47%
Max EPS beat(2)5.71%
EPS beat(4)4
Avg EPS beat(4)4.59%
Min EPS beat(4)2.47%
Max EPS beat(4)5.92%
EPS beat(8)7
Avg EPS beat(8)4.87%
EPS beat(12)10
Avg EPS beat(12)4.57%
EPS beat(16)14
Avg EPS beat(16)7.6%
Revenue beat(2)0
Avg Revenue beat(2)-11.65%
Min Revenue beat(2)-12.57%
Max Revenue beat(2)-10.74%
Revenue beat(4)1
Avg Revenue beat(4)-2.35%
Min Revenue beat(4)-12.57%
Max Revenue beat(4)16.87%
Revenue beat(8)3
Avg Revenue beat(8)-1.34%
Revenue beat(12)5
Avg Revenue beat(12)-0.38%
Revenue beat(16)9
Avg Revenue beat(16)6.84%
PT rev (1m)2.44%
PT rev (3m)2.44%
EPS NQ rev (1m)-0.53%
EPS NQ rev (3m)-2.07%
EPS NY rev (1m)-0.24%
EPS NY rev (3m)-1.95%
Revenue NQ rev (1m)-0.22%
Revenue NQ rev (3m)3.31%
Revenue NY rev (1m)-3.5%
Revenue NY rev (3m)0.18%
Valuation
Industry RankSector Rank
PE 8.98
Fwd PE 8.91
P/S 2.99
P/FCF 10.7
P/OCF 10.09
P/B 1.28
P/tB 1.56
EV/EBITDA N/A
EPS(TTM)4.28
EY11.13%
EPS(NY)4.31
Fwd EY11.22%
FCF(TTM)3.59
FCFY9.35%
OCF(TTM)3.81
OCFY9.91%
SpS12.85
BVpS30.15
TBVpS24.66
PEG (NY)11.11
PEG (5Y)0.72
Graham Number53.88
Profitability
Industry RankSector Rank
ROA 1.46%
ROE 13.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.07%
GM N/A
FCFM 27.96%
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 0.1
Debt/FCF 0.88
Debt/EBITDA N/A
Cap/Depr 27.73%
Cap/Sales 1.68%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 87.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.52%
ROIC/WACCN/A
Cap/Depr(3y)32.3%
Cap/Depr(5y)27.96%
Cap/Sales(3y)1.42%
Cap/Sales(5y)1.21%
Profit Quality(3y)118.22%
Profit Quality(5y)127.02%
High Growth Momentum
Growth
EPS 1Y (TTM)18.23%
EPS 3Y9.61%
EPS 5Y12.55%
EPS Q2Q%27.59%
EPS Next Y0.81%
EPS Next 2Y1.58%
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 Year2.36%
Revenue Next 2Y2.72%
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 1Y111.22%
FCF growth 3Y25.94%
FCF growth 5Y19.55%
OCF growth 1Y113.78%
OCF growth 3Y27.34%
OCF growth 5Y19.89%

ORRSTOWN FINL SERVICES INC / ORRF Fundamental Analysis FAQ

What is the fundamental rating for ORRF stock?

ChartMill assigns a fundamental rating of 5 / 10 to ORRF.


Can you provide the valuation status for ORRSTOWN FINL SERVICES INC?

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


Can you provide the profitability details for ORRSTOWN FINL SERVICES INC?

ORRSTOWN FINL SERVICES INC (ORRF) has a profitability rating of 5 / 10.


What is the valuation of ORRSTOWN FINL SERVICES INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ORRSTOWN FINL SERVICES INC (ORRF) is 8.98 and the Price/Book (PB) ratio is 1.28.


Can you provide the dividend sustainability for ORRF stock?

The dividend rating of ORRSTOWN FINL SERVICES INC (ORRF) is 7 / 10 and the dividend payout ratio is 25.53%.