ORRSTOWN FINL SERVICES INC (ORRF) Stock Fundamental Analysis
NASDAQ:ORRF • US6873801053
37.62 USD
-0.12 (-0.32%)
At close: Feb 18, 2026
37.62 USD
0 (0%)
After Hours: 2/18/2026, 8:00:02 PM
ORRF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 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 decent growth rate and is not valued too expensively. Finally ORRF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- ORRF had positive earnings in the past year.
- ORRF had a positive operating cash flow in the past year.
- Each year in the past 5 years ORRF has been profitable.
- Of the past 5 years ORRF 4 years had a positive operating cash flow.
1.2 Ratios
- ORRF has a better Return On Assets (1.34%) than 82.94% of its industry peers.
- The Return On Equity of ORRF (12.77%) is better than 85.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 12.77% | ||
| 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
1.3 Margins
- ORRF's Profit Margin of 29.34% is fine compared to the rest of the industry. ORRF outperforms 75.33% of its industry peers.
- In the last couple of years the Profit Margin of ORRF has grown nicely.
- 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 3Y22.59%
PM growth 5Y6.25%
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
- ORRF has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, ORRF has an improved debt to assets ratio.
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.
- Looking at the Debt to FCF ratio, with a value of 1.12, ORRF is in the better half of the industry, outperforming 62.73% of the companies in the same industry.
- ORRF has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.12, ORRF is in the better half of the industry, outperforming 62.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.83%
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 18.23% over the past year.
- Measured over the past years, ORRF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.55% on average per year.
- ORRF shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.84%.
- The Revenue has been growing by 17.64% on average over the past years. This is quite good.
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
- Based on estimates for the next years, ORRF will show a small growth in Earnings Per Share. The EPS will grow by 1.73% on average per year.
- The Revenue is expected to grow by 4.60% on average over the next years.
EPS Next Y0.33%
EPS Next 2Y1.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.71%
Revenue Next 2Y4.6%
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.
4. Valuation
4.1 Price/Earnings Ratio
- ORRF is valuated reasonably with a Price/Earnings ratio of 8.79.
- Based on the Price/Earnings ratio, ORRF is valued cheaper than 91.60% of the companies in the same industry.
- ORRF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.27.
- With a Price/Forward Earnings ratio of 8.76, 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 86.35% of the companies in the same industry.
- ORRF is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.16, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.79 | ||
| Fwd PE | 8.76 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as ORRF.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.86 | ||
| EV/EBITDA | N/A |
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)26.49
PEG (5Y)0.7
EPS Next 2Y1.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- ORRF has a Yearly Dividend Yield of 3.21%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.78, ORRF pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.85, ORRF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.21% |
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.
- 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
5.3 Sustainability
- 27.15% of the earnings are spent on dividend by ORRF. This is a low number and sustainable payout ratio.
- The dividend of ORRF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27.15%
EPS Next 2Y1.73%
EPS Next 3YN/A
37.62
-0.12 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2026-01-27/amc
Earnings (Next)04-20 2026-04-20
Inst Owners59.73%
Inst Owner Change-0.71%
Ins Owners4.52%
Ins Owner Change1.24%
Market Cap733.97M
Revenue(TTM)252.10M
Net Income(TTM)73.05M
Analysts82
Price Target41.82 (11.16%)
Short Float %1.67%
Short Ratio1.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.21% |
Yearly Dividend0.88
Dividend Growth(5Y)8.03%
DP27.15%
Div Incr Years9
Div Non Decr Years9
Ex-Date02-10 2026-02-10 (0.3)
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.63%
EPS NY rev (1m)-2.41%
EPS NY rev (3m)-0.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)3.46%
Revenue NY rev (3m)3.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.79 | ||
| Fwd PE | 8.76 | ||
| P/S | 2.95 | ||
| P/FCF | 11.86 | ||
| P/OCF | 11.02 | ||
| P/B | 1.28 | ||
| P/tB | 1.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.28
EY11.38%
EPS(NY)4.29
Fwd EY11.41%
FCF(TTM)3.17
FCFY8.43%
OCF(TTM)3.41
OCFY9.07%
SpS12.76
BVpS29.32
TBVpS23.67
PEG (NY)26.49
PEG (5Y)0.7
Graham Number53.13
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)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 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
WACC14.83%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.23%
EPS 3Y9.61%
EPS 5Y12.55%
EPS Q2Q%27.59%
EPS Next Y0.33%
EPS Next 2Y1.73%
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 Year5.71%
Revenue Next 2Y4.6%
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 1Y57.4%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y65.29%
OCF growth 3YN/A
OCF growth 5YN/A
ORRSTOWN FINL SERVICES INC / ORRF FAQ
What is the fundamental rating for ORRF stock?
ChartMill assigns a fundamental rating of 4 / 10 to ORRF.
What is the valuation status for ORRF stock?
ChartMill assigns a valuation rating of 5 / 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.
Can you provide the PE and PB ratios for ORRF stock?
The Price/Earnings (PE) ratio for ORRSTOWN FINL SERVICES INC (ORRF) is 8.79 and the Price/Book (PB) ratio is 1.28.
What is the earnings growth outlook for ORRSTOWN FINL SERVICES INC?
The Earnings per Share (EPS) of ORRSTOWN FINL SERVICES INC (ORRF) is expected to grow by 0.33% in the next year.