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ORRSTOWN FINL SERVICES INC (ORRF) Stock Fundamental Analysis

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

32.21  0 (0%)

Fundamental Rating

4

ORRF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. ORRF may be in some trouble as it scores bad on both profitability and health. ORRF is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


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.
ORRF had positive earnings in each of the past 5 years.
In the past 5 years ORRF always reported a positive cash flow from operatings.
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 has a Return On Assets of 0.58%. This is in the lower half of the industry: ORRF underperforms 70.66% of its industry peers.
ORRF has a worse Return On Equity (5.92%) than 70.15% of its industry peers.
Industry RankSector Rank
ROA 0.58%
ROE 5.92%
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

ORRF's Profit Margin of 14.38% is on the low side compared to the rest of the industry. ORRF is outperformed by 76.79% of its industry peers.
In the last couple of years the Profit Margin of ORRF has declined.
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) 14.38%
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.
ORRF has a worse debt/assets ratio than last year.
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

The Debt to FCF ratio of ORRF is 3.13, which is a good value as it means it would take ORRF, 3.13 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.13, ORRF is doing worse than 64.29% of the companies in the same industry.
ORRF has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of ORRF (0.17) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 3.13
Altman-Z N/A
ROIC/WACCN/A
WACC15.75%
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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3. Growth

3.1 Past

ORRF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.07%, which is quite impressive.
ORRF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.25% yearly.
ORRF shows a strong growth in Revenue. In the last year, the Revenue has grown by 47.59%.
Measured over the past years, ORRF shows a quite strong growth in Revenue. The Revenue has been growing by 14.53% on average per year.
EPS 1Y (TTM)24.07%
EPS 3Y6.94%
EPS 5Y14.25%
EPS Q2Q%25.3%
Revenue 1Y (TTM)47.59%
Revenue growth 3Y18.36%
Revenue growth 5Y14.53%
Sales Q2Q%126.18%

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.
The Revenue is expected to grow by 21.93% on average over the next years. This is a very strong growth
EPS Next Y13.44%
EPS Next 2Y8.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year35.97%
Revenue Next 2Y21.93%
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 accelerating.
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

ORRF is valuated reasonably with a Price/Earnings ratio of 8.01.
Based on the Price/Earnings ratio, ORRF is valued cheaper than 92.09% of the companies in the same industry.
ORRF is valuated cheaply when we compare the Price/Earnings ratio to 26.82, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.57, the valuation of ORRF can be described as very cheap.
Based on the Price/Forward Earnings ratio, ORRF is valued cheaply inside the industry as 82.65% of the companies are valued more expensively.
ORRF is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.21, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.01
Fwd PE 7.57
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ORRF indicates a slightly more expensive valuation: ORRF is more expensive than 74.49% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 21.4
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

ORRF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.6
PEG (5Y)0.56
EPS Next 2Y8.39%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.29%, ORRF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.50, ORRF has a dividend in line with its industry peers.
ORRF's Dividend Yield is a higher than the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 3.29%

5.2 History

On average, the dividend of ORRF grows each year by 8.03%, 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 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
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 50.99% of its income as dividend. This is a bit on the high side, but may be sustainable.
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.
DP50.99%
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 (8/4/2025, 9:37:30 AM)

32.21

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners57.36%
Inst Owner Change-0.07%
Ins Owners4.71%
Ins Owner Change6.98%
Market Cap629.38M
Analysts83.64
Price Target37.94 (17.79%)
Short Float %1.91%
Short Ratio2.24
Dividend
Industry RankSector Rank
Dividend Yield 3.29%
Yearly Dividend0.88
Dividend Growth(5Y)8.03%
DP50.99%
Div Incr Years9
Div Non Decr Years9
Ex-Date08-05 2025-08-05 (0.27)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5.5%
Min EPS beat(2)-16.93%
Max EPS beat(2)5.92%
EPS beat(4)3
Avg EPS beat(4)4.43%
Min EPS beat(4)-16.93%
Max EPS beat(4)17.86%
EPS beat(8)6
Avg EPS beat(8)4.84%
EPS beat(12)10
Avg EPS beat(12)7.1%
EPS beat(16)12
Avg EPS beat(16)6.55%
Revenue beat(2)0
Avg Revenue beat(2)-3.8%
Min Revenue beat(2)-4.65%
Max Revenue beat(2)-2.95%
Revenue beat(4)1
Avg Revenue beat(4)-1.61%
Min Revenue beat(4)-4.65%
Max Revenue beat(4)2.95%
Revenue beat(8)3
Avg Revenue beat(8)-1.11%
Revenue beat(12)7
Avg Revenue beat(12)7.7%
Revenue beat(16)11
Avg Revenue beat(16)13.45%
PT rev (1m)1.09%
PT rev (3m)1.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.82%
EPS NY rev (1m)0%
EPS NY rev (3m)1.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.44%
Revenue NY rev (1m)1.28%
Revenue NY rev (3m)5.32%
Valuation
Industry RankSector Rank
PE 8.01
Fwd PE 7.57
P/S 2.87
P/FCF 21.4
P/OCF 18.93
P/B 1.18
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)4.02
EY12.48%
EPS(NY)4.25
Fwd EY13.2%
FCF(TTM)1.51
FCFY4.67%
OCF(TTM)1.7
OCFY5.28%
SpS11.24
BVpS27.27
TBVpS21.47
PEG (NY)0.6
PEG (5Y)0.56
Profitability
Industry RankSector Rank
ROA 0.58%
ROE 5.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.38%
GM N/A
FCFM 13.39%
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 0.17
Debt/FCF 3.13
Debt/EBITDA N/A
Cap/Depr 29.81%
Cap/Sales 1.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 93.15%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.75%
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)24.07%
EPS 3Y6.94%
EPS 5Y14.25%
EPS Q2Q%25.3%
EPS Next Y13.44%
EPS Next 2Y8.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)47.59%
Revenue growth 3Y18.36%
Revenue growth 5Y14.53%
Sales Q2Q%126.18%
Revenue Next Year35.97%
Revenue Next 2Y21.93%
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-13.65%
FCF growth 3Y-5.51%
FCF growth 5Y40.12%
OCF growth 1Y-4.93%
OCF growth 3Y-5.03%
OCF growth 5Y30.92%