ORRSTOWN FINL SERVICES INC (ORRF) Stock Fundamental Analysis
USA - NASDAQ:ORRF - US6873801053 - Common Stock
34.61 USD
+0.47 (+1.38%)
34.61 USD
0 (0%)
Overall ORRF gets a fundamental rating of 4 out of 10. We evaluated ORRF against 390 industry peers in the Banks industry. ORRF has a bad profitability rating. Also its financial health evaluation is rather negative. ORRF has a correct valuation and a medium growth rate.
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.
ORRF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ORRF has a Return On Assets (0.80%) which is comparable to the rest of the industry.
ORRF has a Return On Equity (7.89%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 7.89% | ||
| 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
1.3 Margins
ORRF's Profit Margin of 17.40% is on the low side compared to the rest of the industry. ORRF is outperformed by 70.26% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.4% | ||
| 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
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
Compared to 5 years ago, ORRF has more shares outstanding
The debt/assets ratio for ORRF is higher compared to a year ago.
2.2 Solvency
ORRF has a debt to FCF ratio of 2.12. This is a good value and a sign of high solvency as ORRF would need 2.12 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.12, ORRF perfoms like the industry average, outperforming 47.69% of the companies in the same industry.
A Debt/Equity ratio of 0.18 indicates that ORRF is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.18, ORRF perfoms like the industry average, outperforming 48.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ORRF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.09%, which is quite good.
Measured over the past years, ORRF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.25% on average per year.
Looking at the last year, ORRF shows a very strong growth in Revenue. The Revenue has grown by 52.41%.
The Revenue has been growing by 14.53% on average over the past years. This is quite good.
EPS 1Y (TTM)16.09%
EPS 3Y6.94%
EPS 5Y14.25%
EPS Q2Q%1.8%
Revenue 1Y (TTM)52.41%
Revenue growth 3Y18.36%
Revenue growth 5Y14.53%
Sales Q2Q%24.51%
3.2 Future
ORRF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.86% yearly.
The Revenue is expected to grow by 18.64% on average over the next years. This is quite good.
EPS Next Y16.65%
EPS Next 2Y9.99%
EPS Next 3Y7.86%
EPS Next 5YN/A
Revenue Next Year43.35%
Revenue Next 2Y18.64%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
A Price/Earnings ratio of 8.57 indicates a reasonable valuation of ORRF.
Based on the Price/Earnings ratio, ORRF is valued cheaply inside the industry as 88.97% of the companies are valued more expensively.
ORRF is valuated cheaply when we compare the Price/Earnings ratio to 26.89, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 7.90 indicates a rather cheap valuation of ORRF.
84.62% of the companies in the same industry are more expensive than ORRF, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of ORRF to the average of the S&P500 Index (22.99), we can say ORRF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.57 | ||
| Fwd PE | 7.9 |
4.2 Price Multiples
ORRF's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.44 | ||
| EV/EBITDA | N/A |
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)0.51
PEG (5Y)0.6
EPS Next 2Y9.99%
EPS Next 3Y7.86%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.12%, ORRF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.53, 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 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.12% |
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
5.3 Sustainability
43.96% of the earnings are spent on dividend by ORRF. This is a bit on the high side, but may be sustainable.
ORRF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP43.96%
EPS Next 2Y9.99%
EPS Next 3Y7.86%
34.61
+0.47 (+1.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.88%
Inst Owner Change1.64%
Ins Owners4.52%
Ins Owner Change-2.06%
Market Cap674.55M
Revenue(TTM)249.00M
Net Income(TTM)43.28M
Analysts83.64
Price Target40.8 (17.89%)
Short Float %2.1%
Short Ratio3.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.12% |
Yearly Dividend0.88
Dividend Growth(5Y)8.03%
DP43.96%
Div Incr Years9
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.09%
Min EPS beat(2)4.25%
Max EPS beat(2)5.92%
EPS beat(4)3
Avg EPS beat(4)2.78%
Min EPS beat(4)-16.93%
Max EPS beat(4)17.86%
EPS beat(8)6
Avg EPS beat(8)3.2%
EPS beat(12)10
Avg EPS beat(12)5.37%
EPS beat(16)12
Avg EPS beat(16)6.43%
Revenue beat(2)1
Avg Revenue beat(2)6.96%
Min Revenue beat(2)-2.95%
Max Revenue beat(2)16.87%
Revenue beat(4)2
Avg Revenue beat(4)3.05%
Min Revenue beat(4)-4.65%
Max Revenue beat(4)16.87%
Revenue beat(8)3
Avg Revenue beat(8)0.96%
Revenue beat(12)7
Avg Revenue beat(12)5.8%
Revenue beat(16)11
Avg Revenue beat(16)12.73%
PT rev (1m)0.5%
PT rev (3m)7.53%
EPS NQ rev (1m)-0.57%
EPS NQ rev (3m)3.56%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)2.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)13.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)12.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.57 | ||
| Fwd PE | 7.9 | ||
| P/S | 2.71 | ||
| P/FCF | 14.44 | ||
| P/OCF | 13.15 | ||
| P/B | 1.23 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.04
EY11.67%
EPS(NY)4.38
Fwd EY12.65%
FCF(TTM)2.4
FCFY6.92%
OCF(TTM)2.63
OCFY7.6%
SpS12.76
BVpS28.14
TBVpS22.37
PEG (NY)0.51
PEG (5Y)0.6
Graham Number50.58
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 7.89% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.4% | ||
| GM | N/A | ||
| FCFM | 18.78% |
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
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 3Y-26.06%
PM growth 5Y-7.91%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.12 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 29.7% | ||
| Cap/Sales | 1.84% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 107.9% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC15.23%
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)16.09%
EPS 3Y6.94%
EPS 5Y14.25%
EPS Q2Q%1.8%
EPS Next Y16.65%
EPS Next 2Y9.99%
EPS Next 3Y7.86%
EPS Next 5YN/A
Revenue 1Y (TTM)52.41%
Revenue growth 3Y18.36%
Revenue growth 5Y14.53%
Sales Q2Q%24.51%
Revenue Next Year43.35%
Revenue Next 2Y18.64%
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 1Y52.47%
FCF growth 3Y-5.51%
FCF growth 5Y40.12%
OCF growth 1Y57.53%
OCF growth 3Y-5.03%
OCF growth 5Y30.92%
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 of ORRSTOWN FINL SERVICES INC (ORRF) stock?
ChartMill assigns a valuation rating of 6 / 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 3 / 10.
What is the financial health of ORRSTOWN FINL SERVICES INC (ORRF) stock?
The financial health rating of ORRSTOWN FINL SERVICES INC (ORRF) is 2 / 10.
How sustainable is the dividend of ORRSTOWN FINL SERVICES INC (ORRF) stock?
The dividend rating of ORRSTOWN FINL SERVICES INC (ORRF) is 5 / 10 and the dividend payout ratio is 43.96%.