35.18 USD
-0.07 (-0.2%)
ORRF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 387 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 correct valuation and a medium growth rate.
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.
ORRF had positive earnings in each of the past 5 years.
Each year in the past 5 years ORRF had a positive operating cash flow.
1.2 Ratios
ORRF has a Return On Assets of 1.34%. This is amongst the best in the industry. ORRF outperforms 83.72% of its industry peers.
ORRF has a better Return On Equity (12.77%) than 85.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 12.77% | ||
| 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 29.34% is fine compared to the rest of the industry. ORRF outperforms 77.52% 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) | 29.34% | ||
| 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 1.12. This is a very positive value and a sign of high solvency as it would only need 1.12 years to pay back of all of its debts.
ORRF has a Debt to FCF ratio of 1.12. This is in the better half of the industry: ORRF outperforms 63.05% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that ORRF is not too dependend on debt financing.
The Debt to Equity ratio of ORRF (0.12) is better than 62.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.17%
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 16.09% 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 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%.
ORRF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.53% yearly.
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%-1.37%
3.2 Future
The Earnings Per Share is expected to grow by 7.97% on average over the next years.
ORRF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.73% yearly.
EPS Next Y18.72%
EPS Next 2Y9.43%
EPS Next 3Y7.97%
EPS Next 5YN/A
Revenue Next Year39.05%
Revenue Next 2Y19.19%
Revenue Next 3Y13.73%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
ORRF is valuated reasonably with a Price/Earnings ratio of 8.71.
Compared to the rest of the industry, the Price/Earnings ratio of ORRF indicates a rather cheap valuation: ORRF is cheaper than 87.60% of the companies listed in the same industry.
ORRF is valuated cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.12, the valuation of ORRF can be described as reasonable.
Based on the Price/Forward Earnings ratio, ORRF is valued cheaply inside the industry as 81.14% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.42, ORRF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.71 | ||
| Fwd PE | 8.12 |
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 | 11.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.47
PEG (5Y)0.61
EPS Next 2Y9.43%
EPS Next 3Y7.97%
5. Dividend
5.1 Amount
ORRF has a Yearly Dividend Yield of 3.20%.
ORRF's Dividend Yield is comparable with the industry average which is at 3.33.
Compared to an average S&P500 Dividend Yield of 2.41, ORRF pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.2% |
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.
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
ORRF pays out 27.15% of its income as dividend. This is a 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 2Y9.43%
EPS Next 3Y7.97%
NASDAQ:ORRF (11/24/2025, 2:00:44 PM)
35.18
-0.07 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.88%
Inst Owner Change1.26%
Ins Owners4.52%
Ins Owner Change-4.85%
Market Cap685.66M
Revenue(TTM)249.00M
Net Income(TTM)73.05M
Analysts83.64
Price Target41.82 (18.87%)
Short Float %1.78%
Short Ratio2.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.2% |
Yearly Dividend0.88
Dividend Growth(5Y)8.03%
DP27.15%
Div Incr Years9
Div Non Decr Years9
Ex-Date
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)2.5%
PT rev (3m)3.02%
EPS NQ rev (1m)-0.29%
EPS NQ rev (3m)-1.42%
EPS NY rev (1m)1.77%
EPS NY rev (3m)1.34%
Revenue NQ rev (1m)-3.31%
Revenue NQ rev (3m)1.69%
Revenue NY rev (1m)-3%
Revenue NY rev (3m)2.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.71 | ||
| Fwd PE | 8.12 | ||
| P/S | 2.75 | ||
| P/FCF | 11.08 | ||
| P/OCF | 10.29 | ||
| P/B | 1.2 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.04
EY11.48%
EPS(NY)4.34
Fwd EY12.32%
FCF(TTM)3.17
FCFY9.02%
OCF(TTM)3.42
OCFY9.71%
SpS12.78
BVpS29.35
TBVpS23.7
PEG (NY)0.47
PEG (5Y)0.61
Graham Number51.65
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)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-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
WACC15.17%
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 Y18.72%
EPS Next 2Y9.43%
EPS Next 3Y7.97%
EPS Next 5YN/A
Revenue 1Y (TTM)52.41%
Revenue growth 3Y18.36%
Revenue growth 5Y14.53%
Sales Q2Q%-1.37%
Revenue Next Year39.05%
Revenue Next 2Y19.19%
Revenue Next 3Y13.73%
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 1Y132.81%
FCF growth 3Y-5.51%
FCF growth 5Y40.12%
OCF growth 1Y134.2%
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 5 / 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 4 / 10.
What is the financial health of ORRSTOWN FINL SERVICES INC (ORRF) stock?
The financial health rating of ORRSTOWN FINL SERVICES INC (ORRF) is 3 / 10.
How sustainable is the dividend of ORRSTOWN FINL SERVICES INC (ORRF) stock?
The dividend rating of ORRSTOWN FINL SERVICES INC (ORRF) is 6 / 10 and the dividend payout ratio is 27.15%.