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Orrstown Financial Services, Inc. ORRF

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Price alert · ORRF

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45.27 USD +1.35 +3.07%

At close · Nov 2

45.27 0.00 0.00%

After hours · Nov 2, 4:00 PM ET

Bid
45.25 × 2
Ask
45.33 × 2
44.26 Day range 45.41
32.50 52-week range 45.41
YTD
+27.81%
1 year
+36.03%
Open
44.26
Prev close
43.92
Mkt cap
890.44M
Vol
90.53K
Avg vol
94.41K
EPS
4.49
P/E
10.08
Div yield
2.50%
More statistics
Low
44.26
High
45.41
Forward P/E
8.41
Beta
0.89
Short ratio
1.10
Inst. own
56.27%
Dividend
0.92
Ex-div date
Nov 4, 2024
Earnings
Jan 28, 2025
50-d avg
38.67
200-d avg
31.80
1y target
44.67

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Financial health

Altman Z-Score

-0.54 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 8.4×
FY 2016: 27.3×FY 2017: 25.3×FY 2018: 11.9×FY 2019: 13.9×FY 2020: 6.8×FY 2021: 8.4×FY 2022: 11.1×FY 2023: 8.6×FY 2024: 24.6×FY 2025: 8.4×
FY 2016 5y median 8.6× FY 2025
P/S 1.7×
FY 2016: 3.0×FY 2017: 2.9×FY 2018: 1.8×FY 2019: 1.9×FY 2020: 1.4×FY 2021: 2.3×FY 2022: 1.8×FY 2023: 1.8×FY 2024: 1.9×FY 2025: 1.7×
FY 2016 5y median 1.8× FY 2025
P/B 1.0×
FY 2016: 1.3×FY 2017: 1.4×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 0.7×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 1.2×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 8.4×
FY 2016: 81.6×FY 2017: 14.9×FY 2018: 8.6×FY 2019: 37.9×FY 2020: 6.3×FY 2021: 7.0×FY 2022: 6.9×FY 2023: 7.4×FY 2024: 16.2×FY 2025: 8.4×
FY 2016 5y median 7.4× FY 2025
EV/EBITDA 7.5×
FY 2016: 24.2×FY 2017: 22.4×FY 2018: 14.4×FY 2019: 23.2×FY 2020: 4.2×FY 2021: 2.7×FY 2022: 10.9×FY 2023: 8.5×FY 2024: 13.4×FY 2025: 7.5×
FY 2016 5y median 8.5× FY 2025
EV/Sales 2.5×
FY 2016: 4.3×FY 2017: 5.0×FY 2018: 3.0×FY 2019: 4.8×FY 2020: 1.3×FY 2021: 1.0×FY 2022: 2.5×FY 2023: 2.4×FY 2024: 1.8×FY 2025: 2.5×
FY 2016 5y median 2.4× FY 2025
FCF Yield 12.0%
FY 2016: 1.2%FY 2017: 6.7%FY 2018: 11.6%FY 2019: 2.6%FY 2020: 15.9%FY 2021: 14.3%FY 2022: 14.4%FY 2023: 13.6%FY 2024: 6.2%FY 2025: 12.0%
FY 2016 5y median 13.6% FY 2025

Profitability

Gross Margin 70.6%
FY 2016: 90.7%FY 2017: 87.8%FY 2018: 83.3%FY 2019: 79.6%FY 2020: 83.2%FY 2021: 93.6%FY 2022: 90.2%FY 2023: 73.2%FY 2024: 61.2%FY 2025: 70.6%
FY 2016 5y median 73.2% FY 2025
Operating Margin 29.0%
FY 2016: 13.0%FY 2017: 17.6%FY 2018: 16.8%FY 2019: 16.3%FY 2020: 25.6%FY 2021: 33.6%FY 2022: 19.8%FY 2023: 25.8%FY 2024: 9.8%FY 2025: 29.0%
FY 2016 5y median 25.8% FY 2025
Net Margin 22.8%
FY 2016: 10.9%FY 2017: 11.5%FY 2018: 14.9%FY 2019: 14.0%FY 2020: 20.9%FY 2021: 27.0%FY 2022: 16.4%FY 2023: 20.5%FY 2024: 7.8%FY 2025: 22.8%
FY 2016 5y median 20.5% FY 2025
ROE 13.7%
FY 2016: 4.9%FY 2017: 5.6%FY 2018: 7.4%FY 2019: 7.6%FY 2020: 10.7%FY 2021: 12.1%FY 2022: 9.6%FY 2023: 13.5%FY 2024: 4.3%FY 2025: 13.7%
FY 2016 5y median 12.1% FY 2025
ROIC 23.9%
FY 2016: 2.7%FY 2017: 2.5%FY 2018: 3.6%FY 2019: 3.3%FY 2020: 6.7%FY 2021: 8.9%FY 2022: 4.9%FY 2023: 7.1%FY 2024: 2.7%FY 2025: 23.9%
FY 2016 5y median 7.1% FY 2025
ROA 1.5%
FY 2016: 0.5%FY 2017: 0.5%FY 2018: 0.7%FY 2019: 0.7%FY 2020: 1.0%FY 2021: 1.2%FY 2022: 0.8%FY 2023: 1.2%FY 2024: 0.4%FY 2025: 1.5%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 24.6%
FY 2016: 6.9%FY 2017: 15.9%FY 2018: 21.6%FY 2019: 40.3%FY 2020: 5.3%FY 2021: -4.1%FY 2022: 10.4%FY 2023: 29.8%FY 2024: 63.0%FY 2025: 24.6%
FY 2016 FY 2025
Operating Income 269.4%
FY 2016: -17.0%FY 2017: 57.4%FY 2018: 16.2%FY 2019: 35.9%FY 2020: 65.6%FY 2021: 25.8%FY 2022: -34.9%FY 2023: 69.2%FY 2024: -38.3%FY 2025: 269.4%
FY 2016 FY 2025
EPS (diluted) 182.4%
FY 2016: -16.5%FY 2017: 21.0%FY 2018: 53.1%FY 2019: 7.3%FY 2020: 49.1%FY 2021: 23.3%FY 2022: -30.4%FY 2023: 66.0%FY 2024: -56.7%FY 2025: 182.4%
FY 2016 FY 2025
Free Cash Flow 111.2%
FY 2016: -79.2%FY 2017: 517.5%FY 2018: 29.2%FY 2019: -65.1%FY 2020: 367.2%FY 2021: 37.0%FY 2022: -10.8%FY 2023: 17.3%FY 2024: -19.4%FY 2025: 111.2%
FY 2016 FY 2025

Financial Health

Current Ratio 1.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 1.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 1.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 1.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.6×
FY 2016: 0.8×FY 2017: 1.2×FY 2018: 1.0×FY 2019: 1.8×FY 2020: 0.4×FY 2021: 0.2×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA 2.5×
FY 2016: 7.5×FY 2017: 9.4×FY 2018: 5.9×FY 2019: 13.8×FY 2020: -0.4×FY 2021: -3.3×FY 2022: 3.0×FY 2023: 2.3×FY 2024: -1.0×FY 2025: 2.5×
FY 2016 5y median 2.3× FY 2025
Interest Coverage 1.0×
FY 2016: 1.5×FY 2017: 1.6×FY 2018: 1.1×FY 2019: 0.8×FY 2020: 2.0×FY 2021: 6.1×FY 2022: 2.9×FY 2023: 1.0×FY 2024: 0.3×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 1.6%FY 2017: 1.7%FY 2018: 2.9%FY 2019: 2.6%FY 2020: 4.2%FY 2021: 3.0%FY 2022: 3.4%FY 2023: 2.8%FY 2024: 2.4%FY 2025: 3.5%
FY 2016 5y median 3.0% FY 2025
Payout Ratio 25.5%
FY 2016: 43.7%FY 2017: 43.1%FY 2018: 34.2%FY 2019: 36.3%FY 2020: 28.8%FY 2021: 25.2%FY 2022: 37.5%FY 2023: 23.8%FY 2024: 59.8%FY 2025: 25.5%
FY 2016 5y median 25.5% FY 2025

Annual · latest fiscal year ends 2025-12-31