Orrstown Financial Services, Inc. (ORRF)

Accolade Statistics

Total Valuation

ORRF has a market cap or net worth of $629.25 million. The enterprise value is $727.97 million.

Market Cap	629.25M
Enterprise Value	727.97M

Important Dates

The last earnings date was Tuesday, July 22, 2025, after market close.

Earnings Date	Jul 22, 2025
Ex-Dividend Date	Aug 5, 2025

Share Statistics

ORRF has 19.54 million shares outstanding. The number of shares has increased by 84.65% in one year.

Current Share Class	19.54M
Shares Outstanding	19.54M
Shares Change (YoY)	+84.65%
Shares Change (QoQ)	+0.07%
Owned by Insiders (%)	4.91%
Owned by Institutions (%)	47.45%
Float	16.82M

Valuation Ratios

The trailing PE ratio is 14.67 and the forward PE ratio is 7.84.

PE Ratio	14.67
Forward PE	7.84
PS Ratio	2.69
Forward PS	2.92
PB Ratio	1.17
P/TBV Ratio	1.47
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	16.82
EV / Sales	3.11
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.47%.

Return on Equity (ROE)	10.47%
Return on Assets (ROA)	1.01%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$370,990
Profits Per Employee	$68,698
Employee Count	630
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ORRF has paid $11.43 million in taxes.

Income Tax	11.43M
Effective Tax Rate	20.88%

Stock Price Statistics

The stock price has decreased by -7.69% in the last 52 weeks. The beta is 0.83, so ORRF's price volatility has been lower than the market average.

Beta (5Y)	0.83
52-Week Price Change	-7.69%
50-Day Moving Average	31.92
200-Day Moving Average	33.69
Relative Strength Index (RSI)	47.51
Average Volume (20 Days)	191,503

Short Selling Information

The latest short interest is 350,821, so 1.80% of the outstanding shares have been sold short.

Short Interest	350,821
Short Previous Month	413,887
Short % of Shares Out	1.80%
Short % of Float	2.09%
Short Ratio (days to cover)	2.66

Income Statement

In the last 12 months, ORRF had revenue of $233.72 million and earned $43.28 million in profits. Earnings per share was $2.24.

Revenue	233.72M
Gross Profit	233.72M
Operating Income	92.68M
Pretax Income	41.83M
Net Income	43.28M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.24

Balance Sheet

The company has $149.38 million in cash and $235.40 million in debt, giving a net cash position of -$86.03 million or -$4.40 per share.

Cash & Cash Equivalents	149.38M
Total Debt	235.40M
Net Cash	-86.03M
Net Cash Per Share	-$4.40
Equity (Book Value)	548.45M
Book Value Per Share	28.07
Working Capital	-4.37B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	39.65%
Pretax Margin	23.41%
Profit Margin	18.52%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.08, which amounts to a dividend yield of 3.29%.

Dividend Per Share	$1.08
Dividend Yield	3.29%
Dividend Growth (YoY)	22.89%
Years of Dividend Growth	9
Payout Ratio	45.54%
Buyback Yield	-84.65%
Shareholder Yield	-81.37%
Earnings Yield	6.74%
FCF Yield	n/a

Analyst Forecast

The average price target for ORRF is $42.00, which is 30.39% higher than the current price. The consensus rating is "Buy".

Price Target	$42.00
Price Target Difference	30.39%
Analyst Consensus	Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 23, 2007. It was a forward split with a ratio of 1.05:1.

Last Split Date	May 23, 2007
Split Type	Forward
Split Ratio	1.05:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2