Orrstown Financial Services, Inc. (ORRF)

ORRF Statistics

Total Valuation

ORRF has a market cap or net worth of $523.53 million. The enterprise value is $497.93 million.

Market Cap	523.53M
Enterprise Value	497.93M

Important Dates

The next estimated earnings date is Tuesday, April 22, 2025, after market close.

Earnings Date	Apr 22, 2025
Ex-Dividend Date	Feb 14, 2025

Share Statistics

ORRF has 19.51 million shares outstanding. The number of shares has increased by 42.92% in one year.

Current Share Class	19.51M
Shares Outstanding	19.51M
Shares Change (YoY)	+42.92%
Shares Change (QoQ)	+0.38%
Owned by Insiders (%)	4.99%
Owned by Institutions (%)	48.00%
Float	16.98M

Valuation Ratios

The trailing PE ratio is 18.14 and the forward PE ratio is 6.76.

PE Ratio	18.14
Forward PE	6.76
PS Ratio	2.25
Forward PS	2.37
PB Ratio	1.01
P/TBV Ratio	1.31
P/FCF Ratio	15.69
P/OCF Ratio	14.98
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	22.58
EV / Sales	2.83
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	14.92

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	7.09
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.64%.

Return on Equity (ROE)	5.64%
Return on Assets (ROA)	0.52%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$279,592
Profits Per Employee	$35,000
Employee Count	630
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ORRF has paid $5.76 million in taxes.

Income Tax	5.76M
Effective Tax Rate	20.70%

Stock Price Statistics

The stock price has increased by +7.27% in the last 52 weeks. The beta is 0.77, so ORRF's price volatility has been lower than the market average.

Beta (5Y)	0.77
52-Week Price Change	+7.27%
50-Day Moving Average	31.17
200-Day Moving Average	34.44
Relative Strength Index (RSI)	31.34
Average Volume (20 Days)	164,335

Short Selling Information

The latest short interest is 337,499, so 1.73% of the outstanding shares have been sold short.

Short Interest	337,499
Short Previous Month	170,592
Short % of Shares Out	1.73%
Short % of Float	1.99%
Short Ratio (days to cover)	2.21

Income Statement

In the last 12 months, ORRF had revenue of $176.14 million and earned $22.05 million in profits. Earnings per share was $1.48.

Revenue	176.14M
Gross Profit	176.14M
Operating Income	59.67M
Pretax Income	41.83M
Net Income	22.05M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.48

Balance Sheet

The company has $262.35 million in cash and $236.75 million in debt, giving a net cash position of $25.60 million or $1.31 per share.

Cash & Cash Equivalents	262.35M
Total Debt	236.75M
Net Cash	25.60M
Net Cash Per Share	$1.31
Equity (Book Value)	516.68M
Book Value Per Share	26.65
Working Capital	-4.46B

Cash Flow

In the last 12 months, operating cash flow was $34.96 million and capital expenditures -$1.58 million, giving a free cash flow of $33.38 million.

Operating Cash Flow	34.96M
Capital Expenditures	-1.58M
Free Cash Flow	33.38M
FCF Per Share	$1.71

Margins

Gross Margin	n/a
Operating Margin	33.88%
Pretax Margin	15.79%
Profit Margin	12.52%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	18.95%

Dividends & Yields

This stock pays an annual dividend of $0.92, which amounts to a dividend yield of 3.43%.

Dividend Per Share	$0.92
Dividend Yield	3.43%
Dividend Growth (YoY)	15.00%
Years of Dividend Growth	10
Payout Ratio	62.16%
Buyback Yield	-42.92%
Shareholder Yield	-39.43%
Earnings Yield	4.21%
FCF Yield	6.38%

Analyst Forecast

The average price target for ORRF is $37.00, which is 37.85% higher than the current price. The consensus rating is "Buy".

Price Target	$37.00
Price Target Difference	37.85%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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	4