Orrstown Financial Services, Inc. (ORRF)

ORRF Statistics

Total Valuation

ORRF has a market cap or net worth of $658.08 million. The enterprise value is $768.22 million.

Market Cap	658.08M
Enterprise Value	768.22M

Important Dates

The last earnings date was Tuesday, October 21, 2025, after market close.

Earnings Date	Oct 21, 2025
Ex-Dividend Date	Nov 5, 2025

Share Statistics

ORRF has 19.50 million shares outstanding. The number of shares has increased by 52.47% in one year.

Current Share Class	19.50M
Shares Outstanding	19.50M
Shares Change (YoY)	+52.47%
Shares Change (QoQ)	+0.11%
Owned by Insiders (%)	4.92%
Owned by Institutions (%)	52.19%
Float	17.28M

Valuation Ratios

The trailing PE ratio is 8.93 and the forward PE ratio is 7.91.

PE Ratio	8.93
Forward PE	7.91
PS Ratio	2.62
Forward PS	2.93
PB Ratio	1.15
P/TBV Ratio	1.42
P/FCF Ratio	n/a
P/OCF Ratio	9.88
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.52
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 13.43%.

Return on Equity (ROE)	13.43%
Return on Assets (ROA)	1.34%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$392,533
Profits Per Employee	$115,949
Employee Count	630
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ORRF has paid $19.23 million in taxes.

Income Tax	19.23M
Effective Tax Rate	20.84%

Stock Price Statistics

The stock price has decreased by -17.74% in the last 52 weeks. The beta is 0.81, so ORRF's price volatility has been lower than the market average.

Beta (5Y)	0.81
52-Week Price Change	-17.74%
50-Day Moving Average	34.15
200-Day Moving Average	32.30
Relative Strength Index (RSI)	50.15
Average Volume (20 Days)	146,240

Short Selling Information

The latest short interest is 388,013, so 1.99% of the outstanding shares have been sold short.

Short Interest	388,013
Short Previous Month	361,124
Short % of Shares Out	1.99%
Short % of Float	2.25%
Short Ratio (days to cover)	3.84

Income Statement

In the last 12 months, ORRF had revenue of $247.30 million and earned $73.05 million in profits. Earnings per share was $3.78.

Revenue	247.30M
Gross Profit	247.30M
Operating Income	112.75M
Pretax Income	92.28M
Net Income	73.05M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.78

Balance Sheet

The company has $199.47 million in cash and $309.61 million in debt, giving a net cash position of -$110.14 million or -$5.65 per share.

Cash & Cash Equivalents	199.47M
Total Debt	309.61M
Net Cash	-110.14M
Net Cash Per Share	-$5.65
Equity (Book Value)	571.94M
Book Value Per Share	29.33
Working Capital	-4.36B

Cash Flow

Operating Cash Flow	66.61M
Capital Expenditures	-4.73M
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	45.59%
Pretax Margin	37.32%
Profit Margin	29.54%
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 3.20%.

Dividend Per Share	$1.08
Dividend Yield	3.20%
Dividend Growth (YoY)	23.26%
Years of Dividend Growth	9
Payout Ratio	28.04%
Buyback Yield	-52.47%
Shareholder Yield	-49.27%
Earnings Yield	11.10%
FCF Yield	n/a

Analyst Forecast

The average price target for ORRF is $42.00, which is 24.44% higher than the current price. The consensus rating is "Buy".

Price Target	$42.00
Price Target Difference	24.44%
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	3