Orrstown Financial Services, Inc. (ORRF)

ORRF Statistics

Total Valuation

ORRF has a market cap or net worth of $581.35 million. The enterprise value is $500.74 million.

Market Cap	581.35M
Enterprise Value	500.74M

Important Dates

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

Earnings Date	Jul 22, 2025
Ex-Dividend Date	May 6, 2025

Share Statistics

ORRF has 19.51 million shares outstanding. The number of shares has increased by 64.17% in one year.

Current Share Class	19.51M
Shares Outstanding	19.51M
Shares Change (YoY)	+64.17%
Shares Change (QoQ)	+0.15%
Owned by Insiders (%)	5.12%
Owned by Institutions (%)	47.87%
Float	16.75M

Valuation Ratios

The trailing PE ratio is 16.17 and the forward PE ratio is 7.41.

PE Ratio	16.17
Forward PE	7.41
PS Ratio	2.48
Forward PS	2.61
PB Ratio	1.09
P/TBV Ratio	1.39
P/FCF Ratio	19.77
P/OCF Ratio	17.49
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.86
EV / Sales	2.46
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	17.03

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	7.47
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.85%.

Return on Equity (ROE)	7.85%
Return on Assets (ROA)	0.73%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$323,602
Profits Per Employee	$50,111
Employee Count	630
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ORRF has paid $8.26 million in taxes.

Income Tax	8.26M
Effective Tax Rate	20.73%

Stock Price Statistics

The stock price has increased by +12.06% in the last 52 weeks. The beta is 0.76, so ORRF's price volatility has been lower than the market average.

Beta (5Y)	0.76
52-Week Price Change	+12.06%
50-Day Moving Average	29.32
200-Day Moving Average	34.26
Relative Strength Index (RSI)	48.07
Average Volume (20 Days)	101,641

Short Selling Information

The latest short interest is 414,673, so 2.13% of the outstanding shares have been sold short.

Short Interest	414,673
Short Previous Month	406,355
Short % of Shares Out	2.13%
Short % of Float	2.48%
Short Ratio (days to cover)	2.12

Income Statement

In the last 12 months, ORRF had revenue of $203.87 million and earned $31.57 million in profits. Earnings per share was $1.84.

Revenue	203.87M
Gross Profit	203.87M
Operating Income	75.45M
Pretax Income	41.83M
Net Income	31.57M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.84

Balance Sheet

The company has $300.43 million in cash and $219.81 million in debt, giving a net cash position of $80.61 million or $4.13 per share.

Cash & Cash Equivalents	300.43M
Total Debt	219.81M
Net Cash	80.61M
Net Cash Per Share	$4.13
Equity (Book Value)	532.94M
Book Value Per Share	27.32
Working Capital	-4.35B

Cash Flow

In the last 12 months, operating cash flow was $33.24 million and capital expenditures -$3.83 million, giving a free cash flow of $29.41 million.

Operating Cash Flow	33.24M
Capital Expenditures	-3.83M
Free Cash Flow	29.41M
FCF Per Share	$1.51

Margins

Gross Margin	n/a
Operating Margin	37.01%
Pretax Margin	19.53%
Profit Margin	15.49%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	14.42%

Dividends & Yields

This stock pays an annual dividend of $1.04, which amounts to a dividend yield of 3.44%.

Dividend Per Share	$1.04
Dividend Yield	3.44%
Dividend Growth (YoY)	22.50%
Years of Dividend Growth	10
Payout Ratio	56.44%
Buyback Yield	-64.17%
Shareholder Yield	-60.73%
Earnings Yield	5.43%
FCF Yield	5.06%

Analyst Forecast

The average price target for ORRF is $34.50, which is 15.68% higher than the current price. The consensus rating is "Buy".

Price Target	$34.50
Price Target Difference	15.68%
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