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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.94
ORRF's Cash to Debt is ranked lower than
63% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.11 vs. ORRF: 0.94 )
Ranked among companies with meaningful Cash to Debt only.
ORRF' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.33 Max: N/A
Current: 0.94
Equity to Asset 0.11
ORRF's Equity to Asset is ranked higher than
58% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ORRF: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
ORRF' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.12
Current: 0.11
0.07
0.12
Interest Coverage 1.71
ORRF's Interest Coverage is ranked higher than
50% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. ORRF: 1.71 )
Ranked among companies with meaningful Interest Coverage only.
ORRF' s Interest Coverage Range Over the Past 10 Years
Min: 0.77  Med: 1.44 Max: 3.13
Current: 1.71
0.77
3.13
F-Score: 5
M-Score: -2.35
WACC vs ROIC
4.56%
3.83%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 15.94
ORRF's Operating margin (%) is ranked lower than
81% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.80 vs. ORRF: 15.94 )
Ranked among companies with meaningful Operating margin (%) only.
ORRF' s Operating margin (%) Range Over the Past 10 Years
Min: -56.18  Med: 28.36 Max: 42.81
Current: 15.94
-56.18
42.81
Net-margin (%) 13.24
ORRF's Net-margin (%) is ranked lower than
77% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.22 vs. ORRF: 13.24 )
Ranked among companies with meaningful Net-margin (%) only.
ORRF' s Net-margin (%) Range Over the Past 10 Years
Min: -62.88  Med: 24.39 Max: 55.11
Current: 13.24
-62.88
55.11
ROE (%) 5.29
ORRF's ROE (%) is ranked lower than
72% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. ORRF: 5.29 )
Ranked among companies with meaningful ROE (%) only.
ORRF' s ROE (%) Range Over the Past 10 Years
Min: -35.62  Med: 12.35 Max: 26.65
Current: 5.29
-35.62
26.65
ROA (%) 0.56
ORRF's ROA (%) is ranked lower than
69% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. ORRF: 0.56 )
Ranked among companies with meaningful ROA (%) only.
ORRF' s ROA (%) Range Over the Past 10 Years
Min: -2.87  Med: 1.21 Max: 2.46
Current: 0.56
-2.87
2.46
Revenue Growth (3Y)(%) -4.60
ORRF's Revenue Growth (3Y)(%) is ranked lower than
81% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. ORRF: -4.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ORRF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.8  Med: 12.2 Max: 110.3
Current: -4.6
-11.8
110.3
» ORRF's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-21)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q3 2015

ORRF Guru Trades in Q3 2015

Jim Simons 114,200 sh (+11.20%)
» More
Q4 2015

ORRF Guru Trades in Q4 2015

Jim Simons 123,500 sh (+8.14%)
» More
Q1 2016

ORRF Guru Trades in Q1 2016

Jim Simons 129,700 sh (+5.02%)
» More
Q2 2016

ORRF Guru Trades in Q2 2016

Jim Simons 149,300 sh (+15.11%)
» More
» Details

Insider Trades

Latest Guru Trades with ORRF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:BYLK, NAS:PFBI, OTCBB:CZFS, NAS:CVLY, NAS:PMBC, OTCPK:JMSB, NAS:CUBN, NAS:ACNB, NAS:BWFG, NAS:SFST, NAS:CVCY, NAS:NRIM, NAS:FCFP, OTCPK:CSHX, NAS:FRBK, NAS:SONA, NAS:LCNB, NAS:UNB, OTCPK:EXSR, NAS:PVBC » details
Orrstown Financial Services Inc through its subsidiary is engaged in lending services for commercial loans, residential loans, commercial mortgages and various forms of consumer lending.

Orrstown Financial Services Inc a Pennsylvania corporation is the holding company for Orrstown Bank or the Bank. The Company was organized on November 17, 1987, for the purpose of acquiring the Bank and such other banks and bank related activities. The Bank provides banking and bank related services through 22 offices, located in South Central Pennsylvania, mainly in Cumberland, Franklin, Lancaster and Perry Counties and in Washington County, Maryland. The Company's main activity consists of owning and supervising its subsidiary, the Bank. The Bank engages in lending services for commercial loans, residential loans, commercial mortgages and various forms of consumer lending. Deposit services include checking, savings, time, and money market deposits. The Bank also provides investment and brokerage services through its Orrstown Financial Advisors division. The Company and the Bank are subject to the regulation of certain federal and state agencies and undergo periodic examinations by such regulatory authorities.

Ratios

vs
industry
vs
history
P/E(ttm) 24.34
ORRF's P/E(ttm) is ranked lower than
83% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.14 vs. ORRF: 24.34 )
Ranked among companies with meaningful P/E(ttm) only.
ORRF' s P/E(ttm) Range Over the Past 10 Years
Min: 4.62  Med: 16.07 Max: 84.61
Current: 24.34
4.62
84.61
Forward P/E 19.12
ORRF's Forward P/E is ranked lower than
93% of the 362 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. ORRF: 19.12 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 24.34
ORRF's PE(NRI) is ranked lower than
83% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.17 vs. ORRF: 24.34 )
Ranked among companies with meaningful PE(NRI) only.
ORRF' s PE(NRI) Range Over the Past 10 Years
Min: 4.62  Med: 16.06 Max: 84.61
Current: 24.34
4.62
84.61
Price/Owner Earnings (ttm) 16.93
ORRF's Price/Owner Earnings (ttm) is ranked lower than
66% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.82 vs. ORRF: 16.93 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ORRF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.18  Med: 17.5 Max: 54.42
Current: 16.93
4.18
54.42
P/B 1.26
ORRF's P/B is ranked lower than
61% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. ORRF: 1.26 )
Ranked among companies with meaningful P/B only.
ORRF' s P/B Range Over the Past 10 Years
Min: 0.41  Med: 1.36 Max: 3.72
Current: 1.26
0.41
3.72
P/S 3.22
ORRF's P/S is ranked lower than
52% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. ORRF: 3.22 )
Ranked among companies with meaningful P/S only.
ORRF' s P/S Range Over the Past 10 Years
Min: 0.8  Med: 2.75 Max: 12.63
Current: 3.22
0.8
12.63
PFCF 53.95
ORRF's PFCF is ranked lower than
95% of the 810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. ORRF: 53.95 )
Ranked among companies with meaningful PFCF only.
ORRF' s PFCF Range Over the Past 10 Years
Min: 1.85  Med: 13.54 Max: 139.4
Current: 53.95
1.85
139.4
POCF 13.83
ORRF's POCF is ranked lower than
70% of the 913 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.21 vs. ORRF: 13.83 )
Ranked among companies with meaningful POCF only.
ORRF' s POCF Range Over the Past 10 Years
Min: 1.77  Med: 11.77 Max: 21.45
Current: 13.83
1.77
21.45
EV-to-EBIT 21.02
ORRF's EV-to-EBIT is ranked lower than
72% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. ORRF: 21.02 )
Ranked among companies with meaningful EV-to-EBIT only.
ORRF' s EV-to-EBIT Range Over the Past 10 Years
Min: -5.4  Med: 17.9 Max: 108.1
Current: 21.02
-5.4
108.1
EV-to-EBITDA 15.73
ORRF's EV-to-EBITDA is ranked lower than
63% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. ORRF: 15.73 )
Ranked among companies with meaningful EV-to-EBITDA only.
ORRF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6.5  Med: 15.4 Max: 37.6
Current: 15.73
-6.5
37.6
Shiller P/E 30.30
ORRF's Shiller P/E is ranked lower than
81% of the 493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.48 vs. ORRF: 30.30 )
Ranked among companies with meaningful Shiller P/E only.
ORRF' s Shiller P/E Range Over the Past 10 Years
Min: 4.8  Med: 20.06 Max: 31.77
Current: 30.3
4.8
31.77

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.59
ORRF's Dividend Yield is ranked lower than
76% of the 2183 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. ORRF: 1.59 )
Ranked among companies with meaningful Dividend Yield only.
ORRF' s Dividend Yield Range Over the Past 10 Years
Min: 0.4  Med: 2.63 Max: 11.34
Current: 1.59
0.4
11.34
Dividend Payout 0.36
ORRF's Dividend Payout is ranked lower than
55% of the 1319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. ORRF: 0.36 )
Ranked among companies with meaningful Dividend Payout only.
ORRF' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.36 Max: 1.13
Current: 0.36
0.08
1.13
Forward Dividend Yield 1.68
ORRF's Forward Dividend Yield is ranked lower than
79% of the 2080 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.09 vs. ORRF: 1.68 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.59
ORRF's Yield on cost (5-Year) is ranked lower than
78% of the 2525 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.49 vs. ORRF: 1.59 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ORRF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.4  Med: 2.63 Max: 11.34
Current: 1.59
0.4
11.34
3-Year Average Share Buyback Ratio -0.80
ORRF's 3-Year Average Share Buyback Ratio is ranked higher than
60% of the 1044 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. ORRF: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ORRF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -8  Med: -0.9 Max: 0
Current: -0.8
-8
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.26
ORRF's Price/Tangible Book is ranked lower than
54% of the 1577 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. ORRF: 1.26 )
Ranked among companies with meaningful Price/Tangible Book only.
ORRF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.52  Med: 2.77 Max: 4.89
Current: 1.26
0.52
4.89
Price/Projected FCF 0.57
ORRF's Price/Projected FCF is ranked higher than
68% of the 832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. ORRF: 0.57 )
Ranked among companies with meaningful Price/Projected FCF only.
ORRF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.27  Med: 1.01 Max: 3.27
Current: 0.57
0.27
3.27
Price/Median PS Value 1.17
ORRF's Price/Median PS Value is ranked lower than
62% of the 1483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. ORRF: 1.17 )
Ranked among companies with meaningful Price/Median PS Value only.
ORRF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.32  Med: 1.65 Max: 4.4
Current: 1.17
0.32
4.4
Price/Graham Number 1.16
ORRF's Price/Graham Number is ranked lower than
71% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. ORRF: 1.16 )
Ranked among companies with meaningful Price/Graham Number only.
ORRF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.46  Med: 1.55 Max: 2.59
Current: 1.16
0.46
2.59
Earnings Yield (Greenblatt) (%) 4.80
ORRF's Earnings Yield (Greenblatt) (%) is ranked lower than
56% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. ORRF: 4.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ORRF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 5.4 Max: 248.8
Current: 4.8
0.9
248.8
Forward Rate of Return (Yacktman) (%) 6.36
ORRF's Forward Rate of Return (Yacktman) (%) is ranked lower than
63% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.77 vs. ORRF: 6.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ORRF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 5.7  Med: 16.1 Max: 30.8
Current: 6.36
5.7
30.8

More Statistics

Revenue (TTM) (Mil) $54.15
EPS (TTM) $ 0.88
Beta0.26
Short Percentage of Float1.75%
52-Week Range $15.93 - 23.73
Shares Outstanding (Mil)8.28

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.91 1.12
EPS w/o NRI ($) 0.91 1.12
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for ORRF

Headlines

Articles On GuruFocus.com
Orrstown Financial Services Inc Reports Operating Results (10-Q) May 07 2010 
Orrstown Financial Services Inc Reports Operating Results (10-Q) Nov 06 2009 
Orrstown Financial Services Inc Reports Operating Results (10-Q) Aug 07 2009 
Orrstown Financial Services Inc (ORRF) CEO Thomas R Jr Quinn buys 4,000 Shares May 12 2009 
Orrstown Financial Services Inc Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
Orrstown Financial Downgraded At KBW Following Share Price Climb Sep 12 2016
Orrstown Financial Services downgraded by Keefe Bruyette Sep 12 2016
Orrstown Bank Announces Addition of Adam Metz, Doug Hummer, and Andrew Johnson Sep 07 2016
Orrstown Bank Announces Addition of Adam Metz, Doug Hummer, and Andrew Johnson Sep 07 2016
ORRSTOWN FINANCIAL SERVICES INC Financials Aug 13 2016
ORRSTOWN FINANCIAL SERVICES INC Files SEC form 10-Q, Quarterly Report Aug 05 2016
Orrstown Financial Services, Inc. :ORRF-US: Earnings Analysis: Q2, 2016 By the Numbers : August 5,... Aug 05 2016
ORRSTOWN FINANCIAL SERVICES INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 28 2016
Orrstown posts 2Q profit Jul 28 2016
Orrstown posts 2Q profit Jul 28 2016
Orrstown Financial Services, Inc. Announces Second Quarter Earnings of $700 Thousand And Quarterly... Jul 28 2016
Orrstown Financial Services, Inc. Announces Second Quarter Earnings of $700 Thousand And Quarterly... Jul 28 2016
Northeast Banks' Q2 Earnings to Watch: VLY, TRCB & More Jul 26 2016
Central Pa. bank continues push eastward by opening Berks County operations Jun 17 2016
Orrstown Bank Announces Opening of New Financial Services Office in Berks County Pennsylvania Jun 16 2016
Orrstown Bank Announces David Hornberger Joins Organization to Lead Lancaster Region Expansion... May 23 2016
Orrstown Bank Opening New Regional Facility in Lancaster County on May 16, 2016 May 11 2016
Orrstown Bank Announces Addition of Three New Commercial Lenders in Lancaster, Pennsylvania May 10 2016
ORRSTOWN FINANCIAL SERVICES INC Files SEC form 10-Q, Quarterly Report May 06 2016
Orrstown Financial Services, Inc. :ORRF-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016

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