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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.31
ORRF's Cash to Debt is ranked higher than
59% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. ORRF: 0.31 )
ORRF' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.31

Equity to Asset 0.11
ORRF's Equity to Asset is ranked higher than
76% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. ORRF: 0.11 )
ORRF' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.11
Current: 0.11

0.07
0.11
Interest Coverage 3.13
ORRF's Interest Coverage is ranked higher than
83% of the 2175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. ORRF: 3.13 )
ORRF' s 10-Year Interest Coverage Range
Min: 0.55   Max: 9999.99
Current: 3.13

0.55
9999.99
F-Score: 5
Z-Score: 0.17
WACC vs ROIC
10.11%
18.28%
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 (%) 26.51
ORRF's Operating margin (%) is ranked higher than
69% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.48 vs. ORRF: 26.51 )
ORRF' s 10-Year Operating margin (%) Range
Min: -275.6   Max: 45.08
Current: 26.51

-275.6
45.08
Net-margin (%) 55.27
ORRF's Net-margin (%) is ranked higher than
97% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.33 vs. ORRF: 55.27 )
ORRF' s 10-Year Net-margin (%) Range
Min: -62.88   Max: 162.16
Current: 55.27

-62.88
162.16
ROE (%) 26.25
ORRF's ROE (%) is ranked higher than
98% of the 2380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.85 vs. ORRF: 26.25 )
ORRF' s 10-Year ROE (%) Range
Min: -35.62   Max: 26.65
Current: 26.25

-35.62
26.65
ROA (%) 2.50
ORRF's ROA (%) is ranked higher than
96% of the 2384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. ORRF: 2.50 )
ORRF' s 10-Year ROA (%) Range
Min: -2.87   Max: 2.46
Current: 2.5

-2.87
2.46
ROC (Joel Greenblatt) (%) 30.22
ORRF's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 86.24 vs. ORRF: 30.22 )
ORRF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -181.46   Max: 69.94
Current: 30.22

-181.46
69.94
Revenue Growth (3Y)(%) -11.80
ORRF's Revenue Growth (3Y)(%) is ranked higher than
53% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. ORRF: -11.80 )
ORRF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 109.4
Current: -11.8

0
109.4
» ORRF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

ORRF Guru Trades in Q1 2014

Jim Simons 81,200 sh (-2.52%)
» More
Q2 2014

ORRF Guru Trades in Q2 2014

Jim Simons 82,500 sh (+1.60%)
» More
Q3 2014

ORRF Guru Trades in Q3 2014

Jim Simons 88,432 sh (+7.19%)
» More
Q4 2014

ORRF Guru Trades in Q4 2014

Jim Simons 97,300 sh (+10.03%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 4.90
ORRF's P/E(ttm) is ranked higher than
98% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. ORRF: 4.90 )
ORRF' s 10-Year P/E(ttm) Range
Min: 4.62   Max: 86
Current: 4.9

4.62
86
Forward P/E 11.81
ORRF's Forward P/E is ranked higher than
82% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ORRF: 11.81 )
N/A
PE(NRI) 4.80
ORRF's PE(NRI) is ranked higher than
98% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. ORRF: 4.80 )
ORRF' s 10-Year PE(NRI) Range
Min: 4.62   Max: 84.61
Current: 4.8

4.62
84.61
P/B 1.10
ORRF's P/B is ranked higher than
77% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. ORRF: 1.10 )
ORRF' s 10-Year P/B Range
Min: 0.41   Max: 5.1
Current: 1.1

0.41
5.1
P/S 2.60
ORRF's P/S is ranked higher than
73% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.68 vs. ORRF: 2.60 )
ORRF' s 10-Year P/S Range
Min: 0.8   Max: 12.61
Current: 2.6

0.8
12.61
PFCF 8.60
ORRF's PFCF is ranked higher than
86% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ORRF: 8.60 )
ORRF' s 10-Year PFCF Range
Min: 1.86   Max: 137.5
Current: 8.6

1.86
137.5
POCF 8.03
ORRF's POCF is ranked higher than
87% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 81.00 vs. ORRF: 8.03 )
ORRF' s 10-Year POCF Range
Min: 1.77   Max: 31.67
Current: 8.03

1.77
31.67
EV-to-EBIT 16.13
ORRF's EV-to-EBIT is ranked higher than
76% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. ORRF: 16.13 )
ORRF' s 10-Year EV-to-EBIT Range
Min: -5.4   Max: 108.1
Current: 16.13

-5.4
108.1
Shiller P/E 286.80
ORRF's Shiller P/E is ranked higher than
76% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ORRF: 286.80 )
ORRF' s 10-Year Shiller P/E Range
Min: 4.53   Max: 366.67
Current: 286.8

4.53
366.67
Days Sales Outstanding 21.09
ORRF's Days Sales Outstanding is ranked higher than
95% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ORRF: 21.09 )
ORRF' s 10-Year Days Sales Outstanding Range
Min: 19.03   Max: 300.78
Current: 21.09

19.03
300.78

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
ORRF's Price/Tangible Book is ranked higher than
81% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. ORRF: 1.10 )
ORRF' s 10-Year Price/Tangible Book Range
Min: 0.52   Max: 4.89
Current: 1.1

0.52
4.89
Price/DCF (Projected) 0.40
ORRF's Price/DCF (Projected) is ranked higher than
94% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ORRF: 0.40 )
ORRF' s 10-Year Price/DCF (Projected) Range
Min: 0.27   Max: 3.13
Current: 0.4

0.27
3.13
Price/Median PS Value 0.70
ORRF's Price/Median PS Value is ranked higher than
97% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. ORRF: 0.70 )
ORRF' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 3.19
Current: 0.7

0.23
3.19
Price/Graham Number 0.50
ORRF's Price/Graham Number is ranked higher than
94% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ORRF: 0.50 )
ORRF' s 10-Year Price/Graham Number Range
Min: 0.49   Max: 2.49
Current: 0.5

0.49
2.49
Earnings Yield (Greenblatt) 6.10
ORRF's Earnings Yield (Greenblatt) is ranked higher than
67% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. ORRF: 6.10 )
ORRF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 251.8
Current: 6.1

0.9
251.8
Forward Rate of Return (Yacktman) 8.10
ORRF's Forward Rate of Return (Yacktman) is ranked higher than
64% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. ORRF: 8.10 )
ORRF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.7   Max: 30.8
Current: 8.1

1.7
30.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for NAS:ORRF

Headlines

Articles On GuruFocus.com
7.31 Jan 26 2012 
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. Announces Second Quarter Earnings and Third Quarter Dividend Jul 30 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 

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