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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 0.27
ORRF's Cash-to-Debt is ranked lower than
83% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. ORRF: 0.27 )
Ranked among companies with meaningful Cash-to-Debt only.
ORRF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.3 Max: 3.2
Current: 0.27
0.07
3.2
Equity-to-Asset 0.10
ORRF's Equity-to-Asset is ranked higher than
50% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ORRF: 0.10 )
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: 0.11
Current: 0.1
0.07
0.11
Interest Coverage 1.46
ORRF's Interest Coverage is ranked lower than
53% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. ORRF: 1.46 )
Ranked among companies with meaningful Interest Coverage only.
ORRF' s Interest Coverage Range Over the Past 10 Years
Min: 0.77  Med: 1.64 Max: 3.13
Current: 1.46
0.77
3.13
Beneish M-Score: -2.25
WACC vs ROIC
4.40%
3.65%
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 : 3/10

vs
industry
vs
history
Operating Margin % 14.03
ORRF's Operating Margin % is ranked lower than
83% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. ORRF: 14.03 )
Ranked among companies with meaningful Operating Margin % only.
ORRF' s Operating Margin % Range Over the Past 10 Years
Min: -56.18  Med: 22.12 Max: 40.89
Current: 14.03
-56.18
40.89
Net Margin % 11.78
ORRF's Net Margin % is ranked lower than
80% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. ORRF: 11.78 )
Ranked among companies with meaningful Net Margin % only.
ORRF' s Net Margin % Range Over the Past 10 Years
Min: -62.88  Med: 22.09 Max: 55.11
Current: 11.78
-62.88
55.11
ROE % 4.82
ORRF's ROE % is ranked lower than
75% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. ORRF: 4.82 )
Ranked among companies with meaningful ROE % only.
ORRF' s ROE % Range Over the Past 10 Years
Min: -35.62  Med: 11.7 Max: 26.65
Current: 4.82
-35.62
26.65
ROA % 0.50
ORRF's ROA % is ranked lower than
72% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. ORRF: 0.50 )
Ranked among companies with meaningful ROA % only.
ORRF' s ROA % Range Over the Past 10 Years
Min: -2.87  Med: 1.01 Max: 2.46
Current: 0.5
-2.87
2.46
3-Year Revenue Growth Rate 3.90
ORRF's 3-Year Revenue Growth Rate is ranked higher than
50% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. ORRF: 3.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ORRF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -11.8  Med: 11.8 Max: 104
Current: 3.9
-11.8
104
3-Year EBITDA Growth Rate -5.10
ORRF's 3-Year EBITDA Growth Rate is ranked lower than
80% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. ORRF: -5.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ORRF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -22.9  Med: 11.7 Max: 18.8
Current: -5.1
-22.9
18.8
3-Year EPS without NRI Growth Rate -13.20
ORRF's 3-Year EPS without NRI Growth Rate is ranked lower than
86% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. ORRF: -13.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ORRF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -17  Med: 13.3 Max: 17.3
Current: -13.2
-17
17.3
GuruFocus has detected 2 Warning Signs with Orrstown Financial Services Inc $ORRF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ORRF's 10-Y Financials

Financials (Next Earnings Date: 2017-07-28 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q3 2016

ORRF Guru Trades in Q3 2016

Jim Simons 146,770 sh (-1.69%)
» More
Q4 2016

ORRF Guru Trades in Q4 2016

Jim Simons 177,300 sh (+20.80%)
» 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    NAICS: 522110    SIC: 6022
Compare:NAS:BCBP, OTCPK:BERK, NAS:BOCH, NAS:BKSC, NAS:BMRC, AMEX:BHB, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » 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
PE Ratio 26.64
ORRF's PE Ratio is ranked lower than
87% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. ORRF: 26.64 )
Ranked among companies with meaningful PE Ratio only.
ORRF' s PE Ratio Range Over the Past 10 Years
Min: 4.62  Med: 16.07 Max: 84.61
Current: 26.64
4.62
84.61
Forward PE Ratio 19.92
ORRF's Forward PE Ratio is ranked lower than
88% of the 526 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. ORRF: 19.92 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 26.64
ORRF's PE Ratio without NRI is ranked lower than
86% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. ORRF: 26.64 )
Ranked among companies with meaningful PE Ratio without NRI only.
ORRF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.62  Med: 16.06 Max: 84.61
Current: 26.64
4.62
84.61
Price-to-Owner-Earnings 31.22
ORRF's Price-to-Owner-Earnings is ranked lower than
88% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. ORRF: 31.22 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ORRF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.18  Med: 17.84 Max: 54.42
Current: 31.22
4.18
54.42
PB Ratio 1.32
ORRF's PB Ratio is ranked lower than
57% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. ORRF: 1.32 )
Ranked among companies with meaningful PB Ratio only.
ORRF' s PB Ratio Range Over the Past 10 Years
Min: 0.41  Med: 1.35 Max: 3.38
Current: 1.32
0.41
3.38
PS Ratio 3.13
ORRF's PS Ratio is ranked higher than
58% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. ORRF: 3.13 )
Ranked among companies with meaningful PS Ratio only.
ORRF' s PS Ratio Range Over the Past 10 Years
Min: 0.8  Med: 2.75 Max: 12.63
Current: 3.13
0.8
12.63
Price-to-Free-Cash-Flow 79.40
ORRF's Price-to-Free-Cash-Flow is ranked lower than
96% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. ORRF: 79.40 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ORRF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.85  Med: 13.54 Max: 139.4
Current: 79.4
1.85
139.4
Price-to-Operating-Cash-Flow 11.30
ORRF's Price-to-Operating-Cash-Flow is ranked lower than
51% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. ORRF: 11.30 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ORRF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.77  Med: 11.56 Max: 20.9
Current: 11.3
1.77
20.9
EV-to-EBIT 33.17
ORRF's EV-to-EBIT is ranked lower than
89% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. ORRF: 33.17 )
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: 33.17
-5.4
108.1
EV-to-EBITDA 24.15
ORRF's EV-to-EBITDA is ranked lower than
84% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. ORRF: 24.15 )
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: 24.15
-6.5
37.6
Shiller PE Ratio 33.18
ORRF's Shiller PE Ratio is ranked lower than
79% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. ORRF: 33.18 )
Ranked among companies with meaningful Shiller PE Ratio only.
ORRF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.78  Med: 20.37 Max: 36.23
Current: 33.18
4.78
36.23

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.72
ORRF's Dividend Yield % is ranked lower than
71% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. ORRF: 1.72 )
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: 1.72
0.4
11.34
Dividend Payout Ratio 0.43
ORRF's Dividend Payout Ratio is ranked lower than
67% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ORRF: 0.43 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ORRF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.43 Max: 0.45
Current: 0.43
0.23
0.45
Forward Dividend Yield % 1.90
ORRF's Forward Dividend Yield % is ranked lower than
72% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. ORRF: 1.90 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.72
ORRF's 5-Year Yield-on-Cost % is ranked lower than
76% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. ORRF: 1.72 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ORRF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.4  Med: 2.63 Max: 11.34
Current: 1.72
0.4
11.34
3-Year Average Share Buyback Ratio -0.70
ORRF's 3-Year Average Share Buyback Ratio is ranked higher than
60% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. ORRF: -0.70 )
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: -0.7
-8
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.33
ORRF's Price-to-Tangible-Book is ranked lower than
51% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. ORRF: 1.33 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ORRF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.52  Med: 2.54 Max: 4.68
Current: 1.33
0.52
4.68
Price-to-Intrinsic-Value-Projected-FCF 0.62
ORRF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
71% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. ORRF: 0.62 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ORRF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.27  Med: 1.08 Max: 2.68
Current: 0.62
0.27
2.68
Price-to-Median-PS-Value 1.14
ORRF's Price-to-Median-PS-Value is ranked higher than
58% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. ORRF: 1.14 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ORRF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.32  Med: 1.62 Max: 4.4
Current: 1.14
0.32
4.4
Price-to-Graham-Number 1.25
ORRF's Price-to-Graham-Number is ranked lower than
71% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. ORRF: 1.25 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ORRF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.48  Med: 1.47 Max: 2.52
Current: 1.25
0.48
2.52
Earnings Yield (Greenblatt) % 3.01
ORRF's Earnings Yield (Greenblatt) % is ranked lower than
66% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. ORRF: 3.01 )
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: 3.01
0.9
248.8
Forward Rate of Return (Yacktman) % 6.68
ORRF's Forward Rate of Return (Yacktman) % is ranked lower than
65% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. ORRF: 6.68 )
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: 16.3 Max: 30.8
Current: 6.68
5.7
30.8

More Statistics

Revenue (TTM) (Mil) $56.28
EPS (TTM) $ 0.81
Beta0.30
Short Percentage of Float0.64%
52-Week Range $17.05 - 23.75
Shares Outstanding (Mil)8.34

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.06 1.25
EPS without NRI ($) 1.06 1.25
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» 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 SERVICES INC Financials Mar 17 2017
ORRSTOWN FINANCIAL SERVICES INC Files SEC form 8-K, Financial Statements and Exhibits Mar 14 2017
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Orrstown Bank Appoints Jeffrey S. Gayman EVP/Market President Feb 27 2017
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Orrstown Bank Announces Branch Realignment in Carlisle, Pennsylvania Jan 26 2017
Orrstown posts 4Q profit Jan 26 2017
Orrstown posts 4Q profit Jan 26 2017
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Orrstown Bank Announces Addition of Kaliopi (Kali) Karomfily, Commercial Lender, in Lancaster County Jan 24 2017
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ORRSTOWN FINANCIAL SERVICES INC Files SEC form 8-K, Change in Directors or Principal Officers Dec 19 2016
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Orrstown (ORRF) is in Overbought Territory: What's Next? Nov 29 2016
ORRSTOWN FINANCIAL SERVICES INC Files SEC form 10-Q, Quarterly Report Nov 07 2016
ETF’s with exposure to Orrstown Financial Services, Inc. : October 31, 2016 Oct 31 2016
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