Switch to:

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 0.58
ORRF's Cash to Debt is ranked higher than
68% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. ORRF: 0.58 )
ORRF' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.58

Equity to Asset 0.09
ORRF's Equity to Asset is ranked higher than
68% of the 1732 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. ORRF: 0.09 )
ORRF' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.09

0.07
0.12
Interest Coverage 1.96
ORRF's Interest Coverage is ranked higher than
76% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. ORRF: 1.96 )
ORRF' s 10-Year Interest Coverage Range
Min: 0.55   Max: 9999.99
Current: 1.96

0.55
9999.99
F-Score: 6
Z-Score: 0.13
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 : 6/10

vs
industry
vs
history
Operating margin (%) 18.65
ORRF's Operating margin (%) is ranked higher than
61% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.45 vs. ORRF: 18.65 )
ORRF' s 10-Year Operating margin (%) Range
Min: -333.4   Max: 45.08
Current: 18.65

-333.4
45.08
Net-margin (%) 19.17
ORRF's Net-margin (%) is ranked higher than
71% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. ORRF: 19.17 )
ORRF' s 10-Year Net-margin (%) Range
Min: -62.88   Max: 175.62
Current: 19.17

-62.88
175.62
ROE (%) 9.65
ORRF's ROE (%) is ranked higher than
83% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. ORRF: 9.65 )
ORRF' s 10-Year ROE (%) Range
Min: -43.85   Max: 17.43
Current: 9.65

-43.85
17.43
ROA (%) 0.85
ORRF's ROA (%) is ranked higher than
78% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. ORRF: 0.85 )
ORRF' s 10-Year ROA (%) Range
Min: -3.12   Max: 1.66
Current: 0.85

-3.12
1.66
ROC (Joel Greenblatt) (%) 24.13
ORRF's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 1726 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 68.75 vs. ORRF: 24.13 )
ORRF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -157.55   Max: 86.48
Current: 24.13

-157.55
86.48
Revenue Growth (%) -11.80
ORRF's Revenue Growth (%) is ranked higher than
56% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. ORRF: -11.80 )
ORRF' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 109.4
Current: -11.8

0
109.4
EBITDA Growth (%) -22.90
ORRF's EBITDA Growth (%) is ranked higher than
55% of the 1385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. ORRF: -22.90 )
ORRF' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 18.9
Current: -22.9

0
18.9
EPS Growth (%) -17.00
ORRF's EPS Growth (%) is ranked higher than
57% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. ORRF: -17.00 )
ORRF' s 10-Year EPS Growth (%) Range
Min: -17   Max: 18.6
Current: -17

-17
18.6
» ORRF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

ORRF Guru Trades in Q3 2013

Jim Simons 82,964 sh (+42.55%)
» More
Q4 2013

ORRF Guru Trades in Q4 2013

Jim Simons 83,300 sh (+0.4%)
» More
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 (+1.6%)
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.20
ORRF's P/E(ttm) is ranked higher than
76% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. ORRF: 13.20 )
ORRF' s 10-Year P/E(ttm) Range
Min: 10.13   Max: 86
Current: 13.2

10.13
86
P/B 1.30
ORRF's P/B is ranked higher than
63% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. ORRF: 1.30 )
ORRF' s 10-Year P/B Range
Min: 0.41   Max: 5.35
Current: 1.3

0.41
5.35
P/S 2.60
ORRF's P/S is ranked higher than
77% of the 1711 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. ORRF: 2.60 )
ORRF' s 10-Year P/S Range
Min: 0.8   Max: 11.72
Current: 2.6

0.8
11.72
PFCF 4.80
ORRF's PFCF is ranked higher than
86% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. ORRF: 4.80 )
ORRF' s 10-Year PFCF Range
Min: 1.86   Max: 43.26
Current: 4.8

1.86
43.26
EV-to-EBIT 17.80
ORRF's EV-to-EBIT is ranked higher than
72% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.25 vs. ORRF: 17.80 )
ORRF' s 10-Year EV-to-EBIT Range
Min: 11.4   Max: 108.1
Current: 17.8

11.4
108.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.24
ORRF's Price/Tangible Book is ranked higher than
74% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. ORRF: 1.24 )
ORRF' s 10-Year Price/Tangible Book Range
Min: 0.52   Max: 4.89
Current: 1.24

0.52
4.89
Price/DCF (Projected) 0.45
ORRF's Price/DCF (Projected) is ranked higher than
82% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. ORRF: 0.45 )
ORRF' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 2.55
Current: 0.45

0.25
2.55
Price/Median PS Value 0.57
ORRF's Price/Median PS Value is ranked higher than
97% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. ORRF: 0.57 )
ORRF' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 2.61
Current: 0.57

0.2
2.61
Price/Graham Number 0.84
ORRF's Price/Graham Number is ranked higher than
74% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. ORRF: 0.84 )
ORRF' s 10-Year Price/Graham Number Range
Min: 0.81   Max: 2.57
Current: 0.84

0.81
2.57
Earnings Yield (Greenblatt) 5.50
ORRF's Earnings Yield (Greenblatt) is ranked higher than
64% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. ORRF: 5.50 )
ORRF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 8.8
Current: 5.5

0.9
8.8
Forward Rate of Return (Yacktman) 13.30
ORRF's Forward Rate of Return (Yacktman) is ranked higher than
71% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. ORRF: 13.30 )
ORRF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.2   Max: 22.5
Current: 13.3

1.2
22.5

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. 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 21 offices, located in South Central Pennsylvania, principally in Franklin, Perry and Cumberland Counties and in Washington County, Maryland. The Bank was originally organized in 1919 as a state-chartered bank. On March 8, 1988, in a bank holding company reorganization transaction, the Company acquired 100% ownership of the Bank. The Company's primary activity consists of owning and supervising its subsidiary, the Bank. The Bank offers various deposit products, including demand, time, savings, checking, and money market deposits. It also provides various loan products comprising commercial loans, such as commercial real estate, equipment, working capital, and other commercial purpose loans; consumer loans consisting of home equity loans, home equity lines of credit, and other consumer loans; construction, land development, and mortgage loans; and financial and agricultural loans. Further, it offers a line of financial services, including brokerage, mutual funds, estate planning, investments, and life insurance products through its Orrstown Financial Advisors division. The Company and its subsidiary are subject to the regulation of certain federal and state agencies and undergo periodic examinations by such regulatory authorities. Majority of its revenue comes encompasses net interest income, difference between revenues generated by interest-bearing assets and the cost of servicing liabilities.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK