NAS:ORRF (USA)

Orrstown Financial Services Inc

$ 20.96 -0.03 (-0.14%)
Volume: 15,064 Avg Vol (1m): 28,053
Market Cap $: 237.47 Mil Enterprise Value $: -185,220,000.00
P/E (TTM): 14.79 P/B: 1.11
Earnings Power Value 40.37
Net Current Asset Value 0
Tangible Book 17.46
Projected FCF 31.37
Median P/S Value 22.78
Graham Number 23.62
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 0.53
Cash-To-Debt ranked lower than
69.33% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
ORRF: 0.53
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.07, Med: 0.3, Max: 10000
Current: 0.53
0.07
10000
Equity-to-Asset 0.09
Equity-to-Asset ranked lower than
62.94% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
ORRF: 0.09
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.07, Med: 0.09, Max: 0.12
Current: 0.09
0.07
0.12
Debt-to-Equity 0.81
Debt-to-Equity ranked lower than
60.30% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
ORRF: 0.81
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.05, Med: 0.87, Max: 2.09
Current: 0.81
0.05
2.09
Beneish M-Score -2.27
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 7.35%

Profitability & Growth : 3/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 16.44
Net Margin ranked lower than
70.65% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
ORRF: 16.44
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -62.88, Med: 16.31, Max: 55.11
Current: 16.44
-62.88
55.11
ROE % 7.81
ROE ranked lower than
59.89% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
ORRF: 7.81
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -35.62, Med: 7.05, Max: 26.65
Current: 7.81
-35.62
26.65
ROA % 0.69
ROA ranked lower than
65.47% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
ORRF: 0.69
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -2.87, Med: 0.68, Max: 2.46
Current: 0.69
-2.87
2.46
3-Year Total Revenue Growth Rate 11.20
3-Year Revenue Growth Rate ranked higher than
56.18% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
ORRF: 9.4
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -11.8, Med: 12, Max: 110.3
Current: 9.4
-11.8
110.3
3-Year EPS w/o NRI Growth Rate 15.60
3-Year EPS w/o NRI Growth Rate ranked lower than
95.36% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
ORRF: 15.6
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 12.5, Max: 18.6
Current: 15.6
0
18.6

» ORRF's 30-Y Financials

Financials (Next Earnings Date: 2019-07-18)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6022
Compare NAS:MNSB NYSE:MSL NAS:NWFL NAS:NBN NAS:CCB NAS:CVLY NAS:BPRN NAS:BOCH NAS:SHBI NAS:ENFC NAS:FBIZ NAS:PWOD OTCPK:TGRF NAS:MVBF OTCPK:JMSB NAS:MPB NAS:FGBI OTCPK:TRIN OTCPK:BERK NAS:LEVL
Traded in other countries
Address 77 East King Street, P.O. Box 250, Shippensburg, PA, USA, 17257
Orrstown Financial Services Inc is a holding company. The Bank is engaged in commercial banking and trust business, this involves accepting demand, time and savings deposits, and granting loans. It is also engaged in lending services for commercial, residential, commercial mortgages, construction, municipal, and various forms of consumer lending. Deposit services include checking, savings, time, and money market deposits. Orrstown also provides investment and brokerage services through its Orrstown Financial Advisors division. The Company operates in one significant segment - Community Banking.

Ratios

Current vs industry vs history
PE Ratio (TTM) 14.79
PE Ratio ranked lower than
59.54% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
ORRF: 14.79
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 4.61, Med: 15.54, Max: 84.61
Current: 14.79
4.61
84.61
Forward PE Ratio 12.42
Forward P/E ranked lower than
65.50% of 487 companies
in the Banks - Regional - US industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
ORRF: 12.42
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 14.79
PE without NRI ranked lower than
58.94% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
ORRF: 14.79
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 4.61, Med: 15.54, Max: 84.61
Current: 14.79
4.61
84.61
Price-to-Owner-Earnings 16.87
Price-to-Owner-Earnings ranked higher than
50.76% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
ORRF: 16.87
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 4.18, Med: 14.72, Max: 54.42
Current: 16.87
4.18
54.42
PB Ratio 1.11
PB Ratio ranked lower than
51.36% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
ORRF: 1.11
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.41, Med: 1.29, Max: 2.39
Current: 1.11
0.41
2.39
PS Ratio 2.44
PS Ratio ranked higher than
60.95% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
ORRF: 2.44
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.8, Med: 2.68, Max: 5.41
Current: 2.44
0.8
5.41
Price-to-Free-Cash-Flow 14.36
Price-to-Free-Cash-Flow ranked higher than
57.82% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
ORRF: 14.36
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 1.85, Med: 11.58, Max: 138.76
Current: 14.36
1.85
138.76
Price-to-Operating-Cash-Flow 10.17
Price-to-Operating-Cash-Flow ranked higher than
60.34% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
ORRF: 10.17
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.77, Med: 9.85, Max: 20.93
Current: 10.17
1.77
20.93
EV-to-Revenue -2.45
EV-to-Revenue ranked lower than
54.04% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
ORRF: -2.45
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -3.3, Med: 3.8, Max: 8.9
Current: -2.45
-3.3
8.9
Shiller PE Ratio 44.93
Shiller PE Ratio ranked lower than
89.88% of 672 companies
in the Banks - Regional - US industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
ORRF: 44.93
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 4.83, Med: 21.97, Max: 50.19
Current: 44.93
4.83
50.19

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.67
Trailing Dividend Yield ranked lower than
58.64% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
ORRF: 2.67
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.4, Med: 2.52, Max: 11.34
Current: 2.67
0.4
11.34
Dividend Payout Ratio 0.39
Dividend Payout Ratio ranked lower than
52.18% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
ORRF: 0.39
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.23, Med: 0.42, Max: 0.43
Current: 0.39
0.23
0.43
3-Year Dividend Growth Rate (Per Share) 32.30
3-Year Dividend Growth Rate ranked lower than
100.00% of 880 companies
in the Banks - Regional - US industry.
Industry Max: 228.7, Med: 6, Min: -100
ORRF: 32.3
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 7.15, Max: 48.8
Current: 32.3
0
48.8
Forward Dividend Yield % 2.86
Forward Dividend Yield ranked lower than
56.24% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
ORRF: 2.86
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 2.67
Yield-on-Cost (5y) ranked lower than
66.42% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
ORRF: 2.67
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.4, Med: 2.52, Max: 11.34
Current: 2.67
0.4
11.34
3-Year Share Buyback Rate -4.50
3-Year Share Buyback Rate ranked higher than
66.14% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
ORRF: -4.5
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -8, Med: -0.85, Max: 0
Current: -4.5
-8
0

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.20
Price-to-Tangible-Book ranked lower than
53.03% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
ORRF: 1.2
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.52, Med: 2.28, Max: 4.89
Current: 1.2
0.52
4.89
Price-to-Projected-FCF 0.67
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
61.90% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
ORRF: 0.67
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.27, Med: 0.83, Max: 3.27
Current: 0.67
0.27
3.27
Price-to-Median-PS-Value 0.92
Price-to-Median-PS-Value ranked higher than
64.50% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
ORRF: 0.92
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.32, Med: 1.39, Max: 4.5
Current: 0.92
0.32
4.5
Price-to-Graham-Number 0.89
Price-to-Graham-Number ranked lower than
51.69% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
ORRF: 0.89
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.46, Med: 1.38, Max: 2.6
Current: 0.89
0.46
2.6

More Statistics

Revenue (TTM) (Mil) $ 74.71
EPS (TTM) $ 1.42
Beta 1.02
Volatility % 28.23
52-Week Range $ 17.3 - 27.05
Shares Outstanding (Mil) 11.33

Analyst Estimate

Piotroski F-Score Details