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Orrstown Financial ServicesORRF -1.76%66 EV-to-OCF is 10.02 as of Jul. 17, 2026, which is 21% below its 10-year median of 12.72. GuruFocus rates ORRF with a GF Score™ of 66/100 and a GF Value™ of $30.38 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,502 Banks companies, Orrstown Financial Services ranks worse than 71.9% on this metric.
The historical rank and industry rank for Orrstown Financial Services's EV-to-OCF or its related term are showing as below:
ORRF'
s EV-to-OCF Range Over the Past 10 Years
Min: -0.39 Med: 12.72 Max: 47.7
Current: 10.02
During the past 13 years, the highest EV-to-OCF of Orrstown Financial Services was 47.70. The lowest was -0.39. And the median was 12.72.
ORRF's EV-to-OCF is ranked worse than 71.9% of 1502
companies
in the Banks industry
Industry Median: 3.72
vs ORRF: 10.02
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Orrstown Financial Services's PE Ratio (TTM) for today is calculated as:
Orrstown Financial Services's share price for today is $41.34.
Orrstown Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.370.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Orrstown Financial Services EV-to-OCF Related Terms
Orrstown Financial Services EV-to-OCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Orrstown Financial Services's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Orrstown Financial Services EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's EV-to-OCF falls into.
Orrstown Financial Services's current Enterprise Value is $895.1 Mil.
Orrstown Financial Services's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $89.3 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Orrstown Financial Services (ORRF) has a EV-to-OCF of 10.02 as of Jul. 17, 2026. This is 21% below median its historical median of 12.72. According to the industry distribution chart, Orrstown Financial Services ranks #1080 out of 1502 companies in the Banks industry, placing it in the top 71.9%.
Is Orrstown Financial Services' EV-to-OCF too high?
Orrstown Financial Services' current EV-to-OCF of 10.02 is 21% below median its 10-year median of 12.72. The Banks industry median EV-to-OCF is 3.72. Orrstown Financial Services' value of 10.02 is 169.4% above this industry median. Based on the distribution chart, Orrstown Financial Services ranks #1080 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, Orrstown Financial Services has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Orrstown Financial Services' EV-to-OCF compare to SMBK and HBIA?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #1080 out of 1502 companies for EV-to-OCF. This places Orrstown Financial Services in the lower half of its industry. The industry median EV-to-OCF is 3.72. Orrstown Financial Services' value of 10.02 is 169.4% above this benchmark. While the company's 10-year median is 12.72 vs. the industry median of 3.72, Orrstown Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.72, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orrstown Financial Services's current EV-to-OCF of 10.02 is 169.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current EV-to-OCF is 10.02, which is 21% below median its own 10-year median of 12.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Orrstown Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Orrstown Financial Services (ORRF) is currently considered Significantly Overvalued. The stock's GF Value™ is $30.38, compared to a current price of $41.34 — trading 36.1% above its estimated fair value. The current EV-to-OCF is 10.02, which is 21% below median its 10-year median of 12.72 and 169.4% above the Banks industry median of 3.72. Orrstown Financial Services' overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current EV-to-OCF is 10.02 as of Jul. 17, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Orrstown Financial Services (ORRF) Overvalued in 2026?
Based on GuruFocus' analysis, Orrstown Financial Services stock appears to be overvalued.
The current stock price of $41.34 is trading 36.1% above its estimated GF Value™ of $30.38.
GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.
Key valuation signals for ORRF:
EV-to-OCF: 10.02 (21% below median its 10-year median of 12.72)
GF Value™: $30.38 vs. price of $41.34 (36.1% above fair value)
Industry Position: 169.4% above the Banks median (#1080 of 1502)
No single metric tells the full story. See the ORRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Orrstown Financial Services Inc is a financial holding company. Through its subsidiaries, it operates in the community banking segment and engages in lending activities, including commercial, residential, commercial mortgages, construction, municipal, and various forms of consumer lending and deposit services, including checking, savings, time, and money market deposits. The Group also provides fiduciary, investment advisory, insurance, and brokerage services. It offers services to individuals, professionals, small businesses, and other enterprises across different locations in the United States through its branch network and client service centers.
66GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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