Orrstown Financial ServicesORRF +1.23%66 EV-to-FCF is 10.22 as of Jun. 27, 2026, which is 32% below its 10-year median of 14.95. GuruFocus rates ORRF with a GF Score™ of 66/100 and a GF Value™ of $30.82 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,195 Banks companies, Orrstown Financial Services ranks worse than 63.01% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Orrstown Financial Services's Enterprise Value is $888.8 Mil.
Orrstown Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $87.0 Mil. Therefore, Orrstown Financial Services's EV-to-FCF for today is 10.22.
The historical rank and industry rank for Orrstown Financial Services's EV-to-FCF or its related term are showing as below:
ORRF'
s EV-to-FCF Range Over the Past 10 Years
Min: -0.4 Med: 14.95 Max: 139.93
Current: 10.22
During the past 13 years, the highest EV-to-FCF of Orrstown Financial Services was 139.93. The lowest was -0.40. And the median was 14.95.
ORRF's EV-to-FCF is ranked worse than 63.01% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs ORRF: 10.22
EV-to-FCF 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-FCF 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 $41.02.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Orrstown Financial Services EV-to-FCF Related Terms
Orrstown Financial Services EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's EV-to-FCF falls into.
Orrstown Financial Services's current Enterprise Value is $888.8 Mil.
Orrstown Financial Services's Free Cash Flow 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 $87.0 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-FCF of 10.22 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Orrstown Financial Services and its competitors. This is 32% below median its historical median of 14.95. According to the industry distribution chart, Orrstown Financial Services ranks #753 out of 1195 companies in the Banks industry, placing it in the top 63%.
Is Orrstown Financial Services' EV-to-FCF too high?
Orrstown Financial Services' current EV-to-FCF of 10.22 is 32% below median its 10-year median of 14.95. The Banks industry median EV-to-FCF is 6.52. Orrstown Financial Services' value of 10.22 is 56.7% above this industry median. Based on the distribution chart, Orrstown Financial Services ranks #753 out of 1195 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-FCF compare to ALRS and FISI?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #753 out of 1195 companies for EV-to-FCF. This places Orrstown Financial Services in the lower half of its industry. The industry median EV-to-FCF is 6.52. Orrstown Financial Services' value of 10.22 is 56.7% above this benchmark. While the company's 10-year median is 14.95 vs. the industry median of 6.52, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orrstown Financial Services's current EV-to-FCF of 10.22 is 56.7% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Orrstown Financial Services and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current EV-to-FCF is 10.22, which is 32% below median its own 10-year median of 14.95. 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 $30.82, compared to a current price of $41.02 — trading 33.1% above its estimated fair value. The current EV-to-FCF is 10.22, which is 32% below median its 10-year median of 14.95 and 56.7% above the Banks industry median of 6.52. Orrstown Financial Services' overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current EV-to-FCF is 10.22 as of Jun. 27, 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 $41.02 is trading 33.1% above its estimated GF Value™ of $30.82.
GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.
Key valuation signals for ORRF:
EV-to-FCF: 10.22 (32% below median its 10-year median of 14.95)
GF Value™: $30.82 vs. price of $41.02 (33.1% above fair value)
Industry Position: 56.7% above the Banks median (#753 of 1195)
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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