Orrstown Financial ServicesORRF +2.34%66 FCF Margin % is 39.59% as of Mar. 2026, which is 57% above its 10-year median of 25.25. GuruFocus rates ORRF with a GF Score™ of 66/100 and a GF Value™ of $30.87 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, Orrstown Financial Services ranks better than 63.26% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's FCF Margin % falls into.
* 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 FCF Margin % of 39.59% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Orrstown Financial Services and its competitors. This is 57% above median its historical median of 25.25. Over the past decade, Orrstown Financial Services' FCF Margin % has ranged from 3.99 to 34.43. According to the industry distribution chart, Orrstown Financial Services ranks #553 out of 1505 companies in the Banks industry, placing it in the top 36.7%.
Is Orrstown Financial Services' FCF Margin % too high?
Orrstown Financial Services' current FCF Margin % of 39.59% is 57% above median its 10-year median of 25.25. Over the past 10 years, this metric has ranged from a low of 3.99 to a high of 34.43. The Banks industry median FCF Margin % is 26.42. Orrstown Financial Services' value of 39.59% is 49.8% above this industry median. Based on the distribution chart, Orrstown Financial Services ranks #553 out of 1505 companies in the Banks industry, which is above 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' FCF Margin % compare to ALRS and FISI?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #553 out of 1505 companies for FCF Margin %. This puts Orrstown Financial Services in the upper half of its industry. The industry median FCF Margin % is 26.42. Orrstown Financial Services' value of 39.59% is 49.8% above this benchmark. Historically, Orrstown Financial Services' own FCF Margin % has ranged from 3.99 to 34.43 over the past decade. While the company's 10-year median is 25.25 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orrstown Financial Services's current FCF Margin % of 39.59% is 49.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Orrstown Financial Services and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current FCF Margin % is 39.59%, which is 57% above median its own 10-year median of 25.25. 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 $30.87, compared to a current price of $40.67 — trading 31.7% above its estimated fair value. The current FCF Margin % is 39.59%, which is 57% above median its 10-year median of 25.25 and 49.8% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current FCF Margin % is 39.59% as of Mar. 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 $40.67 is trading 31.7% above its estimated GF Value™ of $30.87.
GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.
Key valuation signals for ORRF:
FCF Margin %: 39.59% (57% above median its 10-year median of 25.25)
GF Value™: $30.87 vs. price of $40.67 (31.7% above fair value)
Industry Position: 49.8% above the Banks median (#553 of 1505)
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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