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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Orrstown Financial Services's Total Liabilities for the quarter that ended in Mar. 2026 was $4,973.8 Mil. Orrstown Financial Services's Total Assets for the quarter that ended in Mar. 2026 was $5,577.0 Mil.
Therefore, Orrstown Financial Services's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.89.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Orrstown Financial Services Liabilities-to-Assets Related Terms
Orrstown Financial Services Liabilities-to-Assets 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.
ORRF vs SMBK, HBIA, HTB: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Orrstown Financial Services's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Orrstown Financial Services's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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 Liabilities-to-Assets of 0.89 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Orrstown Financial Services and its competitors.
Is Orrstown Financial Services' Liabilities-to-Assets too high?
Orrstown Financial Services' current Liabilities-to-Assets is 0.89. 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' Liabilities-to-Assets compare to SMBK and HBIA?
Orrstown Financial Services' Liabilities-to-Assets of 0.89 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Orrstown Financial Services and its competitors. Orrstown Financial Services's current Liabilities-to-Assets is 0.89. 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 $30.42, compared to a current price of $41.00 — trading 34.8% above its estimated fair value. The current Liabilities-to-Assets is 0.89. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current Liabilities-to-Assets is 0.89 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 $41.00 is trading 34.8% above its estimated GF Value™ of $30.42.
GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.
Key valuation signals for ORRF:
Liabilities-to-Assets: 0.89
GF Value™: $30.42 vs. price of $41.00 (34.8% above fair value)
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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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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