ORRF (Orrstown Financial Services) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Orrstown Financial Services LT-Debt-to-Total-Asset?

Orrstown Financial Services ORRF +2.34% 66 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates ORRF with a GF Score™ of 66/100 and a GF Value™ of $30.85 (Significantly Overvalued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Orrstown Financial Services's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Orrstown Financial Services's long-term debt to total assets ratio increased from Mar. 2025 (0.03) to Mar. 2026 (0.04). It may suggest that Orrstown Financial Services is progressively becoming more dependent on debt to grow their business.

Orrstown Financial Services (NAS:ORRF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Orrstown Financial Services LT-Debt-to-Total-Asset Related Terms

Orrstown Financial Services LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Orrstown Financial Services's LT-Debt-to-Total-Asset can be seen below:

* 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 LT-Debt-to-Total-Asset Chart

Orrstown Financial Services Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.01

0.05

0.06

0.03

0.06

Orrstown Financial Services Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.03	0.04	0.05	0.06	0.04

66GF Score

Orrstown Financial Services Inc ORRF

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Orrstown Financial Services LT-Debt-to-Total-Asset Calculation

Orrstown Financial Services's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	311.823	/	5542.255
	=	0.06

Orrstown Financial Services's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	243.968	/	5576.972
	=	0.04

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Orrstown Financial Services (ORRF) has a LT-Debt-to-Total-Asset of 0.04 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Orrstown Financial Services and its competitors.

Is Orrstown Financial Services' LT-Debt-to-Total-Asset too high?

Orrstown Financial Services' current LT-Debt-to-Total-Asset is 0.04. 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' LT-Debt-to-Total-Asset compare to ALRS and FISI?

Orrstown Financial Services' LT-Debt-to-Total-Asset of 0.04 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Orrstown Financial Services and its competitors. Orrstown Financial Services's current LT-Debt-to-Total-Asset is 0.04. 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 $30.85, compared to a current price of $40.67 — trading 31.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current LT-Debt-to-Total-Asset is 0.04 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 31.8% above its estimated GF Value™ of $30.85. GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.

Key valuation signals for ORRF:

LT-Debt-to-Total-Asset: 0.04
GF Value™: $30.85 vs. price of $40.67 (31.8% above fair value)
GF Score™: 66/100 with 5 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies ALRS FISI SMBK IBCP SMBC PGC SHBI HBIA SPFI CCBG SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 4750 Lindle Road, Harrisburg, PA, USA, 17111

Website https://www.orrstown.com

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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$40.67

Price

$30.85

GF Value

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