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ORRF Orrstown Financial Services Inc

Price (delayed)

$30.06

Market cap

$586.43M

P/E Ratio

14.11

Dividend/share

$0.98

EPS

$2.13

Enterprise value

$491.64M

With $2.8 billion in assets, Orrstown Financial Services, Inc. and its wholly-owned subsidiary, Orrstown Bank, provides a wide range of consumer and business financial services through banking offices in Berks, ...

Highlights
The equity has soared by 96% YoY and by 3.1% from the previous quarter
ORRF's gross profit has surged by 56% year-on-year and by 16% since the previous quarter
The stock's P/E is 43% above its 5-year quarterly average of 9.9 but 15% below its last 4 quarters average of 16.6
Orrstown Financial Services's net income has increased by 43% QoQ but it has decreased by 10% YoY

Key stats

What are the main financial stats of ORRF
Market
Shares outstanding
19.51M
Market cap
$586.43M
Enterprise value
$491.64M
Valuations
Price to earnings (P/E)
14.11
Price to book (P/B)
1.1
Price to sales (P/S)
2.88
EV/EBIT
12.34
EV/EBITDA
9.33
EV/Sales
2.41
Earnings
Revenue
$203.87M
Gross profit
$203.87M
Operating income
$39.83M
Net income
$31.57M
EBIT
$39.83M
EBITDA
$52.69M
Free cash flow
$31.34M
Per share
EPS
$2.13
EPS diluted
$2.11
Free cash flow per share
$1.61
Book value per share
$27.32
Revenue per share
$10.45
TBVPS
$273.17
Balance sheet
Total assets
$5.44B
Total liabilities
$4.91B
Debt
$192.33M
Equity
$532.94M
Working capital
N/A
Liquidity
Debt to equity
0.36
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.8
Margins
EBITDA margin
25.8%
Gross margin
100%
Net margin
15.5%
Operating margin
19.5%
Efficiency
Return on assets
0.6%
Return on equity
6.8%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
19.5%
Dividend
Dividend yield
3.26%
DPS
$0.98
Payout ratio
46%

ORRF stock price

How has the Orrstown Financial Services stock price performed over time
Intraday
-2.78%
1 week
-3.22%
1 month
12.16%
1 year
12.16%
YTD
-17.89%
QTD
0.17%

Financial performance

How have Orrstown Financial Services's revenue and profit performed over time
Revenue
$203.87M
Gross profit
$203.87M
Operating income
$39.83M
Net income
$31.57M
Gross margin
100%
Net margin
15.5%
ORRF financials
ORRF's gross profit has surged by 56% year-on-year and by 16% since the previous quarter
The revenue has soared by 56% YoY and by 16% from the previous quarter
The operating income has increased by 43% since the previous quarter but it has declined by 10% year-on-year
The operating margin has contracted by 43% YoY but it has grown by 23% from the previous quarter

Price vs fundamentals

How does ORRF's price correlate with its fundamentals
Price vs fundamentals
Earnings waterfall
Price vs fair value

Growth

What is Orrstown Financial Services's growth rate over time
ORRF growth chart

Valuation

What is Orrstown Financial Services stock price valuation
P/E
14.11
P/B
1.1
P/S
2.88
EV/EBIT
12.34
EV/EBITDA
9.33
EV/Sales
2.41
Valuation vs average
Price to earnings (P/E)
The stock's P/E is 43% above its 5-year quarterly average of 9.9 but 15% below its last 4 quarters average of 16.6
Orrstown Financial Services's EPS has increased by 43% QoQ but it has decreased by 37% YoY
Price to book (P/B)
The equity has soared by 96% YoY and by 3.1% from the previous quarter
The price to book (P/B) is 10% more than the 5-year quarterly average of 1.0 but 8% less than the last 4 quarters average of 1.2
Price to sales (P/S)
The revenue has soared by 56% YoY and by 16% from the previous quarter
ORRF's price to sales (P/S) is 25% more than its 5-year quarterly average of 2.3 but 18% less than its last 4 quarters average of 3.5

Efficiency

How efficient is Orrstown Financial Services business performance
ORRF's return on equity has dropped by 50% year-on-year but it is up by 21% since the previous quarter
The return on assets has declined by 45% year-on-year but it rose by 20% since the previous quarter
The ROIC has contracted by 43% YoY but it has grown by 14% from the previous quarter
Orrstown Financial Services's return on sales has decreased by 43% YoY but it has increased by 23% QoQ

Dividends

What is ORRF's dividend history
DPS
$0.98
Dividend yield
3.26%
Payout ratio
46%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Orrstown Financial Services financials performed over time
Assets vs liabilities
Orrstown Financial Services's total assets is 11% higher than its total liabilities
Orrstown Financial Services's total assets has surged by 71% YoY
The total liabilities has soared by 69% YoY
Debt vs equity
The debt is 64% less than the equity
The equity has soared by 96% YoY and by 3.1% from the previous quarter
The debt to equity has declined by 39% year-on-year and by 12% since the previous quarter
Balance sheet

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.