ORRF Orrstown Financial Services Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: ORRF

Price (delayed)

$26.475

Market cap

$283.42M

P/E Ratio

7.67

Dividend/share

$0.8

EPS

$3.45

Enterprise value

$397.63M

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 stock's P/E is 19% below its 5-year quarterly average of 9.5 and 4.3% below its last 4 quarters average of 8.0
The equity has grown by 16% YoY and by 9% from the previous quarter
Orrstown Financial Services's EPS has surged by 65% YoY but it has decreased by 4.7% QoQ
Orrstown Financial Services's net income has surged by 62% YoY but it has decreased by 5% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.orrstown.com
Peers: NWFL CZNC ACNB UVSP

Key stats

What are the main financial stats of ORRF
Market
Shares outstanding
10.71M
Market cap
$283.42M
Enterprise value
$397.63M
Valuations
Price to earnings (P/E)
7.67
Price to book (P/B)
1.06
Price to sales (P/S)
2.18
EV/EBIT
8.83
EV/EBITDA
8.05
EV/Sales
3.09
Earnings
Revenue
$128.88M
EBIT
$45.03M
EBITDA
$49.37M
Free cash flow
$43.99M
Per share
EPS
$3.45
Free cash flow per share
$4.14
Book value per share
$24.97
Revenue per share
$12.14
TBVPS
$286.7
Balance sheet
Total assets
$3.06B
Total liabilities
$2.8B
Debt
$179.38M
Equity
$265.06M
Working capital
N/A
Liquidity
Debt to equity
0.68
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.31
Margins
EBITDA margin
38.3%
Gross margin
100%
Net margin
27.7%
Operating margin
34.9%
Efficiency
Return on assets
1.2%
Return on equity
14.4%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
34.9%
Dividend
Dividend yield
3.02%
DPS
$0.8
Payout ratio
23.2%

ORRF stock price

How has the Orrstown Financial Services stock price performed over time
Intraday
0.17%
1 week
1.98%
1 month
2.82%
1 year
42.72%
YTD
-10.25%
QTD
-1.1%

Financial performance

How have Orrstown Financial Services's revenue and profit performed over time
Revenue
$128.88M
Gross profit
$128.88M
Operating income
$45.03M
Net income
$35.66M
Gross margin
100%
Net margin
27.7%
The operating income has surged by 69% year-on-year but it has declined by 4.6% since the previous quarter
Orrstown Financial Services's net income has surged by 62% YoY but it has decreased by 5% QoQ
The operating margin has soared by 61% YoY but it has contracted by 4.1% from the previous quarter
The net margin has soared by 54% YoY but it has contracted by 4.5% from the previous quarter

Growth

What is Orrstown Financial Services's growth rate over time

Valuation

What is Orrstown Financial Services stock price valuation
P/E
7.67
P/B
1.06
P/S
2.18
EV/EBIT
8.83
EV/EBITDA
8.05
EV/Sales
3.09
Orrstown Financial Services's EPS has surged by 65% YoY but it has decreased by 4.7% QoQ
The stock's P/E is 19% below its 5-year quarterly average of 9.5 and 4.3% below its last 4 quarters average of 8.0
The equity has grown by 16% YoY and by 9% from the previous quarter
The price to book (P/B) is 6% more than the 5-year quarterly average of 1.0 and 6% more than the last 4 quarters average of 1.0
ORRF's price to sales (P/S) is 15% more than its last 4 quarters average of 1.9 and 3.8% more than its 5-year quarterly average of 2.1
The revenue has grown by 5% YoY

Efficiency

How efficient is Orrstown Financial Services business performance
Orrstown Financial Services's return on sales has surged by 61% YoY but it has decreased by 4.1% QoQ
The ROIC has soared by 56% YoY but it has contracted by 7% from the previous quarter
ORRF's return on equity has surged by 53% year-on-year but it is down by 8% since the previous quarter
The return on assets has surged by 50% year-on-year but it has declined by 8% since the previous quarter

Dividends

What is ORRF's dividend history
DPS
$0.8
Dividend yield
3.02%
Payout ratio
23.2%
Recent dividends

Financial health

How did Orrstown Financial Services financials performed over time
Orrstown Financial Services's total assets is 9% higher than its total liabilities
Orrstown Financial Services's total assets has increased by 4.9% YoY
The total liabilities has grown by 3.9% YoY
The debt is 32% less than the equity
The debt to equity has declined by 20% since the previous quarter
The equity has grown by 16% YoY and by 9% from the previous quarter

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