ORRF Orrstown Financial Services Inc
Price (delayed)
$29.68
Market cap
$578.92M
P/E Ratio
19.92
Dividend/share
$0.92
EPS
$1.49
Enterprise value
$539.95M
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 95% YoY
The revenue has grown by 37% YoY and by 19% from the previous quarter
Orrstown Financial Services's net income has decreased by 38% YoY but it has increased by 38% QoQ
The stock's P/E is 105% above its 5-year quarterly average of 9.7 and 33% above its last 4 quarters average of 15.0
Orrstown Financial Services's EPS has shrunk by 57% YoY and by 21% QoQ
Key stats
What are the main financial stats of ORRF
Market
Valuations
Earnings
Shares outstanding
19.51M
Market cap
$578.92M
Enterprise value
$539.95M
Price to earnings (P/E)
19.92
Price to book (P/B)
1.11
Price to sales (P/S)
3.27
EV/EBIT
19.42
EV/EBITDA
14.4
EV/Sales
3.07
Revenue
$176.14M
Gross profit
$176.14M
Operating income
$27.81M
Net income
$22.05M
EBIT
$27.81M
EBITDA
$37.5M
Free cash flow
$33.38M
Per share
Balance sheet
Liquidity
EPS
$1.49
EPS diluted
$1.48
Free cash flow per share
$1.72
Book value per share
$26.65
Revenue per share
$9.09
TBVPS
$274.72
Total assets
$5.44B
Total liabilities
$4.92B
Debt
$209.91M
Equity
$516.68M
Working capital
N/A
Debt to equity
0.41
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.04
Margins
Efficiency
Dividend
EBITDA margin
21.3%
Gross margin
100%
Net margin
12.5%
Operating margin
15.8%
Return on assets
0.5%
Return on equity
5.6%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
15.8%
Dividend yield
3.1%
DPS
$0.92
Payout ratio
61.7%
ORRF stock price
How has the Orrstown Financial Services stock price performed over time
Intraday
-1.1%
1 week
-3.79%
1 month
-11.4%
1 year
13.59%
YTD
-18.93%
QTD
-1.1%
Financial performance
How have Orrstown Financial Services's revenue and profit performed over time
Revenue
$176.14M
Gross profit
$176.14M
Operating income
$27.81M
Net income
$22.05M
Gross margin
100%
Net margin
12.5%
The net margin has plunged by 55% YoY but it has grown by 16% from the previous quarter
The operating margin has plunged by 55% YoY but it has grown by 15% from the previous quarter
The operating income has declined by 38% year-on-year but it has increased by 37% since the previous quarter
Orrstown Financial Services's net income has decreased by 38% YoY but it has increased by 38% QoQ
Growth
What is Orrstown Financial Services's growth rate over time
Valuation
What is Orrstown Financial Services stock price valuation
P/E
19.92
P/B
1.11
P/S
3.27
EV/EBIT
19.42
EV/EBITDA
14.4
EV/Sales
3.07
The stock's P/E is 105% above its 5-year quarterly average of 9.7 and 33% above its last 4 quarters average of 15.0
Orrstown Financial Services's EPS has shrunk by 57% YoY and by 21% QoQ
The equity has soared by 95% YoY
The price to book (P/B) is 11% more than the 5-year quarterly average of 1.0 but 8% less than the last 4 quarters average of 1.2
ORRF's price to sales (P/S) is 42% more than its 5-year quarterly average of 2.3
The revenue has grown by 37% YoY and by 19% from the previous quarter
Efficiency
How efficient is Orrstown Financial Services business performance
ORRF's return on equity has dropped by 61% year-on-year but it is up by 17% since the previous quarter
The return on assets has dropped by 58% year-on-year but it rose by 25% since the previous quarter
Orrstown Financial Services's return on sales has shrunk by 55% YoY but it has increased by 15% QoQ
The ROIC has plunged by 50% YoY but it has grown by 40% from the previous quarter
Dividends
What is ORRF's dividend history
DPS
$0.92
Dividend yield
3.1%
Payout ratio
61.7%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Orrstown Financial Services financials performed over time
Orrstown Financial Services's total assets is 10% higher than its total liabilities
Orrstown Financial Services's total assets has surged by 78% YoY
The total liabilities has soared by 76% YoY
The debt is 59% less than the equity
The equity has soared by 95% YoY
The debt to equity has declined by 40% year-on-year but it rose by 2.5% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.