ORRF Orrstown Financial Services Inc
Price (delayed)
$35.16
Market cap
$681.08M
P/E Ratio
11.09
Dividend/share
$0.83
EPS
$3.17
Enterprise value
$710.32M
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 grown by 13% YoY and by 2.5% from the previous quarter
The debt has contracted by 12% YoY
Orrstown Financial Services's EPS has increased by 39% YoY but it has decreased by 6% QoQ
Orrstown Financial Services's net income has increased by 38% YoY but it has decreased by 6% QoQ
The stock's P/E is 43% above its last 4 quarters average of 7.7 and 23% above its 5-year quarterly average of 9.0
Key stats
What are the main financial stats of ORRF
Market
Valuations
Earnings
Shares outstanding
19.37M
Market cap
$681.08M
Enterprise value
$710.32M
Price to earnings (P/E)
11.09
Price to book (P/B)
1.35
Price to sales (P/S)
2.9
EV/EBIT
16.98
EV/EBITDA
15.38
EV/Sales
5.47
Revenue
$129.78M
EBIT
$41.83M
EBITDA
$46.19M
Free cash flow
$41.13M
Per share
Balance sheet
Liquidity
EPS
$3.17
Free cash flow per share
$3.84
Book value per share
$25.97
Revenue per share
$12.11
TBVPS
$296.44
Total assets
$3.2B
Total liabilities
$2.92B
Debt
$161.75M
Equity
$278.38M
Working capital
N/A
Debt to equity
0.58
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.63
Margins
Efficiency
Dividend
EBITDA margin
35.6%
Gross margin
100%
Net margin
25.4%
Operating margin
32.2%
Return on assets
1.1%
Return on equity
12.5%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
32.2%
Dividend yield
2.36%
DPS
$0.83
Payout ratio
26.2%
ORRF stock price
How has the Orrstown Financial Services stock price performed over time
Intraday
0.6%
1 week
1.12%
1 month
5.05%
1 year
59.1%
YTD
19.19%
QTD
28.51%
Financial performance
How have Orrstown Financial Services's revenue and profit performed over time
Revenue
$129.78M
Gross profit
$129.78M
Operating income
$41.83M
Net income
$32.94M
Gross margin
100%
Net margin
25.4%
The operating income has increased by 43% year-on-year but it has declined by 6% since the previous quarter
The operating margin has grown by 41% YoY but it has contracted by 5% from the previous quarter
Orrstown Financial Services's net income has increased by 38% YoY but it has decreased by 6% QoQ
The net margin has grown by 37% YoY but it has contracted by 6% 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
11.09
P/B
1.35
P/S
2.9
EV/EBIT
16.98
EV/EBITDA
15.38
EV/Sales
5.47
The stock's P/E is 43% above its last 4 quarters average of 7.7 and 23% above its 5-year quarterly average of 9.0
Orrstown Financial Services's EPS has increased by 39% YoY but it has decreased by 6% QoQ
The price to book (P/B) is 35% more than the 5-year quarterly average of 1.0 and 23% more than the last 4 quarters average of 1.1
The equity has grown by 13% YoY and by 2.5% from the previous quarter
ORRF's price to sales (P/S) is 38% more than its 5-year quarterly average of 2.1 and 31% more than its last 4 quarters average of 2.2
Efficiency
How efficient is Orrstown Financial Services business performance
Orrstown Financial Services's return on sales has increased by 41% YoY but it has decreased by 5% QoQ
The return on assets rose by 38% year-on-year
The ROIC has grown by 30% YoY but it has contracted by 7% from the previous quarter
ORRF's return on equity is up by 23% year-on-year but it is down by 9% since the previous quarter
Dividends
What is ORRF's dividend history
DPS
$0.83
Dividend yield
2.36%
Payout ratio
26.2%
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
The total liabilities has grown by 6% YoY
Orrstown Financial Services's total assets has increased by 6% YoY
The debt is 42% less than the equity
The debt to equity has declined by 23% year-on-year
The equity has grown by 13% YoY and by 2.5% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.