NASDAQ
ORRF
Last Price
US $41.72
KEY FIGURES
MKT CAP
$0.8B
EPS
TTM
$4.39
PEG
TTM
0.07x
P/E
TTM
9.02x
P/S
TTM
2.29x
YIELD
2.76%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Orrstown Financial Services, Inc. cash flow to debt ratio of 22.22% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
Orrstown Financial Services, Inc.'s free cash flow has increased 111.22% from $33.38M last year to $70.50M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Orrstown Financial Services, Inc.'s debt to equity ratio is 0.44, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial risk - Healthy debt to equity ratio development.
Orrstown Financial Services, Inc.'s debt has increased relative to shareholder equity from 0.41 last year to 0.44 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
Orrstown Financial Services, Inc. has a net debt to EBITDA ratio of 2.52x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Orrstown Financial Services, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Orrstown Financial Services, Inc.'s profit margin has increased (205.07%) in the last year from 7.76% to 23.68%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
Orrstown Financial Services, Inc.'s short-term assets of $1.02G exceed its short-term liabilities of $895.45M
Decreasing performance - ROA.
Orrstown Financial Services, Inc.'s return on assets of 1.52% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Orrstown Financial Services, Inc.'s return on equity of 14.62%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
Orrstown Financial Services, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
Orrstown Financial Services, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Orrstown Financial Services, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Orrstown Financial Services, Inc. has a free cash flow yield of 8.70%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Orrstown Financial Services, Inc.'s yearly earnings has increased 266.69% since last year from $22.05M to $80.86M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Orrstown Financial Services, Inc.'s yearly revenue has increased 24.56% since last year from $284.09M to $353.86M, signaling increasing performance
Increasing performance - ROIC.
ROIC 7.02% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
Orrstown Financial Services, Inc.'s 3-year revenue CAGR of 38.11% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Orrstown Financial Services, Inc. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Orrstown Financial Services, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Orrstown Financial Services, Inc. is undervalued relative to its fair value price of 48.79 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Orrstown Financial Services, Inc. has an earnings yield of 10.65%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Orrstown Financial Services, Inc. is overvalued relative to its fair value price of 26.64 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Orrstown Financial Services, Inc. has an EV/EBITDA ratio of 8.48x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Orrstown Financial Services, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Orrstown Financial Services, Inc. has a price-to-book ratio of 1.32x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Orrstown Financial Services, Inc. has a price-to-sales ratio of 2.27x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
14.62%
Return on equity
ROIC: 7.02%
Valuation History
9.0X
Price to Earnings
EV/EBITDA: 8.5X
Cash flow
Profit margin
22.77%
(FY vs FY)
EBITDA Y/Y
24.45%
(FY vs FY)
Cash flow Y/Y
19.55%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $41.72
16.95%
Default assumptions
EBITDA Multiple
Fair Value
Market $41.72
-36.15%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.