Orrstown Financial Services, Inc. (ORRF)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 111 | 115 | 125 | 129 | 190 | 250 | 256 | - |
| Operating profit | $m | 103 | 107 | ||||||
| Net profit | $m | 26 | 33 | 22 | 36 | 22 | 81 | 86 | 72 |
| EPS reported | $ | 4.18 | 4.62 | ||||||
| Operating cashflow per share | $ | 4.49 | 4.55 | ||||||
| Capex per share | $ | 0.25 | 0.11 | ||||||
| FCF per share | $ | 4.24 | 4.44 | ||||||
| Free cash flow | $m | 70 | 86 | ||||||
| Net debt | $m | -658 | -725 | ||||||
| Book value equity | $m | 592 | 622 | ||||||
| Book value per share | $ | 35.30 | 31.99 | ||||||
| Number of shares | m | 16.76 | 19.43 | ||||||
| DPS (TTM paid) | $ | 1.06 | 1.17 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.47 | 9.04 | ||||||
| P/B LTM | x | 1.00 | 0.95 | ||||||
| P/S LTM | x | 2.36 | 2.31 | ||||||
| P/FCF LTM | x | 8.36 | 6.88 | ||||||
| EV/EBITDA LTM | x | 7.57 | 7.55 | ||||||
| EV/Sales LTM | x | 2.50 | 3.00 | ||||||
| Earnings Yield LTM | % | +11.81% | +11.06% | ||||||
| FCF Yield | % | +11.96% | +14.54% | ||||||
| Quality | |||||||||
| ROE | % | +13.67% | +14.46% | ||||||
| ROIC | % | +23.93% | -2.54% | ||||||
| Operating margin | % | +29.03% | +29.94% | ||||||
| Gross margin | % | +70.64% | +70.96% | ||||||
| FCF/Sales | % | +19.92% | +23.89% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +182.43% | +212.16% | ||||||
| Sales Growth YoY | % | +31.26% | +34.26% | ||||||
| Net Income Growth YoY | % | +266.69% | +291.49% | ||||||
| FCF Growth | % | +111.22% | +156.74% | ||||||
| Operating Profit Growth | % | +269.39% | +286.28% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.50% | +2.70% | ||||||
| Dividend Growth | % | +23.26% | +36.05% | ||||||
| Payout Ratio | % | +29.47% | +25.73% | ||||||
| FCF/Debt | x | 0.21 | 0.30 | ||||||
| Net Debt/EBITDA | x | 2.52 | 1.91 | ||||||
| EBIT/Net interest | x | 0.99 | 1.04 | ||||||
| Net debt/market cap | % | +57.07% | +33.16% | ||||||
| Net debt/Equity | x | -1.11 | -1.17 | ||||||
| Gross debt/equity | x | 0.57 | 0.45 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles like trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor. It also facilitates retail brokerage services through a collaborative arrangement with an external broker/dealer, and provides direct investment advisory and insurance services. Established in 1919, Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania. Its operational footprint spans multiple counties in Pennsylvania (Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (Anne Arundel, Baltimore, Howard, and Washington, alongside Baltimore City).
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Orrstown Financial Services, Inc. (ORRF)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles like trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor. It also facilitates retail brokerage services through a collaborative arrangement with an external broker/dealer, and provides direct investment advisory and insurance services. Established in 1919, Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania. Its operational footprint spans multiple counties in Pennsylvania (Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (Anne Arundel, Baltimore, Howard, and Washington, alongside Baltimore City).
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