Orrstown Financial Financials

ORRF Stock  USD 30.85  0.50  1.59%   
Orrstown Financial Services may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Orrstown Financial's Property Plant And Equipment Net is most likely to increase significantly in the upcoming years. The Orrstown Financial's current Retained Earnings is estimated to increase to about 132.9 M, while Other Current Liabilities is projected to decrease to roughly 2.2 M. Key indicators impacting Orrstown Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.340.3562
Sufficiently Down
Pretty Stable
Operating Income80.8 M77 M
Sufficiently Up
Slightly volatile
Current Ratio207197
Sufficiently Up
Slightly volatile
The essential information of the day-to-day investment outlook for Orrstown Financial includes many different criteria found on its balance sheet. An individual investor should monitor Orrstown Financial's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Orrstown Financial.

Net Income

23.15 Million

  

Orrstown Financial Stock Summary

Orrstown Financial competes with Home Federal, LINKBANCORP, Rhinebeck Bancorp, Lake Shore, and Community West. Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania. Orrstown Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 412 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS6873801053
CUSIP687380105
LocationPennsylvania; U.S.A
Business Address4750 Lindle Road,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.orrstown.com
Phone717 532 6114
CurrencyUSD - US Dollar

Orrstown Financial Key Financial Ratios

Orrstown Financial Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets2.8B2.8B2.9B3.1B5.4B5.7B
Other Current Liab(38.0M)(40.8M)(61.9M)2.6M2.3M2.2M
Net Debt(35.3M)(174.9M)77.3M104.4M(54.3M)(51.6M)
Retained Earnings54.1M78.7M92.5M117.7M126.5M132.9M
Cash125.3M208.7M60.8M65.2M238.3M250.2M
Other Assets1.6B1.6B1.8B(486.0M)(558.9M)(531.0M)
Net Receivables8.9M8.2M11.0M13.6M15.7M16.5M
Total Liab2.5B2.6B2.7B2.8B4.9B5.2B
Total Current Assets600.7M689.4M585.6M559.7M238.3M226.4M
Short Term Debt76.8M24.9M123.7M133.6M153.7M161.4M
Common Stock491K584K586K583K1.0M1.1M
Accounts Payable34.7M38.0M40.8M61.9M55.7M52.9M
Other Liab24.2M26.6M28.8M40.1M46.1M48.4M
Long Term Debt89.9M33.9M138.2M169.6M195.0M204.8M
Inventory(134.2M)(216.9M)(71.9M)19.0M17.1M17.9M
Intangible Assets5.5M4.2M3.1M2.4M47.8M50.2M
Other Current Assets134.2M216.9M71.9M78.8M70.9M67.4M
Treasury Stock(466K)(848K)(1.8M)(13.5M)(12.2M)(11.6M)
Net Tangible Assets196.1M222.1M248.7M207.1M238.2M171.9M
Long Term Debt Total94.9M89.9M33.9M138.2M158.9M166.8M
Capital Surpluse188.4M189.1M189.7M189.3M217.7M162.7M

Orrstown Financial Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense16.0M6.7M9.0M45.0M51.7M54.3M
Total Revenue111.9M116.1M1.3M149.9M176.1M185.0M
Gross Profit105.3M110.1M(4.7M)143.8M176.1M185.0M
Operating Income32.5M40.9M39.2M141.6M77.0M80.8M
Ebit34.3M81.9M97.2M(1.9M)(2.2M)(2.1M)
Ebitda39.1M85.5M100.4M953K1.1M1.0M
Income Before Tax32.5M40.9M26.6M45.0M27.8M29.2M
Net Income26.5M32.9M22.0M35.7M22.1M23.2M
Income Tax Expense6.0M8.0M4.6M9.4M5.8M6.0M
Cost Of Revenue6.7M6.0M6.0M6.1M5.5M5.3M
Tax Provision6.0M8.0M4.6M9.6M11.0M11.6M
Net Interest Income83.6M87.0M99.6M106.4M122.3M74.7M
Interest Income99.6M93.7M108.7M142.0M163.3M89.6M

Orrstown Financial Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash69.3M83.5M(147.9M)4.3M(65.2M)(61.9M)
Free Cash Flow28.9M39.6M35.3M41.4M47.6M50.0M
Depreciation6.6M5.3M4.6M4.3M5.0M2.6M
Other Non Cash Items(1.1M)(2.1M)(9.7M)6.1M(22.1M)(20.9M)
Dividends Paid7.6M8.3M8.3M8.5M9.8M10.2M
Capital Expenditures2.9M1.3M1.3M895K2.3M0.0
Net Income26.5M32.9M22.0M35.7M22.1M23.2M
End Period Cash Flow125.3M208.7M60.8M65.2M74.9M45.9M
Investments(292.3M)(1.8M)(270.2M)(201.0M)(180.9M)(171.8M)
Change Receivables1.2M(2.9M)693K(2.8M)(2.5M)(2.4M)
Net Borrowings19.0M(140.4M)(52.3M)98.2M112.9M118.6M
Change To Netincome(4.1M)(931K)3.4M(15.8M)(14.2M)(13.5M)

Orrstown Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Orrstown Financial's current stock value. Our valuation model uses many indicators to compare Orrstown Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Orrstown Financial competition to find correlations between indicators driving Orrstown Financial's intrinsic value. More Info.
Orrstown Financial Services is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Orrstown Financial Services is roughly  10.85 . At this time, Orrstown Financial's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value Orrstown Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Orrstown Financial Systematic Risk

Orrstown Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Orrstown Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Orrstown Financial correlated with the market. If Beta is less than 0 Orrstown Financial generally moves in the opposite direction as compared to the market. If Orrstown Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Orrstown Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Orrstown Financial is generally in the same direction as the market. If Beta > 1 Orrstown Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Orrstown Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Orrstown Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Orrstown Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.41)

At this time, Orrstown Financial's Price Earnings To Growth Ratio is most likely to slightly decrease in the upcoming years.

Orrstown Financial March 26, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Orrstown Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Orrstown Financial Services. We use our internally-developed statistical techniques to arrive at the intrinsic value of Orrstown Financial Services based on widely used predictive technical indicators. In general, we focus on analyzing Orrstown Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Orrstown Financial's daily price indicators and compare them against related drivers.

Complementary Tools for Orrstown Stock analysis

When running Orrstown Financial's price analysis, check to measure Orrstown Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Orrstown Financial is operating at the current time. Most of Orrstown Financial's value examination focuses on studying past and present price action to predict the probability of Orrstown Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Orrstown Financial's price. Additionally, you may evaluate how the addition of Orrstown Financial to your portfolios can decrease your overall portfolio volatility.
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