Orrstown Financial Services, Inc. (ORRF) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
9.08
+5% vs avg
5yr avg: 8.68
30Y Low2.8·High24.7
P/FCF
↑
10.86
+17% vs avg
5yr avg: 9.26
30Y Low2.0·High82.3
P/B Ratio
↓
1.11
+4% vs avg
5yr avg: 1.07
30Y Low0.5·High4.8
ROE
↑
14.6%
↓+30% vs avg
5yr avg: 11.2%
30Y Low-36%·High27%
Debt/EBITDA
↑
2.88
↓-21% vs avg
5yr avg: 3.67
30Y Low0.7·High16.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ORRF Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Orrstown Financial Services, Inc. trades at 9.0x earnings, 27% below its 5-year average of 12.3x, sitting at the 20th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 34%. On a free-cash-flow basis, the stock trades at 10.9x P/FCF, 17% above the 5-year average of 9.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $766M | $594M | $546M | $308M | $248M | $280M | $183M | $238M | $155M | $208M | $182M |
| Enterprise Value | $1.1B | $888M | $507M | $422M | $343M | $128M | $167M | $587M | $263M | $355M | $264M |
| P/E Ratio → | 8.97 | 8.14 | 24.74 | 8.63 | 11.24 | 8.51 | 6.90 | 14.05 | 12.14 | 25.77 | 27.65 |
| P/S Ratio | 2.16 | 1.68 | 1.92 | 1.77 | 1.85 | 2.30 | 1.44 | 1.97 | 1.81 | 2.94 | 2.99 |
| P/B Ratio | 1.11 | 1.00 | 1.06 | 1.16 | 1.08 | 1.03 | 0.74 | 1.07 | 0.90 | 1.43 | 1.35 |
| P/FCF | 10.86 | 8.42 | 16.36 | 7.43 | 7.02 | 7.08 | 6.33 | 38.49 | 8.78 | 15.16 | 82.26 |
| P/OCF | 10.25 | 7.94 | 15.62 | 7.04 | 6.85 | 6.86 | 6.05 | 26.16 | 6.91 | 12.70 | 11.71 |
P/E links to full P/E history page with 30-year chart
ORRF EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Orrstown Financial Services, Inc.'s enterprise value stands at 9.1x EBITDA, roughly in line with its 5-year average of 8.7x. The Financial Services sector median is 11.4x, placing the stock at a 20% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.51 | 1.78 | 2.42 | 2.55 | 1.05 | 1.31 | 4.87 | 3.06 | 5.03 | 4.33 |
| EV / EBITDA | 9.08 | 7.61 | 13.52 | 8.55 | 10.97 | 2.78 | 4.27 | 23.29 | 14.54 | 22.64 | 24.36 |
| EV / EBIT | 10.32 | 8.64 | 18.23 | 9.37 | 12.87 | 3.14 | 5.13 | 29.87 | 18.21 | 28.59 | 33.47 |
| EV / FCF | — | 12.59 | 15.19 | 10.19 | 9.70 | 3.24 | 5.78 | 94.92 | 14.86 | 25.94 | 119.12 |
ORRF Profitability
Margins and return-on-capital ratios measuring operating efficiency
Orrstown Financial Services, Inc. earns an operating margin of 29.0%, above the Financial Services sector average of 20.3%. Operating margins have expanded from 25.8% to 29.0% over the past 3 years, signaling improving operational efficiency. ROE of 14.6% is modest. ROIC of 9.3% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.6% | 70.6% | 61.2% | 73.2% | 90.2% | 93.6% | 83.2% | 79.6% | 83.3% | 87.8% | 90.7% |
| Operating Margin | 29.0% | 29.0% | 9.8% | 25.8% | 19.8% | 33.6% | 25.6% | 16.3% | 16.8% | 17.6% | 13.0% |
| Net Profit Margin | 22.8% | 22.8% | 7.8% | 20.5% | 16.4% | 27.0% | 20.9% | 14.0% | 14.9% | 11.5% | 10.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.6% | 14.6% | 5.6% | 14.4% | 8.8% | 12.7% | 11.3% | 8.5% | 8.0% | 5.8% | 4.9% |
| ROA | 1.5% | 1.5% | 0.5% | 1.2% | 0.8% | 1.2% | 1.0% | 0.8% | 0.7% | 0.5% | 0.5% |
| ROIC | 9.3% | 9.3% | 3.6% | 8.2% | 5.6% | 9.0% | 5.0% | 3.0% | 3.2% | 3.3% | 2.4% |
| ROCE | 3.8% | 3.8% | 4.3% | 9.7% | 6.9% | 11.4% | 9.0% | 6.2% | 5.6% | 6.4% | 5.0% |
ORRF Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Orrstown Financial Services, Inc. carries a Debt/EBITDA ratio of 2.9x, which is moderately leveraged (32% below the sector average of 4.3x). Net debt stands at $294M ($336M total debt minus $42M cash). Interest coverage of just 1.0x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.57 | 0.57 | 0.41 | 0.68 | 0.68 | 0.21 | 0.44 | 1.81 | 1.03 | 1.23 | 0.83 |
| Debt / EBITDA | 2.88 | 2.88 | 5.60 | 3.63 | 4.98 | 1.24 | 2.80 | 16.07 | 9.92 | 11.30 | 10.33 |
| Net Debt / Equity | — | 0.50 | -0.08 | 0.43 | 0.41 | -0.56 | -0.06 | 1.56 | 0.62 | 1.02 | 0.61 |
| Net Debt / EBITDA | 2.52 | 2.52 | -1.04 | 2.31 | 3.03 | -3.28 | -0.41 | 13.85 | 5.95 | 9.40 | 7.54 |
| Debt / FCF | — | 4.17 | -1.17 | 2.76 | 2.68 | -3.83 | -0.55 | 56.43 | 6.08 | 10.77 | 36.86 |
| Interest Coverage | 0.99 | 0.99 | 0.30 | 1.00 | 2.95 | 6.08 | 2.03 | 0.83 | 1.07 | 1.63 | 1.46 |
ORRF Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.13x means Orrstown Financial Services, Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 0.23x to 1.13x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.13 | 1.13 | 0.24 | 0.23 | 0.23 | 0.28 | 0.25 | 0.27 | 0.33 | 0.34 | 0.35 |
| Quick Ratio | 1.13 | 1.13 | 0.24 | 0.23 | 0.23 | 0.28 | 0.25 | 0.27 | 0.33 | 0.34 | 0.35 |
| Cash Ratio | 0.05 | 0.05 | 0.05 | 0.03 | 0.02 | 0.08 | 0.05 | 0.03 | 0.04 | 0.02 | 0.02 |
| Asset Turnover | — | 0.06 | 0.05 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.04 | 0.05 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
ORRF Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Orrstown Financial Services, Inc. returns 3.5% to shareholders annually — split between a 3.2% dividend yield and 0.3% buyback yield. The payout ratio of 25.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 11.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.2% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 25.5% | 25.5% | 59.8% | 23.8% | 37.5% | 25.2% | 28.8% | 36.3% | 34.2% | 43.1% | 43.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 11.1% | 12.3% | 4.0% | 11.6% | 8.9% | 11.7% | 14.5% | 7.1% | 8.2% | 3.9% | 3.6% |
| FCF Yield | 9.2% | 11.9% | 6.1% | 13.5% | 14.2% | 14.1% | 15.8% | 2.6% | 11.4% | 6.6% | 1.2% |
| Buyback Yield | 0.3% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.5% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $17M | $15M | $10M | $11M | $11M | $11M | $11M | $9M | $8M | $8M |
Peer Comparison
Compare ORRF with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 ORRFYou | $766M | 9.0 | 9.1 | 10.9 | 70.6% | 29.0% | 14.6% | 9.3% | 2.9 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 MNSB | $176M | 13.6 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 NKSH | $225M | 14.2 | 11.4 | 14.8 | 65.1% | 22.5% | 9.3% | 8.4% | 0.1 |
 FUNC | $277M | 11.3 | 8.0 | 18.0 | 70.2% | 27.3% | 12.8% | 7.1% | 3.5 |
 ACNB | $592M | 15.9 | 16.9 | 11.3 | 73.7% | 27.3% | 10.2% | 5.3% | 6.2 |
 FRAF | $276M | 13.0 | 17.8 | 11.2 | 64.3% | 19.7% | 13.3% | 5.2% | 8.2 |
 PFIS | $623M | 10.6 | 11.4 | 14.4 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CNOB | $2B | 21.9 | 24.0 | 16.2 | 44.2% | 18.6% | 5.7% | 3.5% | 10.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
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ORRF — Frequently Asked Questions
Quick answers to the most common questions about buying ORRF stock.
What is Orrstown Financial Services, Inc.'s P/E ratio?
Orrstown Financial Services, Inc.'s current P/E ratio is 9.0x. The historical average is 16.8x. This places it at the 20th percentile of its historical range.
What is Orrstown Financial Services, Inc.'s EV/EBITDA?
Orrstown Financial Services, Inc.'s current EV/EBITDA is 9.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.7x.
What is Orrstown Financial Services, Inc.'s ROE?
Orrstown Financial Services, Inc.'s return on equity (ROE) is 14.6%. The historical average is 10.5%.
Is ORRF stock overvalued?
Based on historical data, Orrstown Financial Services, Inc. is trading at a P/E of 9.0x. This is at the 20th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Orrstown Financial Services, Inc.'s dividend yield?
Orrstown Financial Services, Inc.'s current dividend yield is 3.16% with a payout ratio of 25.5%.
What are Orrstown Financial Services, Inc.'s profit margins?
Orrstown Financial Services, Inc. has 70.6% gross margin and 29.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Orrstown Financial Services, Inc. have?
Orrstown Financial Services, Inc.'s Debt/EBITDA ratio is 2.9x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.