Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Orrstown Financial Services, Inc.'s quarterly P/E stands at 6.9x, down 46.3% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 6.5% YoY to 7.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.49 | 6.92 | 7.52 | 7.88 | 8.07 | 12.89 | — | 9.37 | 8.26 | 10.10 | 6.04 | 5.09 | 5.71 |
| — | -46.3% | — | -15.9% | -2.4% | +27.6% | — | +84.0% | +44.8% | +58.8% | — | -30.0% | -24.3% | |
| P/S Ratio | 2.05 | 1.64 | 1.84 | 1.77 | 1.68 | 1.95 | 1.83 | 1.44 | 1.43 | 1.66 | 1.23 | 1.14 | 1.30 |
| — | -16.2% | +0.5% | +22.6% | +17.0% | +17.4% | +48.1% | +26.3% | +10.2% | +3.5% | -34.1% | -43.4% | -36.2% | |
| P/B Ratio | 1.05 | 1.00 | 1.15 | 1.12 | 1.09 | 1.37 | 1.34 | 1.04 | 1.03 | 1.16 | 0.90 | 0.81 | 0.87 |
| — | -26.6% | -14.1% | +8.2% | +5.4% | +17.9% | +48.9% | +27.7% | +19.0% | +8.6% | -21.2% | -25.7% | -12.4% | |
| P/FCF | 10.27 | 9.35 | 7.37 | 6.50 | 16.79 | 24.39 | 24.23 | 11.29 | 5.56 | 5.83 | 6.76 | 3.33 | 10.09 |
| — | -61.7% | -69.6% | -42.4% | +201.7% | +318.2% | +258.4% | +239.0% | -44.8% | — | +32.3% | -5.6% | +2.4% | |
| EV / EBITDA | 8.73 | 7.42 | 5.99 | 6.19 | 4.49 | 7.94 | — | 7.30 | 5.44 | 9.72 | 6.55 | 5.72 | 6.39 |
| — | -6.5% | — | -15.3% | -17.4% | -18.3% | — | +27.6% | -14.9% | +48.8% | — | +32.5% | +207.2% | |
| EV / EBIT | 9.92 | 8.05 | 6.80 | 7.10 | 5.33 | 9.74 | — | 8.09 | 5.98 | 10.87 | 7.16 | 6.21 | 6.99 |
| — | -17.3% | — | -12.2% | -10.9% | -10.4% | — | +30.3% | -14.4% | +52.5% | — | +29.7% | +200.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Orrstown Financial Services, Inc.'s operating margin was 30.4% in Q4 2025, down 0.5 pp QoQ and up 11.5 pp YoY. The trailing four-quarter average of 29.0% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 9.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.6% | 71.6% | 70.4% | 70.8% | 69.7% | 65.5% | 52.5% | 64.1% | 67.2% | 68.8% | 71.5% | 75.0% | 78.3% |
| — | +9.3% | +34.2% | +10.5% | +3.8% | -4.7% | -26.7% | -14.6% | -14.2% | -20.3% | -20.1% | -17.2% | -17.7% | |
| Operating Margin | 29.0% | 30.4% | 30.9% | 28.4% | 26.3% | 18.9% | -10.5% | 19.6% | 22.0% | 21.0% | 26.1% | 28.3% | 28.4% |
| — | +60.5% | +395.2% | +44.6% | +19.9% | -9.8% | -140.1% | -30.7% | -22.8% | -32.9% | +235.2% | -15.1% | -15.2% | |
| Net Margin | 22.8% | 23.7% | 24.4% | 22.3% | 20.9% | 15.1% | -8.4% | 15.4% | 17.4% | 16.5% | 20.4% | 22.5% | 22.9% |
| — | +56.7% | +392.0% | +44.5% | +19.7% | -8.6% | -141.0% | -31.3% | -23.7% | -34.7% | +239.9% | -18.3% | -15.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.6% | 3.7% | 3.9% | 3.6% | 3.4% | 2.6% | -2.0% | 2.8% | 3.2% | 3.0% | 3.7% | 4.1% | 3.9% |
| — | +39.4% | +296.2% | +27.8% | +8.2% | -11.9% | -153.9% | -30.5% | -18.6% | -30.3% | +274.0% | +12.4% | +22.8% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | -0.2% | 0.2% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% |
| — | +55.6% | +320.9% | +48.1% | +21.5% | +0.4% | -161.2% | -25.8% | -11.5% | -25.1% | +275.1% | +5.5% | +5.8% | |
| ROIC | 9.3% | 2.3% | 2.5% | 2.5% | 2.4% | 1.8% | -1.3% | 1.7% | 1.8% | 1.6% | 2.0% | 2.1% | 2.1% |
| — | +31.0% | +298.8% | +45.1% | +27.7% | +9.1% | -164.8% | -20.0% | -10.2% | -40.2% | +216.5% | -20.1% | -15.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Orrstown Financial Services, Inc.'s Debt/EBITDA ratio is 11.2x, up from 8.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 379.8% YoY to 1.13x, strengthening the short-term liquidity position. Debt/Equity has risen for 4 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.57 | 0.57 | 0.49 | 0.43 | 0.36 | 0.41 | 0.40 | 0.58 | 0.59 | 0.68 | 0.85 | 0.75 | 0.87 |
| — | +40.0% | +22.2% | -26.1% | -38.4% | -40.0% | -53.3% | -22.5% | -32.5% | -0.3% | +239.3% | +207.5% | +278.6% | |
| Debt / EBITDA | 2.88 | 11.24 | 8.87 | 8.30 | 7.12 | 9.98 | — | 14.86 | 13.47 | 16.54 | 16.40 | 13.72 | 16.73 |
| — | +12.7% | — | -44.1% | -47.1% | -39.7% | — | +8.3% | -19.5% | +38.1% | — | +181.8% | +232.2% | |
| Current Ratio | 1.13 | 1.13 | 0.19 | 0.18 | 0.07 | 0.24 | 0.23 | 0.25 | 0.26 | 0.23 | 0.23 | 0.24 | 0.25 |
| — | +379.8% | -17.7% | -26.1% | -74.9% | +2.6% | -1.2% | +5.8% | +5.5% | -1.8% | +2.4% | -7.1% | -15.0% | |
| Quick Ratio | 1.13 | 1.13 | 0.19 | 0.18 | 0.07 | 0.24 | 0.23 | 0.25 | 0.26 | 0.23 | 0.23 | 0.24 | 0.25 |
| — | +379.8% | -17.7% | -26.1% | -74.9% | +2.6% | -1.2% | +5.8% | +5.5% | -1.8% | +2.4% | -7.1% | -15.0% | |
| Interest Coverage | 0.99 | 1.07 | 1.06 | 0.98 | 0.85 | 0.58 | -0.32 | 0.57 | 0.68 | 0.69 | 0.93 | 1.18 | 1.43 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Orrstown Financial Services, Inc.'s current P/E is 8.5x. The average P/E over the last 4 quarters is 7.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Orrstown Financial Services, Inc.'s current operating margin is 29.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Orrstown Financial Services, Inc.'s business trajectory between earnings reports.