Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.79 | 8.67 | 9.36 | 8.05 | 6.92 | 7.52 | 7.88 | 8.07 | 12.89 | — | 9.37 | 8.26 | 10.10 | 6.04 | 5.09 | 5.71 | 6.36 | — | 7.28 | 7.54 | 10.50 |
| — | +15.3% | +18.9% | -0.2% | -46.3% | — | -15.9% | -2.4% | +27.6% | — | +84.0% | +44.8% | +58.8% | — | -30.0% | -24.3% | -39.4% | — | -0.3% | +24.5% | +130.9% | |
| P/S Ratio | 3.33 | 2.97 | 3.17 | 2.71 | 2.29 | 2.59 | 2.49 | 2.43 | 2.90 | 2.73 | 2.19 | 2.12 | 2.39 | 1.72 | 1.50 | 1.62 | 1.83 | 1.99 | 2.09 | 2.12 | 2.37 |
| — | +14.5% | +27.1% | +11.6% | -21.1% | -5.1% | +13.6% | +14.8% | +21.2% | +59.0% | +46.0% | +30.2% | +30.5% | -13.6% | -28.3% | -23.4% | -22.7% | -14.5% | -7.7% | +0.2% | +58.6% | |
| P/B Ratio | 1.24 | 1.31 | 1.28 | 1.16 | 1.00 | 1.15 | 1.12 | 1.09 | 1.37 | 1.34 | 1.04 | 1.03 | 1.16 | 0.90 | 0.81 | 0.87 | 1.07 | 1.14 | 1.09 | 0.99 | 1.03 |
| — | +13.7% | +13.7% | +6.7% | -26.6% | -14.1% | +8.2% | +5.4% | +17.9% | +48.9% | +27.7% | +19.0% | +8.6% | -21.2% | -25.7% | -12.4% | +3.5% | +17.7% | +13.4% | +2.1% | +38.7% | |
| P/FCF | 13.58 | — | 8.85 | 6.97 | 9.35 | 7.37 | 6.50 | 16.79 | 24.39 | 24.23 | 11.29 | 5.56 | 5.83 | 6.76 | 3.33 | 10.09 | — | 5.11 | 3.53 | 9.85 | 6.84 |
| — | — | +36.3% | -58.5% | -61.7% | -69.6% | -42.4% | +201.7% | +318.2% | +258.4% | +239.0% | -44.8% | — | +32.3% | -5.6% | +2.4% | — | -21.1% | -84.6% | +162.8% | +101.1% | |
| EV / EBITDA | 9.73 | 9.63 | 9.04 | 7.36 | 7.11 | 5.99 | 6.19 | 4.49 | 7.94 | — | 7.30 | 5.44 | 9.72 | 6.55 | 5.72 | 6.39 | 6.53 | — | 4.32 | 2.08 | 3.28 |
| — | +60.8% | +46.1% | +63.9% | -10.4% | — | -15.3% | -17.4% | -18.3% | — | +27.6% | -14.9% | +48.8% | — | +32.5% | +207.2% | +99.1% | — | +556.5% | +248.7% | +10.9% | |
| EV / EBIT | 11.25 | 9.63 | 10.31 | 8.31 | 8.05 | 6.80 | 7.10 | 5.33 | 9.74 | — | 8.09 | 5.98 | 10.87 | 7.16 | 6.21 | 6.99 | 7.13 | — | 4.79 | 2.32 | 3.78 |
| — | +41.7% | +45.2% | +56.0% | -17.3% | — | -12.2% | -10.9% | -10.4% | — | +30.3% | -14.4% | +52.5% | — | +29.7% | +200.8% | +88.6% | — | +548.0% | +251.6% | +13.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 98.4% | 99.5% | 99.5% | 100.0% | 99.4% | 99.8% | 100.9% | 97.1% | 78.4% | 97.5% | 99.1% | 98.7% | 99.6% | 98.8% | 97.7% | 98.2% | 95.2% | 94.3% | 99.0% | 96.3% |
| — | -0.9% | -0.4% | -1.5% | +3.0% | +26.8% | +2.3% | +1.8% | -1.6% | -21.3% | -1.3% | +1.4% | +0.5% | +4.6% | +4.8% | -1.3% | +2.0% | -3.6% | -3.6% | -4.3% | -2.8% | |
| Operating Margin | 41.1% | 42.5% | 39.4% | 42.6% | 42.5% | 43.6% | 40.0% | 38.1% | 28.1% | -15.6% | 29.8% | 32.4% | 30.1% | 36.3% | 37.3% | 35.5% | 35.6% | -20.5% | 34.7% | 34.9% | 28.8% |
| — | -2.6% | -1.5% | +11.7% | +51.2% | +378.9% | +34.0% | +17.7% | -6.8% | -143.0% | -20.0% | -8.7% | -15.4% | +277.0% | +7.5% | +1.7% | +23.8% | -164.7% | -10.2% | -19.3% | -29.7% | |
| Net Margin | 32.4% | 34.2% | 33.8% | 33.8% | 33.1% | 34.4% | 31.5% | 30.2% | 22.4% | -12.5% | 23.5% | 25.7% | 23.8% | 28.4% | 29.6% | 28.5% | 28.8% | -15.5% | 28.6% | 28.1% | 22.7% |
| — | -0.7% | +7.3% | +11.7% | +47.6% | +375.9% | +33.9% | +17.5% | -5.6% | -144.0% | -20.7% | -9.9% | -17.6% | +283.2% | +3.5% | +1.5% | +27.1% | -160.2% | -7.9% | -19.6% | -30.9% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.6% | 3.7% | 3.5% | 3.7% | 3.7% | 3.9% | 3.6% | 3.4% | 2.6% | -2.0% | 2.8% | 3.2% | 3.0% | 3.7% | 4.1% | 3.9% | 4.3% | -2.1% | 3.6% | 3.2% | 2.5% |
| — | -4.7% | -4.0% | +6.1% | +39.4% | +296.2% | +27.8% | +8.2% | -11.9% | -153.9% | -30.5% | -18.6% | -30.3% | +274.0% | +12.4% | +22.8% | +73.8% | -178.9% | +6.8% | -22.0% | -40.9% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | -0.2% | 0.2% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | -0.2% | 0.3% | 0.3% | 0.2% |
| — | +0.1% | +5.3% | +18.3% | +55.6% | +320.9% | +48.1% | +21.5% | +0.4% | -161.2% | -25.8% | -11.5% | -25.1% | +275.1% | +5.5% | +5.8% | +41.8% | -168.4% | +3.7% | -18.3% | -35.4% | |
| ROIC | 9.3% | 2.2% | 2.1% | 2.3% | 2.3% | 2.5% | 2.5% | 2.4% | 1.8% | -1.3% | 1.7% | 1.8% | 1.6% | 2.0% | 2.1% | 2.1% | 2.7% | -1.7% | 2.6% | 2.4% | 1.9% |
| — | -13.5% | -14.9% | -2.2% | +31.0% | +298.8% | +45.1% | +27.7% | +9.1% | -164.8% | -20.0% | -10.2% | -40.2% | +216.5% | -20.1% | -15.4% | +40.4% | -190.1% | +20.7% | -7.3% | -15.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.57 | 0.70 | 0.45 | 0.44 | 0.57 | 0.49 | 0.43 | 0.36 | 0.41 | 0.40 | 0.58 | 0.59 | 0.68 | 0.85 | 0.75 | 0.87 | 0.68 | 0.25 | 0.24 | 0.23 | 0.21 |
| — | +44.2% | +5.8% | +20.9% | +40.0% | +22.2% | -26.1% | -38.4% | -40.0% | -53.3% | -22.5% | -32.5% | -0.3% | +239.3% | +207.5% | +278.6% | +222.7% | +9.7% | -42.4% | -48.2% | -52.6% | |
| Debt / EBITDA | 2.85 | 15.02 | 10.03 | 8.48 | 10.78 | 8.87 | 8.30 | 7.12 | 9.98 | — | 14.86 | 13.47 | 16.54 | 16.40 | 13.72 | 16.73 | 11.98 | — | 4.87 | 5.04 | 5.84 |
| — | +69.3% | +20.8% | +19.0% | +8.0% | — | -44.1% | -47.1% | -39.7% | — | +8.3% | -19.5% | +38.1% | — | +181.8% | +232.2% | +105.2% | — | -47.1% | -37.5% | -24.7% | |
| Current Ratio | 1.13 | 0.21 | 0.21 | 52.80 | 1.13 | 0.19 | 0.18 | 0.07 | 0.24 | 0.23 | 0.25 | 0.26 | 0.23 | 0.23 | 0.24 | 0.25 | 0.23 | 0.23 | 0.25 | 0.29 | 0.28 |
| — | +12.1% | +14.0% | +79994.0% | +379.8% | -17.7% | -26.1% | -74.9% | +2.6% | -1.2% | +5.8% | +5.5% | -1.8% | +2.4% | -7.1% | -15.0% | -15.2% | -24.1% | -19.9% | +1.3% | +9.6% | |
| Quick Ratio | 1.13 | 0.21 | 0.21 | 52.80 | 1.13 | 0.19 | 0.18 | 0.07 | 0.24 | 0.23 | 0.25 | 0.26 | 0.23 | 0.23 | 0.24 | 0.25 | 0.23 | 0.23 | 0.25 | 0.29 | 0.28 |
| — | +12.1% | +14.0% | +79994.0% | +379.8% | -17.7% | -26.1% | -74.9% | +2.6% | -1.2% | +5.8% | +5.5% | -1.8% | +2.4% | -7.1% | -15.0% | -15.2% | -24.1% | -19.9% | +1.3% | +9.6% | |
| Interest Coverage | 0.99 | 1.16 | 0.95 | 1.08 | 1.07 | 1.06 | 0.98 | 0.85 | 0.58 | -0.32 | 0.57 | 0.68 | 0.69 | 0.93 | 1.18 | 1.43 | 2.58 | -3.26 | 8.72 | 8.53 | 6.44 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying ORRF stock.
Orrstown Financial Services, Inc.'s current P/E is 9.8x. The average P/E over the last 4 quarters is 8.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Orrstown Financial Services, Inc.'s current operating margin is 41.1%. 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.