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NASDAQ: ORRF
Orrstown Financial Services Inc Stock

$35.85+0.95 (+2.72%)
Updated Oct 11, 2024
ORRF Price
$35.85
Fair Value Price
$90.48
Market Cap
$694.45M
52 Week Low
$20.00
52 Week High
$36.65
P/E
11.31x
P/B
2.49x
P/S
2.26x
PEG
1.01x
Dividend Yield
2.32%
Revenue
$129.78M
Earnings
$32.94M
Gross Margin
100%
Operating Margin
32.23%
Profit Margin
25.4%
Debt to Equity
10.49
Operating Cash Flow
$41M
Beta
0.94
Next Earnings
Oct 22, 2024
Ex-Dividend
N/A
Next Dividend
N/A

ORRF Overview

Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits. It also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans comprising home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, the company provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as provides other fiduciary services under the Orrstown Financial Advisors name; and offers retail brokerage services through a third-party broker/dealer arrangement. Further, it offers investment advisory, insurance, and brokerage services. The company operates through offices in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York counties, Pennsylvania; and Anne Arundel, Baltimore, Howard, and Washington counties, Maryland, as well as Baltimore City, Maryland. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania.

Zen Score

Industry Average (30)
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Due Diligence Checks

ORRF ($35.85) is undervalued by 60.38% relative to our estimate of its Fair Value price of $90.48 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
ORRF ($35.85) is significantly undervalued by 60.38% relative to our estimate of its Fair Value price of $90.48 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
ORRF ($35.85) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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ORRF News

Valuation

ORRF fair value

Fair Value of ORRF stock based on Discounted Cash Flow (DCF)
Price
$35.85
Fair Value
$90.48
Undervalued by
60.38%
ORRF ($35.85) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ORRF ($35.85) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ORRF ($35.85) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

ORRF price to earnings (PE)

For valuing profitable companies with steady earnings
Company
11.31x
Industry
12.17x
Market
27.31x
ORRF is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ORRF is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

ORRF price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
2.49x
Industry
1.13x
ORRF is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

ORRF price to earnings growth (PEG)

For valuing profitable companies with growth potential
ORRF is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

ORRF's financial health

Profit margin

Revenue
$32.5M
Net Income
$7.7M
Profit Margin
23.8%
ORRF's Earnings (EBIT) of $41.83M... subscribe to Premium to read more.
Interest Coverage Financials
ORRF's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$3.2B
Liabilities
$2.9B
Debt to equity
10.49
ORRF's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
ORRF's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$6.4M
Investing
-$63.9M
Financing
$7.3M
ORRF's operating cash flow ($41.15M)... subscribe to Premium to read more.
Debt Coverage Financials

ORRF vs Bank Stocks

TickerMarket Cap1d %P/EP/B
ORRF$694.45M+2.72%11.31x2.49x
HBT$694.62M+4.36%9.78x1.36x
OSBC$694.72M+2.24%8.11x1.12x
IBCP$695.23M+3.81%10.53x1.62x
SUPV$702.08M+1.41%11.87x1.80x

Orrstown Financial Services Stock FAQ

What is Orrstown Financial Services's quote symbol?

(NASDAQ: ORRF) Orrstown Financial Services trades on the NASDAQ under the ticker symbol ORRF. Orrstown Financial Services stock quotes can also be displayed as NASDAQ: ORRF.

If you're new to stock investing, here's how to buy Orrstown Financial Services stock.

What is the 52 week high and low for Orrstown Financial Services (NASDAQ: ORRF)?

(NASDAQ: ORRF) Orrstown Financial Services's 52-week high was $36.65, and its 52-week low was $20.00. It is currently -2.17% from its 52-week high and 79.25% from its 52-week low.

How much is Orrstown Financial Services stock worth today?

(NASDAQ: ORRF) Orrstown Financial Services currently has 19,370,897 outstanding shares. With Orrstown Financial Services stock trading at $35.85 per share, the total value of Orrstown Financial Services stock (market capitalization) is $694.45M.

Orrstown Financial Services stock was originally listed at a price of $17.50 in May 13, 1999. If you had invested in Orrstown Financial Services stock at $17.50, your return over the last 25 years would have been 104.86%, for an annualized return of 2.91% (not including any dividends or dividend reinvestments).

How much is Orrstown Financial Services's stock price per share?

(NASDAQ: ORRF) Orrstown Financial Services stock price per share is $35.85 today (as of Oct 11, 2024).

What is Orrstown Financial Services's Market Cap?

(NASDAQ: ORRF) Orrstown Financial Services's market cap is $694.45M, as of Oct 14, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Orrstown Financial Services's market cap is calculated by multiplying ORRF's current stock price of $35.85 by ORRF's total outstanding shares of 19,370,897.
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