Orrstown Financial Services, In (ORRF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Orrstown Financial Services, In

NasdaqCM•Financial Services•Banks - Regional

$43.13+0.67(0.02%)Market closed

Market Cap

$824.67M

P/E

9.6x

P/S

2.3x

P/B

1.3x

Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company 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, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; agricultural loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. The company was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.

How this company scores

WeakMetricSide Score: 76/100

Grade capped at D — Interest coverage below 1× (1.0x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (23/25); weakest: Growth (15/25).

Profitability20/25

Growth15/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (1.0x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.6x5y range 5.8x – 42.9x

Currently near its 20-quarter median.

P/S · 2.3x5y range 1.3x – 2.8x

Currently near its 20-quarter median.

P/B · 1.3x5y range 0.8x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $824.67M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $359.63M
Q. Revenue: $88.54M
TTM EBITDA: $128.74M
TTM Op. Income: $106.96M
Q. Op. Income: $24.66M
TTM Net Income: $86.32M
Q. Net Income: $21.16M
EPS: $1.1
Shares Out.: $19.31M

$359.63M in TTM revenue declined 0.5% YoY, reaching $88.54M last quarter. TTM EBITDA of $128.74M and TTM operating income of $106.96M show growth is flowing through to the bottom line. TTM net income of $86.32M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 70.8%
EBITDA Margin: 31.8%
Op. Margin: 27.9%
Net Margin: 23.9%

Op. margin of 27.9% is down 0.2% YoY — costs are rising relative to revenue. Net margin at 23.9% and gross margin of 70.8% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 3 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.6x
P/S Ratio: 2.3x
P/B Ratio: 1.3x

At 9.6x P/E, the stock trades below typical market levels. P/S of 2.3x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 32% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $5.61B
Cash: $144.84M
Long-Term Debt: $8.05M
Book Value: $621.65M
D/E Ratio: 0.0
Debt/EBITDA: 0.3

With $5.61B in assets and $8.05M in long-term debt, D/E is 0.0and book value is $621.65M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $22.95M
TTM Free Cash Flow: $85.69M
FCF Margin: 23.8%
FCF / Net Income: 1.0

TTM FCF of $85.69M on $22.95M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 83% — a weakening trend.