Orrstown Financial Services, Inc.

$ 39.03 1.43 %

Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles like trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor. It also facilitates retail brokerage services through a collaborative arrangement with an external broker/dealer, and provides direct investment advisory and insurance services. Established in 1919, Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania. Its operational footprint spans multiple counties in Pennsylvania (Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (Anne Arundel, Baltimore, Howard, and Washington, alongside Baltimore City).

CEO: Thomas Rodney Quinn Jr. - https://www.orrstown.com

Price objectif

$41 5.05 %

Recommandation

Hold

DCF

$ 95.50

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ORRF vs S&P500

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Quick ratio

52.80

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

8.91

may indicate that the company is undervalued or has poor growth prospects.

EPS

4.38

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

14.62 %

reflects reasonable profitability, showing good use of equity.

ROIC

7.02 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

13.38

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.44

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

4.51

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

25.36 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
6 indicates moderate financial health
Altman score
0.49 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
2.54 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.05 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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