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Friday 6 November 2026
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Orrstown Financial Services Inc
ORRF Financial Banks Regional
Orrstown Financial Services Inc’s revenue for fiscal 2025 (year ended December 2025) was $356.0 million, up 24.3% from fiscal 2024.
- Revenue
- +0.90%
- EPS
- +8.91%
- Free cash flow
- −5.50%
- Total debt
- −88.3%
Quarter to June 2026, against a year earlier
44.18
0.22
+0.50%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
8.41 | 19.58 | 8.53 | 11.22 | 8.40 | 6.87 | 13.96 | 11.53 | 24.49 | 27.56 |
Piotroski F-Score |
5 | 5 | 8 | 6 | 7 | 7 | 5 | 6 | 6 | 6 |
P/S ratio |
1.91 | 1.89 | 1.73 | 1.81 | 2.25 | 1.42 | 1.93 | 1.76 | 2.77 | 2.95 |
P/FCF ratio |
9.64 | 16.19 | 7.32 | 6.96 | 6.99 | 6.27 | 37.93 | 8.60 | 14.43 | 82.12 |
P/Operating CF |
41.25 | 64.64 | 22.15 | (156.81) | 26.08 | 13.09 | 41.60 | 20.69 | 28.20 | 34.72 |
P/B ratio |
1.15 | 1.05 | 1.14 | 1.07 | 1.02 | 0.74 | 1.05 | 0.88 | 1.37 | 1.35 |
Price to Tangible BV |
1.41 | 1.35 | 1.24 | 1.19 | 1.11 | 0.82 | 1.20 | 0.97 | 1.38 | 1.35 |
EV/Sales |
1.52 | 1.19 | 1.47 | 1.52 | 0.75 | 0.60 | 1.60 | 1.94 | 3.39 | 2.72 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
7.24 | 9.72 | 5.91 | 5.70 | 2.26 | 2.56 | 21.35 | 7.47 | 14.78 | 10.78 |
EV/FCF |
7.67 | 10.19 | 6.23 | 5.84 | 2.34 | 2.67 | 31.41 | 9.49 | 17.65 | 75.77 |
Quick Ratio |
0.04 | 0.06 | 0.03 | 0.03 | 0.09 | 0.06 | 0.03 | 0.06 | 0.03 | 0.03 |
Current Ratio |
0.87 | 0.88 | 0.87 | 0.85 | 0.88 | 0.87 | 0.82 | 0.83 | 0.79 | 0.73 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.67% | 1.26% | 1.05% | 1.10% | 1.13% | 1.16% | 1.34% | 5.96% | 5.38% | 1.71% |
Debt/Equity |
0.06 | 0.13 | 0.12 | 0.14 | 0.12 | 0.13 | 0.14 | 0.66 | 0.58 | 0.18 |
Asset Turnover |
0.06 | 0.07 | 0.06 | 0.05 | 0.04 | 0.05 | 0.06 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
0.92 | 1.59 | 1.23 | 1.64 | 1.24 | 1.14 | 0.54 | 1.76 | 2.02 | 2.35 |
Capex/Depreciation |
0.52 | 0.56 | (0.35) | (0.14) | (0.26) | (0.58) | (0.97) | (0.95) | (0.36) | (1.62) |
| 14.59% | 5.64% | 14.44% | 8.81% | 12.70% | 11.27% | 8.53% | 8.05% | 5.79% | 4.95% | |
| 1.47% | 0.52% | 1.19% | 0.77% | 1.18% | 1.03% | 0.78% | 0.73% | 0.54% | 0.49% | |
ROIC |
14.55% | 9.98% | 13.09% | 8.78% | 29.16% | 14.28% | 9.77% | 5.83% | 4.11% | 4.08% |
Return on Tangible Assets |
(13.48%) | (4.12%) | (11.49%) | (6.28%) | (12.44%) | (9.34%) | (5.00%) | (5.29%) | (3.27%) | (2.18%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
38.50% | 47.66% | 47.57% | 72.90% | 60.20% | 60.84% | 55.68% | 63.74% | 71.75% | 78.27% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.41% | 3.04% | 1.34% | 1.59% | 1.59% | 1.64% | 1.30% | 1.72% | 1.94% | 1.55% |
Graham Net Nets |
(1.14) | (1.38) | (1.43) | (1.93) | (1.34) | (2.14) | (1.89) | (2.75) | (1.85) | (1.99) |
Graham Number |
54.02 | 38.38 | 44.54 | 31.82 | 40.89 | 34.93 | 28.02 | 27.16 | 20.10 | 17.57 |
Earnings Yield |
11.89% | 5.11% | 11.72% | 8.91% | 11.90% | 14.56% | 7.16% | 8.68% | 4.08% | 3.63% |
Free Cash Flow Yield |
10.37% | 6.18% | 13.66% | 14.37% | 14.31% | 15.94% | 2.64% | 11.62% | 6.93% | 1.22% |
Revenue per Share |
18.54 | 19.40 | 16.98 | 12.85 | 11.20 | 11.69 | 11.73 | 10.37 | 8.85 | 7.66 |
Operating CF per Share |
3.89 | 2.37 | 4.23 | 3.43 | 3.72 | 2.76 | 0.88 | 2.69 | 2.03 | 1.93 |
Capex per Share |
(0.22) | (0.11) | (0.22) | (0.08) | (0.11) | (0.12) | (0.28) | (0.57) | (0.33) | (1.66) |
Free Cash Flow per Share |
3.67 | 2.26 | 4.01 | 3.34 | 3.61 | 2.64 | 0.60 | 2.12 | 1.70 | 0.28 |
Cash per Share |
9.19 | 18.23 | 7.46 | 6.77 | 19.69 | 12.41 | 6.96 | 11.92 | 4.93 | 4.75 |
Shareholders Equity per Share |
30.81 | 35.00 | 25.63 | 21.69 | 24.77 | 22.50 | 21.55 | 20.75 | 17.94 | 16.73 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
30.81 | 35.00 | 25.63 | 21.69 | 24.77 | 22.50 | 21.55 | 20.75 | 17.94 | 16.73 |
Free Cash Flow |
70.52 | 33.38 | 41.45 | 35.30 | 39.56 | 28.87 | 6.18 | 17.70 | 13.70 | 2.22 |
Working Capital |
(650.95) | (585.02) | (339.89) | (380.21) | (298.26) | (318.37) | (376.23) | (280.26) | (282.11) | (339.18) |
Capital Expenditures |
(4.22) | (1.58) | (2.25) | (0.89) | (1.25) | (1.30) | (2.91) | (4.79) | (2.65) | (13.37) |
Net Current Asset Value |
(773.65) | (745.60) | (432.97) | (474.09) | (371.04) | (388.30) | (442.80) | (418.39) | (365.93) | (363.35) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.06 | 0.04 | 0.22 |
Price to Operating Income |
6.46 | 10.71 | 6.58 | 9.23 | 6.76 | 5.57 | 8.20 | 8.63 | 15.78 | 22.79 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
(0.16) | (0.06) | 0.22 | 0.22 | 0.14 | 0.06 | 0.08 | 0.13 | 0.21 | 0.24 |
Cash ROIC |
8.76% | 3.91% | 11.07% | 10.62% | 7.61% | 6.97% | 1.89% | 4.56% | 5.10% | 1.12% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.03 | 0.02 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
15,903.12 | 18,012.90 | 20,758.98 | 100,158.44 | 133,863.87 | 53,685.80 | 28,885.84 | 42,112.95 | 58,231.68 | 77,652.76 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
4,575.94 | 3,590.96 | 2,517.53 | 2,470.59 | 2,410.90 | 2,116.20 | 1,717.14 | 1,389.14 | 1,185.98 | 1,092.31 |
Average Assets |
5,491.92 | 4,252.91 | 2,993.32 | 2,878.49 | 2,792.57 | 2,566.92 | 2,158.83 | 1,746.62 | 1,486.68 | 1,353.66 |
Average Common Equity |
554.11 | 390.87 | 246.98 | 250.28 | 258.95 | 234.75 | 198.34 | 159.10 | 139.81 | 133.96 |
Columns are period end dates