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Orrstown Financial Services (ORRF)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
CSV downloads as a ZIP archive with one file for each report and frequency.
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Orrstown Financial Services Financial Ratios 2025-2008 | ORRF
Brief overview of Orrstown Financial Services's market valuation
The review covers five available annual periods spanning 2021 to 2025.
Key multiples at the end of the period are P/E 8.12x (median 8.26x), P/B 1.11x (median 1x), P/CF 8.79x (median 6.65x). The multiple basket looks neutral against its history, differing from median levels by roughly +11.1%.
The inverse P/E implies an earnings yield of 12.3%. This is not a dividend yield, but current earnings relative to market price.
Capital efficiency is characterized by ROE 13.7%, ROA 1.5%. Profitability remains positive and sufficient for normal operations without indicating exceptional efficiency.
On PEG (0.89x), the market prices growth without an obvious discount or excessive premium.
Financial-company multiples cannot be compared directly with industrial businesses; P/B and sustainable capital returns remain central.
Conclusion
Orrstown Financial Services's profile looks neutral, with price and fundamental efficiency broadly aligned.
Annual Financial Ratios Orrstown Financial Services
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
8.1 | 20.1 | 7.5 | 10.0 | 8.3 | 7.0 | 13.2 | 12.3 | 25.6 | 27.3 | 17.9 | 4.8 | 13.3 | -2.6 | -1.9 | 10.6 | - | - |
P/S |
17.7 | 16.2 | 13.7 | 11.3 | 14.3 | 11.2 | 2.3 | 2.2 | 3.3 | 3.3 | 2.7 | 2.7 | 2.7 | 1.6 | 0.8 | - | - | - |
EPS |
4.2 | 1.5 | 3.5 | 2.1 | 3 | 2.4 | 1.6 | 1.5 | 1 | 0.8 | 1.0 | 3.6 | 1.2 | -4.8 | -4.0 | 2.2 | 2.1 | - |
EV (Enterprise Value) |
5.46 B | 5.12 B | 3 B | 2.85 B | 2.63 B | 2.56 B | 2.33 B | 1.83 B | 1.59 B | 1.46 B | 1.3 B | 1.2 B | 1.22 B | 1.24 B | 1.38 B | 1.53 B | - | - |
EBITDA per Share |
0.8 | 0.66 | 0.42 | 0.44 | 0.48 | 0.6 | - | - | - | - | - | - | - | - | - | 0.38 | - | - |
EV/EBITDA |
357.4 | 528.3 | 691.4 | 617.3 | 493.4 | 3.3 | - | - | - | - | - | - | - | - | - | 522.5 | - | - |
PEG |
0.89 | - | - | - | - | 0.15 | 2.02 | 0.23 | 1.17 | -1.76 | -0.25 | 0.03 | 0.11 | 0.13 | 0.01 | - | - | - |
P/B |
1.1 | 0.9 | 1.0 | 1.0 | 1.0 | 0.7 | 1.0 | 0.9 | 1.4 | 1.3 | 1.1 | 1.1 | 1.5 | 1.1 | 0.5 | 1.1 | - | - |
P/CF |
8.8 | 12.7 | 6.1 | 6.1 | 6.7 | 6.1 | 36.1 | 8.9 | 15.1 | 81.4 | 13.2 | 8.6 | 4.3 | 5.8 | 1.8 | 7.1 | - | - |
ROE % |
13.67 | 4.27 | 13.45 | 9.63 | 12.10 | 10.75 | 7.58 | 7.38 | 5.59 | 4.91 | 5.92 | 22.90 | 10.94 | -43.85 | -24.93 | 10.33 | 12.06 | - |
ROA % |
1.46 | 0.41 | 1.16 | 0.75 | 1.16 | 0.96 | 0.71 | 0.66 | 0.52 | 0.47 | 0.61 | 2.45 | 0.85 | -3.12 | -2.21 | 1.10 | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 0.0 | 0.0 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 1.8 | 0.0 | 1.1 | - | - |
DSO |
10.2 | 9.8 | 12.5 | 12.6 | 13.1 | 15.3 | 22.8 | 29.9 | 29.3 | 30.7 | 26.6 | 21.7 | 25.4 | 19.0 | 21.8 | - | - | - |
Operating Cycle |
10.2 | 9.8 | 12.5 | 12.6 | 13.1 | 15.3 | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
10.2 | 9.8 | 12.5 | 12.6 | 13.1 | 15.3 | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios Orrstown Financial Services
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
1.1 | 1.13 | 1.14 | 1.01 | 0.94 | - | -0.41 | 0.74 | 0.82 | - | 0.87 | 0.95 | 0.88 | - | -0.47 | 0.84 | 0.77 | - | 0.66 | 0.8 | 0.93 | - | 0.45 | 0.58 | 0.46 | - | 0.63 | 0.26 | 0.34 | - | 0.5 | 0.5 | 0.45 | - | 0.34 | 0.41 | 0.25 | - | 0.18 | 0.08 | 0.32 | - | 0.3 | 0.19 | 0.3 | - | 0.64 | 0.35 | 0.24 | - | 0.26 | 0.42 | 0.19 | - | -2.65 | -1.23 | -1.02 | - | 0.54 | -1.33 | 0.48 |
EBITDA per Share |
0.36 | 0.18 | 0.13 | 0.13 | 0.22 | - | 0.13 | 0.02 | 0.1 | - | 0.02 | 0.02 | 0.1 | - | 0.03 | 0.03 | 0.11 | - | 0.37 | 0.03 | 0.12 | - | 0.46 | 0.25 | 0.13 | - | 0.36 | 0.23 | 0.12 | - | 0.32 | 0.21 | 0.11 | - | 0.29 | 0.19 | 0.11 | - | 0.27 | 0.18 | 0.09 | - | 0.27 | 0.18 | 0.09 | - | 0.26 | 0.19 | 0.09 | - | 0.26 | 0.17 | 0.08 | - | 0.24 | 0.16 | 0.08 | - | 0.26 | 0.17 | 0.1 |
ROE % |
14.39 | 14.37 | 9.23 | 8.18 | 7.78 | 4.39 | 8.10 | 13.64 | 14.67 | 11.53 | 9.31 | 9.33 | 8.61 | 4.80 | 7.48 | 13.00 | 13.27 | 9.99 | 12.01 | 11.91 | 10.67 | 6.66 | 9.75 | 8.94 | 7.74 | 5.68 | 8.00 | 7.22 | 8.11 | 6.72 | 8.64 | 8.60 | 7.67 | 5.58 | 6.65 | 5.24 | 4.87 | 3.49 | 5.33 | 5.39 | 6.74 | 4.83 | 8.90 | 9.30 | 9.73 | 7.88 | 10.19 | 9.85 | 9.29 | 7.74 | -16.61 | -30.22 | -43.32 | -45.02 | -41.66 | -25.60 | -11.31 | -1.94 | 3.37 | -8.29 | 2.99 |
ROA % |
1.53 | 1.48 | 0.95 | 0.79 | 0.72 | 0.39 | 0.72 | 1.17 | 0.93 | 0.93 | 0.76 | 0.75 | 0.67 | 0.37 | 0.67 | 0.84 | 1.18 | 0.90 | 1.08 | 1.06 | 0.94 | 0.60 | 0.89 | 0.82 | 0.72 | 0.53 | 0.74 | 0.66 | 0.73 | 0.60 | 0.78 | 0.78 | 0.71 | 0.52 | 0.62 | 0.49 | 0.46 | 0.33 | 0.52 | 0.54 | 0.68 | 0.50 | 0.93 | 0.98 | 1.03 | 0.84 | 1.02 | 0.88 | 0.77 | 0.60 | -1.13 | -2.11 | -3.07 | -3.20 | -2.90 | -1.91 | -0.84 | -0.17 | 0.30 | -0.74 | 0.27 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Orrstown Financial Services, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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