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ORRSTOWN FINANCIAL SERVICES INC ORRF

Nasdaq · stock · State Commercial Banks · website · IPO 1998-07-10 · LEI

ORRSTOWN FINANCIAL SERVICES INC statistics & valuation

Market cap$810.1M
P / E10.0×
P / S21.8×
P / B1.4×
P / FCF11.5×
Dividend yield2.55%
Net margin217.7%
Return on equity13.7%
FCF margin189.8%
Graham number +23.6%$53.40

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($53.40); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
85.30% 94.30% 160.60% 173.70% 113.20% 183.10% 80.70% 217.70% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
4.90% 5.60% 7.40% 7.60% 10.70% 12.10% 9.60% 13.50% 4.30% 13.70% 2016201720182019202020212022202320242025
Shares outstanding
16.6M 16.7M 18.9M 22.4M 22.4M 22.4M 21.4M 21.2M 19.4M 19.5M 2016201720182019202020212022202320242025
Net debt ($)
$24.2M $83.8M $83.5M $63.1M $2.3M $1.9M $1.5M $40.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.50% 0.50% 0.70% 0.70% 1.00% 1.20% 0.80% 1.20% 0.40% 1.50% 2016201720182019202020212022202320242025
Free cash flow margin (%)
117.90% 34.40% 175.20% 208.90% 181.30% 212.60% 122.20% 189.80% 2016201720182019202020212022202320242025
Debt / equity (×)
0.18× 0.58× 0.48× 0.28× 0.01× 0.01× 0.01× 0.15× 2016201720182019202020212022202320242025
EPS ($)
$0.41 $0.49 $0.75 $0.81 $1.20 $1.48 $1.03 $1.71 $1.48 $4.18 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

ORRSTOWN FINANCIAL SERVICES INC trades at about 10.3× earnings — below its 10-year norm (10-year range 8.6×–54.2×, median 24.6×).

8.6× 54.2×

Shaded band = 10-year range (8.6×–54.2×); dot = today's 10.3×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin217.7%80.7%183.1%113.2%173.7%160.6%94.3%85.3%——
FCF margin189.8%122.2%212.6%181.3%208.9%175.2%34.4%117.9%——
Return on assets1.5%0.4%1.2%0.8%1.2%1.0%0.7%0.7%0.5%0.5%
Return on equity13.7%4.3%13.5%9.6%12.1%10.7%7.6%7.4%5.6%4.9%
Debt / equity——0.15×0.01×0.01×0.01×0.28×0.48×0.58×0.18×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.