Stock ORRF ORRSTOWN FINANCIAL SERVICES, INC.
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Financials Orrstown Financial Services, Inc.

Equities

ORRF

US6873801053

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-07-02 pm EDT 		5-day change 1st Jan Change
27.91 USD -2.65% Intraday chart for Orrstown Financial Services, Inc. +9.58% -5.39%
Jul. 01 Orrstown Financial Services Completes Merger With Codorus Valley Bancorp MT
Jul. 01 Orrstown Financial Services, Inc. completed the acquisition of Codorus Valley Bancorp, Inc. in a merger to equals transaction. CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 253.1 185.4 282.4 247.3 313.1 537.4 -
Enterprise Value (EV) 1 253.1 185.4 282.4 247.3 313.1 537.4 537.4
P/E ratio 14 x 6.9 x 8.51 x 11.2 x 8.63 x 15 x 6.89 x
Yield 2.65% 4.11% 2.94% 3.28% 2.71% 2.9% 2.94%
Capitalization / Revenue 3.65 x 2.22 x 3.25 x 2.45 x 2.94 x 3.39 x 2.49 x
EV / Revenue 3.65 x 2.22 x 3.25 x 2.45 x 2.94 x 3.39 x 2.49 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.13 x 0.75 x 1.04 x 1.08 x 1.18 x 1.1 x 0.97 x
Nbr of stocks (in thousands) 11,190 11,204 11,206 10,678 10,612 19,253 -
Reference price 2 22.62 16.55 25.20 23.16 29.50 27.91 27.91
Announcement Date 1/21/20 1/20/21 1/19/22 1/24/23 1/23/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 69.3 83.61 86.97 101 106.3 158.3 216.2
EBITDA - - - - - - -
EBIT 1 23.69 37.84 41.98 48.3 48.15 71.97 113.6
Operating Margin 34.19% 45.25% 48.27% 47.82% 45.28% 45.46% 52.55%
Earnings before Tax (EBT) 1 19.63 32.51 40.9 26.62 45.03 54.96 100.1
Net income 1 16.92 26.46 32.88 22.04 35.66 23.25 77.15
Net margin 24.42% 31.65% 37.81% 21.82% 33.54% 14.68% 35.69%
EPS 2 1.610 2.400 2.960 2.060 3.420 1.865 4.052
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.6000 0.6800 0.7400 0.7600 0.8000 0.8100 0.8200
Announcement Date 1/21/20 1/20/21 1/19/22 1/24/23 1/23/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 22.6 22.57 24.12 25.46 27.86 26.62 26.73 26.22 26.4 27.26 27.19 49.08 53.25 52.41 53.77
EBITDA - - - - - - - - - - - - - - -
EBIT 1 9.601 10.68 12.52 8.101 12.85 12.45 13.14 11.7 10.49 12.1 11.06 21.78 27.04 26.79 28.33
Operating Margin 42.49% 47.33% 51.9% 31.82% 46.12% 46.75% 49.16% 44.61% 39.76% 44.37% 40.68% 44.37% 50.77% 51.11% 52.69%
Earnings before Tax (EBT) 1 8.501 10.38 10.74 6.601 11.89 11.39 12.38 11.56 9.699 10.74 9.961 8.555 25.05 23.59 24.93
Net income 1 6.706 8.368 8.871 5.442 9.626 9.156 9.838 9.026 7.643 8.531 7.651 -6.9 16.23 18.17 19.21
Net margin 29.68% 37.07% 36.78% 21.38% 34.55% 34.39% 36.8% 34.43% 28.96% 31.29% 28.14% -14.06% 30.48% 34.66% 35.72%
EPS 2 0.6000 0.7600 0.8300 0.5200 0.9100 0.8700 0.9400 0.8700 0.7300 0.8100 0.7300 -0.4100 0.8550 0.9550 1.010
Dividend per Share 2 0.1900 0.1900 0.1900 0.1900 0.1900 0.2000 0.2000 0.2000 0.2000 0.2000 0.2025 0.2025 0.2025 0.2050 0.2050
Announcement Date 1/19/22 4/19/22 7/19/22 10/18/22 1/24/23 4/25/23 7/25/23 10/24/23 1/23/24 4/23/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 8.21% 11.7% 12.5% 14.3% 15.1% 14.5% 14.5%
ROA (Net income/ Total Assets) 0.76% 1% 1.14% 1.22% 1.22% 1.21% 1.39%
Assets 1 2,227 2,646 2,884 1,806 2,923 1,925 5,540
Book Value Per Share 2 19.90 22.00 24.30 21.50 25.00 25.40 28.60
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/21/20 1/20/21 1/19/22 1/24/23 1/23/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Orrstown Financial Services, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
27.91 USD
Average target price
31.5 USD
Spread / Average Target
+12.86%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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