Orrstown Financial Services, Inc.

ORRF

$42.92

+1.08%

2026-09-04 11:51:56 EDT+$0.46

Financial Services

Banks - Regional

NASDAQ

Active Trading

Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions ...

Key Metrics of ORRF

Snapshot

Latest / TTM · 6 periods

Market Cap

$843.56M

ROCE

15.1%

EV / EBITDA

9.12x

+12.9% YoY

FCF Yield

10.2%

-1.8% YoY

Cash Conversion Cycle

20.1d

Current Ratio

0.21

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Key Metrics

Latest / TTM · 6 periods

Valuation trend

Valuation trend table

Metric	2021	2022	2023	2024	2025	TTM
Market CapTotal market value of all shares outstanding.	$276.37M	$244.41M	$305.03M	$540.40M	$589.42M	$843.56M
Enterprise ValueCompany value including debt and cash adjustments.	$124.82M	$339.00M	$419.25M	$501.43M	$883.71M	$1.07B
EV / SalesHow many dollars investors pay per dollar of sales.	1.03x	2.52x	2.41x	1.77x	2.50x	2.98x
EV / EBITDAValuation multiple versus operating earnings before non-cash charges.	2.70x	10.85x	8.49x	13.37x	7.57x	9.12x
Net Debt / EBITDALeverage ratio using net debt divided by EBITDA.	-3.28	3.03	2.31	-1.04	2.52	1.91

Returns + ROCE gauge

ROCE latest

15.1%

Prev year 2.2%

Returns + ROCE gauge table

Metric	2021	2022	2023	2024	2025	TTM
ROEProfit generated from shareholders' equity.	12.1%	9.6%	13.5%	4.3%	13.7%	14.5%
ROAProfit generated from total assets.	1.2%	0.8%	1.2%	0.4%	1.5%	1.5%
ROICReturn generated on invested operating capital.	-1.9%	-1.2%	-1.9%	-0.7%	28.9%	-2.3%
ROCEOperating return on long-term capital used.	11.8%	6.2%	9.1%	3.5%	2.2%	15.1%
Earnings YieldEarnings as a percentage of market value.	11.9%	9.0%	11.7%	4.1%	13.7%	10.4%

Cash flow quality

Cash flow quality table

Metric	2021	2022	2023	2024	2025	TTM
FCFFCash flow available to all capital providers.	$44.96M	$42.77M	$77.04M	$107.66M	$152.38M	$169.57M
FCFECash flow available to equity holders after debt flows.	$-12.76M	$133.49M	$65.30M	$19.01M	$196.08M	$202.71M
FCF YieldFree cash flow divided by market capitalization.	14.3%	14.4%	13.6%	6.2%	12.0%	10.2%
Income QualityHow well accounting earnings are backed by cash flow.	1.24	1.64	1.23	1.59	0.92	1.02
Capex / OCFShare of operating cash flow spent on capital expenditures.	3.1%	2.5%	5.2%	4.5%	5.7%	2.4%

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	TTM
DSOAverage days to collect cash from customers.	24.7d	30.0d	28.5d	27.1d	22.1d	20.1d
DIOAverage days inventory stays before being sold.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
DPOAverage days the company takes to pay suppliers.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
Operating CycleTime from buying inventory to collecting receivables.	24.7d	30.0d	28.5d	27.1d	22.1d	20.1d
Cash Conversion CycleNet days cash is tied in operations.	24.7d	30.0d	28.5d	27.1d	22.1d	20.1d

Snapshot

Latest / TTM: —

Market Cap

$843.56M

ROE

14.5%

FCF Yield

10.2%

Current Ratio

0.21

Upstream

Jack Henry & Associates, Inc.NASDAQ:JKHY Visa Inc.NYSE:V Mastercard IncorporatedNYSE:MAFederal Reserve Bank SystemFidelity National Information Services (FIS)NYSE:FIS Microsoft CorporationNASDAQ:MSFTPlanet TechnologiesPlus/Cirrus (Mastercard Networks)NYSE:MA

Downstream

Codorus Valley Bancorp, Inc. (PeoplesBank)Commercial Borrowers (Central PA/MD businesses)Retail Depositors and ConsumersGovernment and Non-Profit EntitiesWealth Management ClientsSmall Business Owners

Proxies

Codorus Valley Bancorp, Inc.Delisted (formerly NASDAQ:CVLY)Fidelity National Information ServicesNYSE:FIS Jack Henry & AssociatesNASDAQ:JKHY

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Orrstown Financial Services, Inc.

Key Metrics of ORRF

Key Metrics

Valuation trend

Returns + ROCE gauge

Cash flow quality

Operating efficiency

Snapshot

Supply Chain of ORRF

Upstream

Downstream

Proxies

Key Metrics of ORRF

Key Metrics

Valuation trend

Returns + ROCE gauge

Cash flow quality

Operating efficiency

Snapshot

Supply Chain of ORRF

Upstream

Downstream

Proxies