Orrstown Financial Valuation
| ORRF Stock | USD 36.02 0.61 1.72% |
At this time, the company appears to be undervalued. Orrstown Financial holds a recent Real Value of $38.31 per share. The prevailing price of the company is $36.02. Our model determines the value of Orrstown Financial from analyzing the company fundamentals such as Return On Equity of 0.15, shares outstanding of 19.51 M, and Operating Margin of 0.47 % as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Orrstown Financial's valuation include:
Undervalued
Today
Please note that Orrstown Financial's price fluctuation is very steady at this time. Calculation of the real value of Orrstown Financial is based on 3 months time horizon. Increasing Orrstown Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Orrstown stock is determined by what a typical buyer is willing to pay for full or partial control of Orrstown Financial Services. Since Orrstown Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Orrstown Stock. However, Orrstown Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 36.02 | Real 38.31 | Target 40.8 | Hype 36.04 | Naive 35.01 |
The real value of Orrstown Stock, also known as its intrinsic value, is the underlying worth of Orrstown Financial Company, which is reflected in its stock price. It is based on Orrstown Financial's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Orrstown Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Orrstown Financial Services helps investors to forecast how Orrstown stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Orrstown Financial more accurately as focusing exclusively on Orrstown Financial's fundamentals will not take into account other important factors: When choosing an evaluation method for Orrstown Financial, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
Orrstown Financial Cash |
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Orrstown Revenue by Product
Orrstown Financial Total Value Analysis
Orrstown Financial Services is now projected to have valuation of 877.34 M with market capitalization of 693.09 M, debt of 336.37 M, and cash on hands of 66.93 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Orrstown Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
877.34 M | 693.09 M | 336.37 M | 66.93 M |
Orrstown Financial Investor Information
About 59.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.17. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Orrstown Financial last dividend was issued on the 10th of February 2026. The entity had 105:100 split on the 23rd of May 2007. Orrstown Financial Services may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Total Cash From Operating Activities | 42.2 M | 40.2 M |
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Orrstown Financial Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Orrstown Financial has an asset utilization ratio of 6.38 percent. This implies that the Company is making $0.0638 for each dollar of assets. An increasing asset utilization means that Orrstown Financial Services is more efficient with each dollar of assets it utilizes for everyday operations.Orrstown Financial Profitability Analysis
Taking into consideration Orrstown Financial's profitability measurements, Orrstown Financial Services may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess Orrstown Financial's ability to earn profits and add value for shareholders.Net Income | First Reported 1999-03-31 | Previous Quarter 21.9 M | Current Value 21.5 M | Quarterly Volatility 6.5 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.51 | 0.7064 |
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For Orrstown Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Orrstown Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Orrstown Financial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Orrstown Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Orrstown Financial over time as well as its relative position and ranking within its peers.
Orrstown Financial Earnings per Share Projection vs Actual
The next projected EPS of Orrstown Financial is estimated to be 1.02 with future projections ranging from a low of 0.98 to a high of 1.03. Orrstown Financial's most recent 12-month trailing earnings per share (EPS TTM) is at 4.18. Please be aware that the consensus of earnings estimates for Orrstown Financial Services is based on EPS before non-recurring items and includes expenses related to employee stock options.Orrstown Financial Earnings Estimation Breakdown
The calculation of Orrstown Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Orrstown Financial is estimated to be 1.02 with the future projection ranging from a low of 0.98 to a high of 1.03. Please be aware that this consensus of annual earnings estimates for Orrstown Financial Services is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.98 Lowest | Expected EPS | 1.03 Highest |
Orrstown Financial Earnings Projection Consensus
Suppose the current estimates of Orrstown Financial's value are higher than the current market price of the Orrstown Financial stock. In this case, investors may conclude that Orrstown Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Orrstown Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 5 | 89.3% | 1.11 | 1.02 | 4.18 |
Orrstown Financial Ownership Allocation
Orrstown Financial owns a total of 19.51 Million outstanding shares. Over half of Orrstown Financial's outstanding shares are owned by third-party entities. These third-party entities are typically referred to as corporate investors that secure positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company maintains, if the real value of the company is less than the current market value, you may not be able to make money on it.Orrstown Financial Profitability Analysis
The company reported the previous year's revenue of 353.86 M. Net Income was 22.05 M with profit before overhead, payroll, taxes, and interest of 252.08 M.Orrstown Financial Past Distributions to stockholders
| 12th of November 2025 | ||
| 12th of August 2025 | ||
| 13th of May 2025 | ||
| 21st of February 2025 | ||
| 12th of November 2024 | ||
| 15th of August 2024 | ||
| 8th of August 2024 | ||
| 14th of May 2024 | ||
| 13th of February 2024 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Orrstown Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Orrstown Financial and how it compares across the competition.
About Orrstown Financial Valuation
The stock valuation mechanism determines Orrstown Financial's current worth on a weekly basis. Our valuation model uses a comparative analysis of Orrstown Financial. We calculate exposure to Orrstown Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Orrstown Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 250 M | 262.5 M | |
| Pretax Profit Margin | 0.29 | 0.25 | |
| Operating Profit Margin | 0.29 | 0.25 | |
| Net Profit Margin | 0.23 | 0.20 | |
| Gross Profit Margin | 0.71 | 0.51 |
A single share of Orrstown Financial represents a small ownership stake in the entity. As a stockholder of Orrstown, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Orrstown Financial Dividends Analysis For Valuation
At this time, Orrstown Financial's Dividend Payout Ratio is most likely to increase slightly in the upcoming years. The Orrstown Financial's current Dividend Paid And Capex Coverage Ratio is estimated to increase to 2.97, while Dividends Paid is forecasted to increase to (11.3 M). . At this time, Orrstown Financial's Earnings Yield is most likely to increase slightly in the upcoming years.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -11.9 M | -11.3 M | |
| Dividend Yield | 0.03 | 0.02 | |
| Dividend Payout Ratio | 0.22 | 0.26 | |
| Dividend Paid And Capex Coverage Ratio | 2.13 | 2.97 |
There are various types of dividends Orrstown Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Orrstown shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Orrstown Financial Services directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Orrstown pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Orrstown Financial by the value of the dividends paid out.
Orrstown Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Orrstown Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 16.8 M | |
| Quarterly Earnings Growth Y O Y | 0.559 | |
| Forward Price Earnings | 8.8889 |
Orrstown Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of Orrstown Financial Services and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Orrstown we look at many different elements of the entity such as Orrstown's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Orrstown Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Orrstown Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Orrstown Financial's worth.Complementary Tools for Orrstown Stock analysis
When running Orrstown Financial's price analysis, check to measure Orrstown Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Orrstown Financial is operating at the current time. Most of Orrstown Financial's value examination focuses on studying past and present price action to predict the probability of Orrstown Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Orrstown Financial's price. Additionally, you may evaluate how the addition of Orrstown Financial to your portfolios can decrease your overall portfolio volatility.
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