Orrstown Financial Services Inc (ORRF): Price and Financial Metrics

ORRF POWR Grades

• Stability is the dimension where ORRF ranks best; there it ranks ahead of 96.35% of US stocks.
• ORRF's strongest trending metric is Momentum; it's been moving up over the last 50 weeks.
• ORRF's current lowest rank is in the Growth metric (where it is better than 13.8% of US stocks).

ORRF Stock Summary

• ORRF's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 93.56% of US stocks.
• With a year-over-year growth in debt of -73.55%, Orrstown Financial Services Inc's debt growth rate surpasses merely 4.61% of about US stocks.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for ORRF comes in at 64.52% -- higher than that of 96.96% of stocks in our set.
• Stocks that are quantitatively similar to ORRF, based on their financial statements, market capitalization, and price volatility, are TMP, ESSA, PRK, EBTC, and SAFT.
• Visit ORRF's SEC page to see the company's official filings. To visit the company's web site, go to www.orrstown.com.

ORRF Valuation Summary

• ORRF's EV/EBIT ratio is 0.9; this is 89.53% lower than that of the median Financial Services stock.
• ORRF's EV/EBIT ratio has moved down 20.5 over the prior 243 months.
• ORRF's price/earnings ratio has moved down 14.3 over the prior 243 months.

Below are key valuation metrics over time for ORRF.

ORRF Growth Metrics

• The year over year cash and equivalents growth rate now stands at 470.99%.
• The 5 year revenue growth rate now stands at 88.18%.
• The 5 year cash and equivalents growth rate now stands at 101.61%.

ORRF's revenue has moved up $57,811,000 over the prior 52 months.

The table below shows ORRF's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-09-30	116.855	44.048	36.234
2021-06-30	114.428	43.148	34.019
2021-03-31	112.579	42.373	31.602
2020-12-31	106.591	30.171	26.463
2020-09-30	100.888	21.973	20.638
2020-06-30	101.811	10.183	22.562

ORRF's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• ORRF has a Quality Grade of C, ranking ahead of 45.53% of graded US stocks.
• ORRF's asset turnover comes in at 0.04 -- ranking 175th of 430 Banking stocks.
• FMNB, TCBK, and TREE are the stocks whose asset turnover ratios are most correlated with ORRF.

The table below shows ORRF's key quality metrics over time.