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Orrstown

NAQ:ORRF · US6873801053
BanksSmall

360

84
Profit price95
Cash yield75
Price/Sales16
EV / Gross Profit50
Price/Book54
Returns on capital90
Profit margins—
Cash Conversion42
Accruals29
Owner Earnings Margin88
Sales growth1
Profit Growth39
Owner Earnings Growth94
Reinvestment45
Price momentum53
Debt load32
Debt serviceability34
Liquidity11
Analyst ratings73
Opinion Changes94
Price Target Upside61
Market mood57
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Orrstown generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded1987
Websiteinvestors.orrstown.com
ISINUS6873801053
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

Orrstown Financial Services, Inc. operates as the bank holding company for Orrstown Bank, which provides banking and financial advisory services located in south central Pennsylvania, principally in Berks, Cumberland, Dauphin, Franklin, Lancaster, Pe…

Analysis

Quality compounder

Orrstown Financial Services, Inc. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 7.9×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is stretched. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
27
2023202420252026

All-time high

98

Feb 2024

All-time low

16

Mar 2026

Average rank

71

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
16
58
91
71
Price/Earnings
82
94
48
83
Price/Book
54
43
30
79
Dividend Yield
75
55
31
53
Value (overall)
50
67
24
85

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →