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STOCKS

Orrstown Financial Services Inc (ORRF)

NASDAQ:ORRF

ORRF

Orrstown Financial Services

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Orrstown Financial Services (ORRF) Ratios

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157 Followers

Orrstown Financial Services Ratios

ORRF's free cash flow for Q3 2025 was $0.70. For the 2025 fiscal year, ORRF's free cash flow was decreased by $ and operating cash flow was $0.31. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	1.13	0.24	0.23	9.47	16.89
Quick Ratio	1.13	0.24	0.23	10.63	22.20
Cash Ratio	0.05	0.05	0.03	0.98	5.11
Solvency Ratio	0.02	<0.01	0.01	<0.01	0.01
Operating Cash Flow Ratio	0.07	<0.01	0.02	0.59	1.00
Short-Term Operating Cash Flow Coverage	2.71	1.35	4.47	0.00	0.00
Net Current Asset Value	$ -3.93B	$ -3.83B	$ -2.21B	$ -2.11B	$ -1.87B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.04	0.06	0.05	0.01
Debt-to-Equity Ratio	0.57	0.41	0.68	0.60	0.12
Debt-to-Capital Ratio	0.36	0.29	0.40	0.38	0.11
Long-Term Debt-to-Capital Ratio	0.35	0.26	0.39	0.38	0.11
Financial Leverage Ratio	9.37	10.53	11.56	12.77	10.43
Debt Service Coverage Ratio	0.74	0.27	0.73	10.62	11.53
Interest Coverage Ratio	0.99	0.30	1.00	4.34	6.08
Debt to Market Cap	0.48	0.39	0.59	0.57	0.12
Interest Debt Per Share	26.46	20.57	21.70	13.95	3.70
Net Debt to EBITDA	2.52	-1.04	2.31	0.77	-2.05
Profitability Margins
Gross Profit Margin	70.64%	61.20%	73.22%	-362.55%	94.82%
EBIT Margin	29.03%	9.79%	25.84%	2068.07%	35.22%
EBITDA Margin	32.97%	13.20%	28.33%	7803.96%	73.62%
Operating Profit Margin	29.03%	9.79%	25.84%	3042.35%	35.22%
Pretax Profit Margin	29.00%	9.79%	25.84%	2068.07%	35.22%
Net Profit Margin	22.85%	7.76%	20.46%	1712.28%	28.31%
Continuous Operations Profit Margin	22.85%	7.76%	20.46%	1712.28%	28.31%
Net Income Per EBT	78.78%	79.30%	79.19%	82.80%	80.40%
EBT Per EBIT	99.93%	100.00%	100.00%	67.98%	100.00%
Return on Assets (ROA)	1.46%	0.41%	1.16%	0.75%	1.16%
Return on Equity (ROE)	14.41%	4.27%	13.45%	9.63%	12.10%
Return on Capital Employed (ROCE)	2.21%	3.51%	9.09%	1.37%	1.46%
Return on Invested Capital (ROIC)	23.93%	2.69%	7.06%	2.98%	2.79%
Return on Tangible Assets	1.49%	0.41%	1.17%	0.76%	1.17%
Earnings Yield	13.49%	4.08%	11.69%	9.02%	11.90%
Efficiency Ratios
Receivables Turnover	16.48	13.49	12.79	0.12	14.10
Payables Turnover	0.00	0.00	0.00	0.10	0.15
Inventory Turnover	0.00	0.00	0.00	-0.08	-0.03
Fixed Asset Turnover	6.93	5.66	5.93	0.04	3.41
Asset Turnover	0.06	0.05	0.06	<0.01	0.04
Working Capital Turnover Ratio	-0.20	-0.10	-0.09	<0.01	0.19
Cash Conversion Cycle	22.15	27.06	28.54	-5.07K	-15.60K
Days of Sales Outstanding	22.15	27.06	28.54	3.13K	25.88
Days of Inventory Outstanding	0.00	0.00	0.00	-4.41K	-13.15K
Days of Payables Outstanding	0.00	0.00	0.00	3.79K	2.47K
Operating Cycle	22.15	27.06	28.54	-1.28K	-13.13K
Cash Flow Ratios
Operating Cash Flow Per Share	4.00	2.37	4.23	3.43	3.72
Free Cash Flow Per Share	3.72	2.26	4.00	3.34	3.61
CapEx Per Share	0.28	0.11	0.22	0.08	0.11
Free Cash Flow to Operating Cash Flow	0.93	0.95	0.95	0.98	0.97
Dividend Paid and CapEx Coverage Ratio	2.71	2.37	4.05	3.95	4.28
Capital Expenditure Coverage Ratio	14.08	22.10	19.06	40.44	32.54
Operating Cash Flow Coverage Ratio	0.20	0.17	0.24	0.26	1.21
Operating Cash Flow to Sales Ratio	0.19	0.12	0.25	28.12	0.35
Free Cash Flow Yield	8.81%	6.18%	13.58%	14.44%	14.31%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	7.41	24.51	8.55	11.09	8.41
Price-to-Sales (P/S) Ratio	1.98	1.90	1.75	189.90	2.38
Price-to-Book (P/B) Ratio	1.01	1.05	1.15	1.07	1.02
Price-to-Free Cash Flow (P/FCF) Ratio	11.35	16.19	7.37	6.92	6.99
Price-to-Operating Cash Flow Ratio	9.00	15.46	6.98	6.75	6.77
Price-to-Earnings Growth (PEG) Ratio	0.50	-0.43	0.13	-0.37	0.35
Price-to-Fair Value	1.01	1.05	1.15	1.07	1.02
Enterprise Value Multiple	8.54	13.37	8.49	3.20	1.19
Enterprise Value	996.63M	501.43M	419.25M	321.75M	101.52M
EV to EBITDA	8.54	13.37	8.49	3.20	1.19
EV to Sales	2.82	1.77	2.41	250.00	0.87
EV to Free Cash Flow	16.11	15.02	10.12	9.12	2.57
EV to Operating Cash Flow	14.96	14.34	9.59	8.89	2.49
Tangible Book Value Per Share	29.07	27.15	23.59	19.62	22.68
Shareholders’ Equity Per Share	35.55	35.00	25.63	21.69	24.77
Tax and Other Ratios
Effective Tax Rate	0.21	0.21	0.21	0.17	0.20
Revenue Per Share	21.26	19.25	16.86	0.12	10.59
Net Income Per Share	4.86	1.49	3.45	2.09	3.00
Tax Burden	0.79	0.79	0.79	0.83	0.80
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.25	0.28	0.31	38.14	0.42
Stock-Based Compensation to Revenue	0.01	0.03	0.01	1.67	0.02
Income Quality	0.91	1.59	1.23	1.64	1.24

Currency in USD