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Orrstown Financial Services Inc (ORRF)
NASDAQ:ORRF
US Market
ORRF
Orrstown Financial Services
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Orrstown Financial Services (ORRF) Ratios

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Orrstown Financial Services Ratios

ORRF's free cash flow for Q4 2025 was $0.72. For the 2025 fiscal year, ORRF's free cash flow was decreased by $ and operating cash flow was $0.30. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 52.80 1.13 0.24 0.23 0.23
Quick Ratio
 52.80 1.13 0.24 0.23 0.23
Cash Ratio
 2.54 0.05 0.05 0.03 0.02
Solvency Ratio
 0.02 0.02 <0.01 0.01 <0.01
Operating Cash Flow Ratio
 3.88 0.08 <0.01 0.02 0.01
Short-Term Operating Cash Flow Coverage
 3.88 3.05 1.35 4.47 2.10
Net Current Asset Value
$ -3.96B$ -3.93B$ -3.83B$ -2.21B$ -2.11B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.06 0.04 0.06 0.05
Debt-to-Equity Ratio
 0.44 0.57 0.41 0.68 0.68
Debt-to-Capital Ratio
 0.30 0.36 0.29 0.40 0.40
Long-Term Debt-to-Capital Ratio
 0.29 0.35 0.26 0.39 0.38
Financial Leverage Ratio
 9.25 9.37 10.53 11.56 12.77
Debt Service Coverage Ratio
 0.78 0.74 0.27 0.73 1.01
Interest Coverage Ratio
 1.05 0.99 0.30 1.00 2.95
Debt to Market Cap
 0.37 0.57 0.39 0.59 0.64
Interest Debt Per Share
 18.98 26.46 20.57 21.70 15.58
Net Debt to EBITDA
 1.83 2.52 -1.04 2.31 3.03
Profitability Margins
Gross Profit Margin
71.06%70.64%61.20%73.22%90.16%
EBIT Margin
30.07%29.03%9.79%25.84%19.82%
EBITDA Margin
32.79%32.97%13.20%28.33%23.26%
Operating Profit Margin
30.07%29.03%9.79%25.84%19.82%
Pretax Profit Margin
30.05%29.00%9.79%25.84%19.82%
Net Profit Margin
23.68%22.85%7.76%20.46%16.41%
Continuous Operations Profit Margin
23.68%22.85%7.76%20.46%16.41%
Net Income Per EBT
78.80%78.78%79.30%79.19%82.80%
EBT Per EBIT
99.93%99.93%100.00%100.00%100.00%
Return on Assets (ROA)
1.52%1.46%0.41%1.16%0.75%
Return on Equity (ROE)
14.62%13.67%4.27%13.45%9.63%
Return on Capital Employed (ROCE)
1.93%2.21%3.51%9.09%6.21%
Return on Invested Capital (ROIC)
7.02%23.93%2.69%7.06%4.94%
Return on Tangible Assets
1.55%1.49%0.41%1.17%0.76%
Earnings Yield
12.02%13.72%4.08%11.69%9.02%
Efficiency Ratios
Receivables Turnover
 16.87 16.48 13.49 12.79 12.18
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 7.07 6.93 5.66 5.93 4.58
Asset Turnover
 0.06 0.06 0.05 0.06 0.05
Working Capital Turnover Ratio
 0.64 -0.21 -0.10 -0.09 -0.07
Cash Conversion Cycle
 21.63 22.15 27.06 28.54 29.96
Days of Sales Outstanding
 21.63 22.15 27.06 28.54 29.96
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 21.63 22.15 27.06 28.54 29.96
Cash Flow Ratios
Operating Cash Flow Per Share
 3.88 4.49 2.37 4.23 3.43
Free Cash Flow Per Share
 3.66 4.24 2.26 4.00 3.34
CapEx Per Share
 0.22 0.25 0.11 0.22 0.08
Free Cash Flow to Operating Cash Flow
 0.94 0.94 0.95 0.95 0.98
Dividend Paid and CapEx Coverage Ratio
 3.00 3.00 2.37 4.05 3.95
Capital Expenditure Coverage Ratio
 17.65 17.65 22.10 19.06 40.44
Operating Cash Flow Coverage Ratio
 0.28 0.22 0.17 0.24 0.23
Operating Cash Flow to Sales Ratio
 0.21 0.21 0.12 0.25 0.27
Free Cash Flow Yield
9.84%11.96%6.18%13.58%14.44%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.37 7.29 24.51 8.55 11.09
Price-to-Sales (P/S) Ratio
 2.02 1.67 1.90 1.75 1.82
Price-to-Book (P/B) Ratio
 1.17 1.00 1.05 1.15 1.07
Price-to-Free Cash Flow (P/FCF) Ratio
 10.22 8.36 16.19 7.37 6.92
Price-to-Operating Cash Flow Ratio
 9.48 7.89 15.46 6.98 6.75
Price-to-Earnings Growth (PEG) Ratio
 0.06 0.04 -0.43 0.13 -0.37
Price-to-Fair Value
 1.17 1.00 1.05 1.15 1.07
Enterprise Value Multiple
 7.98 7.57 13.37 8.49 10.85
Enterprise Value
 930.93M 883.71M 501.43M 419.25M 339.00M
EV to EBITDA
 7.94 7.57 13.37 8.49 10.85
EV to Sales
 2.61 2.50 1.77 2.41 2.52
EV to Free Cash Flow
 13.20 12.54 15.02 10.12 9.60
EV to Operating Cash Flow
 12.46 11.82 14.34 9.59 9.37
Tangible Book Value Per Share
 25.82 29.07 27.15 23.59 19.62
Shareholders’ Equity Per Share
 31.30 35.55 35.00 25.63 21.69
Tax and Other Ratios
Effective Tax Rate
 0.21 0.21 0.21 0.21 0.17
Revenue Per Share
 18.54 21.26 19.25 16.86 12.73
Net Income Per Share
 4.39 4.86 1.49 3.45 2.09
Tax Burden
 0.79 0.79 0.79 0.79 0.83
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
 0.26 0.26 0.29 0.31 0.37
Stock-Based Compensation to Revenue
 <0.01 <0.01 0.03 0.01 0.02
Income Quality
 0.92 0.92 1.59 1.23 1.64
Currency in USD