USD 40.45
↓ -0.2 (-0.49%)
| ticker | 1 day return % | 1 week return % | 1 month return % | 3 months return % | 6 months return % | 1 year return % | 3 years return % | 5 years return % | 10 years return % | maximum return % |
|---|---|---|---|---|---|---|---|---|---|---|
| ORRF | -0.5 | -1.0 | 8.0 | 20.9 | 50.8 | 74.1 | 63.4 | 86.3 | 140.8 | 284.5 |
| S&P 500 | -1.3 | -2.3 | 0.5 | 5.7 | 10.8 | 30.2 | 24.9 | 88.0 | 187.6 | 33142.5 |
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| Attribute | Value |
|---|---|
| symbol | ORRF |
| name | Orrstown Financial Services, Inc. |
| price | 40.45 |
| changes percentage | -0.49 |
| change | -0.20 |
| day low | 40.25 |
| day high | 41.02 |
| year high | 41.99 |
| year low | 22.86 |
| market cap | 784163700 |
| price avg 50 | 36.66 |
| price avg 200 | 30.23 |
| exchange | NASDAQ |
| volume | 102445 |
| avg volume | 94106 |
| open | 40.90 |
| previous close | 40.65 |
| eps | 1.36 |
| pe | 29.74 |
| earnings announcement | 2025-01-28T05:00:00.000+0000 |
| shares outstanding | 19386000 |
| timestamp | 2024-11-15 21:00:00 |
We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0000826154 | |||
| revenue | 128876000 | 1287000 | 9,913.68 |
| gross profit | 169908000 | -4666000 | 3,741.41 |
| gross profit ratio | 1.32 | -3.63 | 136.36 |
| research and development expenses | 0 | 0 | NaN |
| operating expenses | 2157000 | 2264000 | -4.73 |
| interest income | 149897000 | 108654000 | 37.96 |
| interest expense | 44991000 | 9024000 | 398.57 |
| ebitda | 0 | 100437000 | -100.00 |
| ebitdaratio | 0 | 31.28 | -100.00 |
| operating income | 141637000 | 39155000 | 261.73 |
| operating income ratio | 1.1 | 30.42 | -96.39 |
| net income | 35663000 | 22037000 | 61.83 |
| net income ratio | 0.28 | 17.12 | -98.38 |
| eps | 3.45 | 2.09 | 65.07 |
Revenue Growth: revenue increased to 129 million in 2023 from 1 million in 2022 representing a change of 9913.68%. This indicates a sales growth, which is a positive sign for the company.
Gross Profit: Gross Profit increased to 170 million in 2023 from -5 million in 2022 representing a change of 3741.41%. This indicates a sales profitability growth, which is a positive sign for the company.
Operating Expenses: Operating Expenses decreased to 2 million in 2023 from 2 million in 2022 representing a change of -4.73%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.
Net Income: Net income increased to 36 million in 2023 from 22 million in 2022 representing a change of 61.83%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to 3.45 in 2023 from 3.45 in 2022 representing a change of 65.07%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to 0 million in 2023 from 100 million in 2022 representing a change of -100.0%. The decrease in EBITDA indicates declined operational efficiency and profitability.
Operating Income: Operating income decreased to 142 million in 2023 from 39 million in 2022 representing a change of 261.73%. The decrease in operating income indicates worse operational performance and decreased profitability.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0000826154 | |||
| revenue | 95373000 | 50433000 | 89.11 |
| gross profit | 95373000 | 50453000 | 89.03 |
| gross profit ratio | 1 | 1.0 | -0.04 |
| research and development expenses | 0 | 0 | NaN |
| operating expenses | 11039000 | 5536000 | 99.40 |
| interest income | 0 | 43281000 | -100.00 |
| interest expense | 2591000 | 17178000 | -84.92 |
| ebitda | -7433000 | 10888000 | -168.27 |
| ebitdaratio | -0.08 | -0.04 | -122.19 |
| operating income | 7337000 | 11593000 | -36.71 |
| operating income ratio | 0.08 | 0.23 | -66.53 |
| net income | -7903000 | 7738000 | -202.13 |
| net income ratio | -0.08 | 0.15 | -154.01 |
| eps | -0.41 | 0.74 | -155.41 |
Revenue Growth: revenue increased to 95 million in 2024Q3 from 50 million in 2024Q2 representing a change of 89.11%. This indicates a sales growth, which is a positive sign for the company.
Gross Profit: Gross Profit increased to 95 million in 2024Q3 from 50 million in 2024Q2 representing a change of 89.03%. This indicates a sales profitability growth, which is a positive sign for the company.
Operating Expenses: Operating Expenses decreased to 11 million in 2024Q3 from 6 million in 2024Q2 representing a change of 99.4%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.
Operating Income: Operating income increased to 7 million in 2024Q3 from 12 million in 2024Q2 representing a change of -36.71%. The increase in operating income indicates better operational performance and increased profitability.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to -7 million in 2024Q3 from 11 million in 2024Q2 representing a change of -168.27%. The decrease in EBITDA indicates declined operational efficiency and profitability.
Net Income: Net income decreased to -8 million in 2024Q3 from 8 million in 2024Q2 representing a change of -202.13%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to -0.41 in 2024Q3 from -0.41 in 2024Q2 representing a change of -155.41%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0000826154 | |||
| total assets | 3064240000 | 2922408000 | 4.85 |
| total liabilities | 2799184001 | 2693512000 | 3.92 |
| total equity | 265055999 | 228896000 | 15.80 |
| cash and cash equivalents | 65161000 | 60823000 | 7.13 |
| short term investments | 513519000 | 513728000 | -0.04 |
| long term investments | 513519000 | 513728000 | -0.04 |
| total current assets | 559735000 | 585578000 | -4.41 |
| total non current assets | 3439834000 | 564858000 | 508.97 |
| total current liabilities | 0 | 61850000 | -100.00 |
| total non current liabilities | 2799184001 | 61850000 | 4,425.76 |
| common stock | 583000 | 584000 | -0.17 |
| retained earnings | 117667000 | 92473000 | 27.24 |
| total debt | 169593000 | 138165000 | 22.75 |
Total Assets: Total Assets increased to 3,064 million in 2023 from 2,922 million in 2022 representing a change of 4.85%. Suggesting a growth in asset holdings.
Total Equity: Total Equity increased to 265 million in 2023 from 229 million in 2022 representing a change of 15.8%. This indicates an increase in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents increased to 65 million in 2023 from 61 million in 2022 representing a change of 7.13%. This indicates an increase in available liquid assets.
Total Current Liabilities: Total Current Liabilities decreased to 0 million in 2023 from 62 million in 2022 representing a change of -100.0%. This indicates a lower short-term debt burden.
Retained Earnings: Retained Earnings increased to 118 million in 2023 from 92 million in 2022 representing a change of 27.24%. This indicates an accumulated profits.
Total Liabilities: Total Liabilities increased to 2,799 million in 2023 from 2,694 million in 2022 representing a change of 3.92%. This indicates an increase in overall liabilities.
Short Term Investments: Short Term Investments decreased to 514 million in 2023 from 514 million in 2022 representing a change of -0.04%. This indicates a decrease in short-term investment holdings.
Total Current Assets: Total Current Assets decreased to 560 million in 2023 from 586 million in 2022 representing a change of -4.41%. This indicates a worsen liquidity position.
Common Stock: Common Stock decreased to 1 in 2023 from 1 in 2022 representing a change of -0.17%. This indicates a decrease in ownership interest.
Total Debt: Total Debt increased to 170 million in 2023 from 138 million in 2022 representing a change of 22.75%. This indicates an increase in overall debt burden.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0000826154 | |||
| total assets | 5470589000 | 3198782000 | 71.02 |
| total liabilities | 4954383000 | 2920406000 | 69.65 |
| total equity | 516206000 | 278376000 | 85.43 |
| cash and cash equivalents | 65064000 | 132509000 | -50.90 |
| short term investments | 826828000 | 529082000 | 56.28 |
| long term investments | 0 | 123380000 | -100.00 |
| total current assets | 912454000 | 146629000 | 522.29 |
| total non current assets | 205155000 | 3052153000 | -93.28 |
| total current liabilities | 837336000 | 443021000 | 89.01 |
| total non current liabilities | 4117046999 | 2477385000 | 66.19 |
| common stock | 1027000 | 583000 | 76.16 |
| retained earnings | 117311000 | 129669999 | -9.53 |
| total debt | 205820000 | 172942000 | 19.01 |
Total Assets: Total Assets increased to 5,471 million in 2024Q3 from 3,199 million in 2024Q2 representing a change of 71.02%. Suggesting a growth in asset holdings.
Total Equity: Total Equity increased to 516 million in 2024Q3 from 278 million in 2024Q2 representing a change of 85.43%. This indicates an increase in shareholders' equity.
Short Term Investments: Short Term Investments increased to 827 million in 2024Q3 from 529 million in 2024Q2 representing a change of 56.28%. This indicates an increase in short-term investment holdings.
Total Current Assets: Total Current Assets increased to 912 million in 2024Q3 from 147 million in 2024Q2 representing a change of 522.29%. This indicates a better liquidity position.
Common Stock: Common Stock increased to 1 in 2024Q3 from 1 in 2024Q2 representing a change of 76.16%. This indicates an increase in ownership interest.
Total Liabilities: Total Liabilities increased to 4,954 million in 2024Q3 from 2,920 million in 2024Q2 representing a change of 69.65%. This indicates an increase in overall liabilities.
Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 65 million in 2024Q3 from 133 million in 2024Q2 representing a change of -50.9%. This indicates a decrease in available liquid assets.
Total Current Liabilities: Total Current Liabilities increased to 837 million in 2024Q3 from 443 million in 2024Q2 representing a change of 89.01%. This indicates a higher short-term debt burden.
Retained Earnings: Retained Earnings decreased to 117 million in 2024Q3 from 130 million in 2024Q2 representing a change of -9.53%. This indicates an accumulated losses.
Total Debt: Total Debt increased to 206 million in 2024Q3 from 173 million in 2024Q2 representing a change of 19.01%. This indicates an increase in overall debt burden.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0000826154 | |||
| net change in cash | 4338000 | -147887000 | 102.93 |
| operating cash flow | 38843000 | 36192000 | 7.32 |
| free cash flow | 36550000 | 35297000 | 3.55 |
| capital expenditure | -2293000 | -895000 | -156.20 |
| depreciation and amortization | 2853000 | 4620000 | -38.25 |
| deferred income tax | -651000 | -591000 | -10.15 |
| stock based compensation | 2356000 | 2154000 | 9.38 |
| accounts payables | -5651000 | 10891000 | -151.89 |
| inventory | 0 | -10891000 | 100.00 |
| acquisitions net | 0 | 0 | NaN |
| investments in property plant and equipment | -2293000 | -895000 | -156.20 |
| net cash used for investing activites | -153248000 | -270991000 | 43.45 |
| debt repayment | 23895000 | 98193000 | -75.67 |
| common stock issued | 0 | 0 | NaN |
| common stock repurchased | -2963000 | -14457000 | 79.50 |
| dividends paid | -8485000 | -8263999 | -2.67 |
| net cash used provided by financing activities | 113885000 | 86912000 | 31.03 |
| cash at end of period | 65161000 | 60823000 | 7.13 |
| accounts receivables | 1571000 | -2793000 | 156.25 |
| cash at beginning of period | 60823000 | 208710000 | -70.86 |
Net Change in Cash: Net Change in Cash increased to 4 million in 2023 from -148 million in 2022 representing a change of 102.93%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow increased to 39 million in 2023 from 36 million in 2022 representing a change of 7.32%. This indicates that the company generated more cash from its core business operations.
Free Cash Flow: Free Cash Flow increased to 37 million in 2023 from 35 million in 2022 representing a change of 3.55%. This indicates an increase in cash generated after accounting for capital expenditures.
Capital Expenditure: Capital Expenditure decreased to -2 million in 2023 from -1 million in 2022 representing a change of -156.2%. This indicates a possible improved efficiency or a shift in the company's strategic priorities.
Accounts Payables: The absolute value of Accounts Payables decreased to 6 million in 2023 from 11 million in 2022 representing a change of -151.89%. This indicates that the company has reduced its outstanding obligations to its suppliers.
Stock-Based Compensation: Stock-Based Compensation increased to 2 million in 2023 from 2 million in 2022 representing a change of 9.38%. This indicates increased expenses, which is generally considered a negative sign from a financial perspective.
Accounts Receivables: Accounts Receivables increased to 2 in 2023 from -3 million in 2022 representing a change of 156.25%. This suggests that the company is less capable of collecting payments from its customers.
Dividends Paid: Dividends Paid decreased to -8 million in 2023 from -8 million in 2022 representing a change of -2.67%. This indicates a weaker financial position, less confidence in future prospects, and a reluctance to return value to shareholders.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0000826154 | |||
| operating cash flow | 13063000 | 6454000 | 102.40 |
| free cash flow | 13163000 | 6417000 | 105.13 |
| capital expenditure | 100000 | -37000 | 370.27 |
| depreciation and amortization | -1654000 | 215000 | -869.30 |
| deferred income tax | -283000 | -570000 | 50.35 |
| stock based compensation | 5657000 | 864000 | 554.75 |
| accounts receivables | 2752000 | 0 | NaN |
| accounts payables | 3799000 | -707000 | 637.34 |
| inventory | 0 | 0 | NaN |
| acquisitions net | 0 | 0 | NaN |
| investments in property plant and equipment | 100000 | -37000 | 370.27 |
| net cash used for investing activites | 96397000 | -63932000 | 250.78 |
| debt repayment | 0 | 2526000 | -100.00 |
| common stock issued | -80000 | 0 | NaN |
| common stock repurchased | 637000 | 0 | NaN |
| dividends paid | -4266000 | -2143000 | -99.07 |
| net cash used provided by financing activities | -121557000 | 7286000 | -1,768.36 |
| net change in cash | 0 | -50213000 | 100.00 |
| cash at end of period | 0 | 132509000 | -100.00 |
| cash at beginning of period | 132509000 | 182722000 | -27.48 |
Net Change in Cash: Net Change in Cash increased to 0 million in 2024Q3 from -50 million in 2024Q2 representing a change of 100.0%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow increased to 13 million in 2024Q3 from 6 million in 2024Q2 representing a change of 102.4%. This indicates that the company generated more cash from its core business operations.
Free Cash Flow: Free Cash Flow increased to 13 million in 2024Q3 from 6 million in 2024Q2 representing a change of 105.13%. This indicates an increase in cash generated after accounting for capital expenditures.
Capital Expenditure: Capital Expenditure increased to 0 million in 2024Q3 from 0 million in 2024Q2 representing a change of 370.27%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.
Deferred Income Tax: Deferred Income Tax increased to 0 million in 2024Q3 from -1 million in 2024Q2 representing a change of 50.35%. This indicates that the company's tax liability for future periods has increased.
Stock-Based Compensation: Stock-Based Compensation increased to 6 million in 2024Q3 from 1 million in 2024Q2 representing a change of 554.75%. This indicates increased expenses, which is generally considered a negative sign from a financial perspective.
Accounts Payables: The absolute value of Accounts Payables increased to 4 million in 2024Q3 from 1 million in 2024Q2 representing a change of 637.34%. This indicates that the company has increased its outstanding obligations to its suppliers.
Accounts Receivables: Accounts Receivables increased to 3 in 2024Q3 from 0 million in 2024Q2 representing a change of nan%. This suggests that the company is less capable of collecting payments from its customers.
Dividends Paid: Dividends Paid decreased to -4 million in 2024Q3 from -2 million in 2024Q2 representing a change of -99.07%. This indicates a weaker financial position, less confidence in future prospects, and a reluctance to return value to shareholders.
EPS represents the portion of a company's profit allocated to each outstanding share of common stock. A higher EPS is generally favorable, indicating stronger profitability on a per-share basis.
Positive EPS: A positive EPS signifies that a company is profitable, it is generally viewed positively, supporting stock value and investor confidence.
Negative EPS: Indicates that a company is operating at a loss, which could lead to negative sentiment, potential stock depreciation, and concerns about the company's financial health.
The Next Earning Date represents when the company plans to release its next set of financial results.
An upward trend in EPS suggests consistent growth in earnings, often leading to increased investor confidence. A downward trend may indicate a decline in earnings, potentially decreasing investor confidence and stock value. Fluctuating EPS suggests unpredictable financial performance, warranting cautious investor analysis.
Earnings surprise occurs when a company's actual earnings differ from analysts' expectations. A positive earnings surprise typically reflects better-than-expected performance, potentially leading to stock appreciation. Conversely, a negative earnings surprise can result in stock depreciation. An earnings surprise of zero means the earnings met expectations, which typically has a neutral impact on stock price.
Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.
| 2023-12-31 | 2022-12-31 | Y/Y change % | |
|---|---|---|---|
| FY | |||
| calendar year | 2023 | 2022 | NaN |
| revenue per share | 12.46 | 0.12 | 10,119.95 |
| net income per share | 3.45 | 2.09 | 65.17 |
| operating cash flow per share | 3.76 | 3.43 | 9.54 |
| free cash flow per share | 3.53 | 3.34 | 5.68 |
| cash per share | 55.97 | 54.44 | 2.79 |
| book value per share | 25.63 | 21.69 | 18.18 |
| tangible book value per share | 23.59 | 19.62 | 20.21 |
| shareholders equity per share | 25.63 | 21.69 | 18.18 |
| interest debt per share | 11.32 | 13.95 | -18.81 |
| market cap | 305030000 | 244407480 | 24.80 |
| enterprise value | 409462000 | 321749480 | 27.26 |
| pe ratio | 8.55 | 11.09 | -22.88 |
| price to sales ratio | 2.37 | 189.9 | -98.75 |
| pocfratio | 7.85 | 6.75 | 16.29 |
| pfcf ratio | 8.35 | 6.92 | 20.53 |
| pb ratio | 1.15 | 1.07 | 7.78 |
| ptb ratio | 1.15 | 1.07 | 7.78 |
| ev to sales | 3.18 | 250.0 | -98.73 |
| enterprise value over ebitda | 0 | 3.2 | -100.00 |
| ev to operating cash flow | 10.54 | 8.89 | 18.58 |
| ev to free cash flow | 11.2 | 9.12 | 22.90 |
| earnings yield | 0.12 | 0.09 | 29.67 |
| free cash flow yield | 0.12 | 0.14 | -17.03 |
| debt to equity | 0.27 | 0.6 | -54.94 |
| debt to assets | 0.02 | 0.05 | -50.24 |
| net debt to ebitda | 0 | 0.77 | -100.00 |
| current ratio | 0 | 9.47 | -100.00 |
| interest coverage | 3.15 | 4.34 | -27.45 |
| income quality | 1.09 | 1.64 | -33.68 |
| dividend yield | 0.03 | 0.03 | -17.73 |
| payout ratio | 0.24 | 0.38 | -36.56 |
| sales general and administrative to revenue | 0.42 | 38.14 | -98.90 |
| research and ddevelopement to revenue | 0 | 0 | NaN |
| intangibles to total assets | 0.01 | 0.01 | -7.53 |
| capex to operating cash flow | 0.06 | 0.02 | 138.72 |
| capex to revenue | 0.02 | 0.7 | -97.44 |
| capex to depreciation | 0.8 | 0.19 | 314.88 |
| stock based compensation to revenue | 0.02 | 1.67 | -98.91 |
| graham number | 44.6 | 31.92 | 39.71 |
| roic | 0.33 | 0.09 | 276.69 |
| return on tangible assets | 0.01 | 0.01 | 54.25 |
| graham net net | -213.76 | -203.41 | -5.09 |
| working capital | 559735000 | 523728000 | 6.88 |
| tangible asset value | 243917999 | 207094000 | 17.78 |
| net current asset value | -2239449001 | -2107934000 | -6.24 |
| invested capital | 621090000 | 574858000 | 8.04 |
| average receivables | 12328500 | 9630500 | 28.02 |
| average payables | 30925000 | 51335000 | -39.76 |
| average inventory | -35925000 | -144397000 | 75.12 |
| days sales outstanding | 38.6 | 3127.32 | -98.77 |
| days payables outstanding | 0 | 3792.25 | -100.00 |
| days of inventory on hand | 0 | -4405.38 | 100.00 |
| receivables turnover | 9.46 | 0.12 | 8,001.31 |
| payables turnover | 0 | 0.1 | -100.00 |
| inventory turnover | 0 | -0.08 | 100.00 |
| roe | 0.13 | 0.1 | 39.75 |
| capex per share | 0.22 | 0.08 | 161.48 |
ROE:
PE Ratio: Price-to-Earnings (P/E) Ratio decreased to 8.55 on 2023-12-31 from 11.09 on 2022-12-31, representing a change of -22.88%. Indicating a decrease in the relative valuation of the company's stock.
Current Ratio: Current Ratio decreased to 0.00 on 2023-12-31 from 9.47 on 2022-12-31, representing a change of -100.00%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Also, it's below 1, indicating potential liquidity issues.
Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.27 on 2023-12-31 from 0.60 on 2022-12-31, representing a change of -54.94%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.
| 2024-09-30 Q3 | 2024-06-30 Q2 | Q/Q change % | |
|---|---|---|---|
| ORRF | |||
| calendar year | 2024 | 2024 | NaN |
| revenue per share | 5.0 | 4.85 | 2.97 |
| net income per share | -0.41 | 0.74 | -155.61 |
| operating cash flow per share | 0.68 | 0.62 | 10.20 |
| free cash flow per share | 0.69 | 0.62 | 11.69 |
| cash per share | 46.73 | 63.66 | -26.60 |
| book value per share | 27.04 | 26.78 | 0.97 |
| tangible book value per share | 20.92 | 24.79 | -15.60 |
| shareholders equity per share | 27.04 | 26.78 | 0.97 |
| interest debt per share | 10.92 | 15.81 | -30.94 |
| market cap | 686404480 | 297967310 | 130.36 |
| enterprise value | 827160480 | 338400310 | 144.43 |
| pe ratio | -21.71 | 9.63 | -325.55 |
| price to sales ratio | 7.2 | 5.91 | 21.82 |
| pocfratio | 52.55 | 46.17 | 13.81 |
| pfcf ratio | 52.15 | 46.43 | 12.30 |
| pb ratio | 1.33 | 1.07 | 24.23 |
| ptb ratio | 1.33 | 1.07 | 24.23 |
| ev to sales | 8.67 | 6.71 | 29.26 |
| enterprise value over ebitda | -111.28 | 31.08 | -458.05 |
| ev to operating cash flow | 63.32 | 52.43 | 20.77 |
| ev to free cash flow | 62.84 | 52.73 | 19.16 |
| earnings yield | -0.01 | 0.03 | -144.34 |
| free cash flow yield | 0.02 | 0.02 | -10.95 |
| debt to equity | 0.4 | 0.53 | -24.56 |
| debt to assets | 0.04 | 0.05 | -18.20 |
| net debt to ebitda | -18.94 | 3.71 | -609.94 |
| current ratio | 1.09 | 0.33 | 229.24 |
| interest coverage | 2.83 | 0.67 | 319.59 |
| income quality | -1.65 | 0.83 | -298.18 |
| dividend yield | 0.01 | 0.01 | -13.59 |
| payout ratio | -0.54 | 0.28 | -294.91 |
| sales general and administrative to revenue | 0 | 0.28 | -100.00 |
| research and ddevelopement to revenue | 0 | 0 | NaN |
| intangibles to total assets | 0.02 | 0.01 | 229.96 |
| capex to operating cash flow | 0.01 | 0.01 | 33.53 |
| capex to revenue | 0.0 | 0.0 | 42.92 |
| capex to depreciation | -0.06 | 0.17 | -135.13 |
| stock based compensation to revenue | 0.06 | 0.02 | 246.23 |
| graham number | 15.87 | 21.18 | -25.07 |
| roic | 0.01 | 0.02 | -62.19 |
| return on tangible assets | -0.0 | 0.0 | -160.63 |
| graham net net | -212.02 | -244.18 | 13.17 |
| working capital | 75118000 | -296392000 | 125.34 |
| tangible asset value | 399407000 | 257678000 | 55.00 |
| net current asset value | -4041929000 | -2773777000 | -45.72 |
| invested capital | 241756000 | -236850000 | 202.07 |
| average receivables | 17341000 | 13808000 | 25.59 |
| average payables | 0 | 0 | NaN |
| average inventory | -289576500 | -565555000 | 48.80 |
| days sales outstanding | 19.4 | 25.2 | -22.99 |
| days payables outstanding | 0 | 0 | NaN |
| days of inventory on hand | 0 | 2606188.5 | -100.00 |
| receivables turnover | 4.64 | 3.57 | 29.86 |
| payables turnover | 0 | 0 | NaN |
| inventory turnover | 0 | 0.0 | -100.00 |
| roe | -0.02 | 0.03 | -155.08 |
| capex per share | 0.01 | 0.0 | 47.16 |
ROE: Return on Equity (ROE) decreased to -0.02 on 2024-09-30 Q3 from 0.03 on 2024-06-30 Q2, representing a change of -155.08%. Suggesting that the company has not been generating high returns for its shareholders.
PE Ratio: Price-to-Earnings (P/E) Ratio decreased to -21.71 on 2024-09-30 Q3 from 9.63 on 2024-06-30 Q2, representing a change of -325.55%. Indicating a decrease in the relative valuation of the company's stock.
Current Ratio: Current Ratio increased to 1.09 on 2024-09-30 Q3 from 0.33 on 2024-06-30 Q2, representing a change of 229.24%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. Also, it's above 1, indicating the ability to cover short-term obligations.
Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.40 on 2024-09-30 Q3 from 0.53 on 2024-06-30 Q2, representing a change of -24.56%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.
Negative Sentiment: Discounted Cash Flow value is 24.26 which is lower than current price 40.45, indicates the company may be overvalued.
| Market Capitalization | Enterprise Value | |
|---|---|---|
| Definition | The total market value of a company's outstanding shares | The total market value of a company, including its debt and other liabilities |
| Calculation | Current share price * Total number of outstanding shares | Market capitalization + Total debt - Cash and cash equivalents |
| Focus | Equity component of a company's value | Total economic value of a company |
| Usefulness | Assesses a company's size and growth potential based on investor sentiment | Provides a more comprehensive valuation that considers both equity and debt |
Analyzing dividends is a crucial aspect of investment evaluation, offering valuable insights into a company's financial health and its commitment to shareholder returns. Dividends represent a portion of a company's profits distributed to its shareholders, providing a steady income stream. We help you analyze dividends based on the indicators mentioned below:
• Investors often assess the average dividend amount, observing trends over time to gauge the company's stability and growth potential. A positive trend in average dividends indicates a consistent and potentially lucrative investment. Additionally, evaluating the trend of dividend increases provides insight into the company's financial strength and management's confidence in future earnings.
• Consistency in paying dividends is a reassuring sign, reflecting a company's reliability and commitment to shareholder value. For investors, dividends not only offer income but also contribute to the overall total return on investment.
• Companies with a history of regular and increasing dividends can attract income-focused investors seeking stable returns, making dividends a critical factor in building a well-rounded investment portfolio.
Interested in the overall sentiment for a particular period? Check out our news sentiment analysis tool.
Sentiment: Positive
Publish Date: 2024-11-07 13:00:56
Does Orrstown Financial Services (ORRF) have what it takes to be a top stock pick for momentum investors? Let's find out.
Sentiment: Positive
Publish Date: 2024-10-30 13:21:12
Orrstown (ORRF) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
Sentiment: Positive
Publish Date: 2024-10-22 18:35:16
Orrstown Financial Services (ORRF) came out with quarterly earnings of $1.11 per share, beating the Zacks Consensus Estimate of $0.91 per share. This compares to earnings of $0.87 per share a year ago.
Sentiment: Positive
Publish Date: 2024-10-22 16:20:00
Orrstown Financial Services, Inc. ("Orrstown" or the “Company”) closed the merger of equals transaction with Codorus Valley Bancorp, Inc. ("Codorus") on July 1, 2024, creating a premier Pennsylvania and Maryland community bank; as a result, the Company's results for the three months ended September 30, 2024 reflect the combined operating results of the combined companies; Codorus contributed, after fair value purchase accounting adjustments, approximately $2.2 billion in total assets, $1.6 billion in loans, and $1.9 billion in deposits at July 1, 2024; Net loss of $7.9 million, or $0.41 per diluted share, for the three months ended September 30, 2024 compared to net income of $7.7 million, or $0.73 per diluted share, for the three months ended June 30, 2024, reflecting the impact of $17.0 million in expenses related to the merger, $15.5 million of provision for credit losses on non-purchase credit deteriorated ("PCD") loans and $4.8 million for the previously announced executive retirement, net of taxes, collectively the "non-recurring charges"; Excluding the impact of the non-recurring charges, net income and diluted earnings per share, respectively, were $21.4 million(1) and $1.11(1) for the third quarter of 2024 compared to net income and diluted earnings per share of $8.7 million(1) and $0.83(1), respectively, as adjusted for the impact of $1.1 million in merger-related expenses, net of taxes, recorded for the second quarter of 2024; Net interest margin, on a tax equivalent basis, was 4.14% in the third quarter of 2024 compared to 3.54% in the second quarter of 2024; the net accretion impact of purchase accounting marks on loans, deposits and borrowings was $5.8 million of net interest income, which represents 52 basis points of net interest margin; Noninterest income increased by $5.1 million to $12.4 million in the three months ended September 30, 2024 compared to $7.2 million in the three months ended June 30, 2024; continued strength in wealth management and swap fee generation by commercial teams are driving fee income growth; Return on average assets for the three months ended September 30, 2024 was (0.57)% compared to 0.97% for the three months ended June 30, 2024; excluding the non-recurring charges, return on average assets was 1.55%(1) for the three months ended September 30, 2024 compared to 1.09%(1) for the three months ended June 30, 2024, excluding merger-related expenses; Return on average equity for the three months ended September 30, 2024 was (5.85)% compared to 11.41% for the three months ended June 30, 2024; excluding the non-recurring charges, return on average equity was 15.85%(1) for the three months ended September 30, 2024 compared to 12.88%(1) for the three months ended June 30, 2024, excluding merger related expenses; The provision for credit losses was $13.7 million for the three months ended September 30, 2024 compared to $812 thousand for the three months ended June 30, 2024; the provision for credit losses on non-PCD loans for the three months ended September 30, 2024 was $15.5 million; excluding the impact of the merger, the provision for credit losses for the three months ended September 30, 2024 was a reversal of $1.8 million; At September 30, 2024, nonaccrual loans totaled $26.9 million, an increase of $18.5 million from $8.4 million at June 30, 2024; non-accrual loans acquired from Codorus totaled $12.8 million; Tangible book value per common share(1) decreased to $21.12 per share at September 30, 2024 compared to $24.08 per share at June 30, 2024; this decrease was primarily due to the impact of loan marks associated with the merger and the net loss incurred for the third quarter of 2024; The Board of Directors declared a cash dividend of $0.23 per common share, payable November 12, 2024, to shareholders of record as of November 5, 2024. (1) Non-GAAP measure.
Sentiment: Positive
Publish Date: 2024-10-18 10:24:25
Orrstown Financial Services is favored by dividend investors for its earnings stability, strong asset quality, and consistent returns despite external factors like interest rates. ORRF faces challenges with rising deposit interest expenses and low loan portfolio growth, but maintains excellent asset quality with near-zero net charge-offs. The bank offers a solid dividend yield of 2.51% with a low payout ratio, ensuring sustainability and potential for future increases.
Sentiment: Positive
Publish Date: 2024-10-14 12:45:14
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes?
Sentiment: Positive
Publish Date: 2024-09-27 12:46:08
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes?
Sentiment: Positive
Publish Date: 2024-09-11 12:45:28
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes?
Sentiment: Positive
Publish Date: 2024-08-26 12:45:50
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes?
* The sentiment analysis presented is generated through an algorithm and may be subject to inaccuracies. Users are advised to corroborate key information and employ further analytical methods prior to making critical decisions.
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| Indicator | Bullish | Bearish |
|---|---|---|
| Price and EMA ⓘ | Price crosses above EMA | Price crosses below EMA |
| Short-Term vs Long-Term EMA ⓘ | Short EMA crosses above Long EMA | Short EMA crosses below Long EMA |
| Volume ⓘ | Increasing volume during price uptrend | Increasing volume during price downtrend |
| MACD ⓘ | MACD crosses above Signal Line | MACD crosses below Signal Line |
| RSI ⓘ | RSI is below 30 (oversold) and starts to rise above 30 | RSI is above 70 (overbought) and starts to decline below 70 |
| Candlestick Patterns ⓘ | Bullish candlestick patterns | Bearish candlestick patterns |
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