-0.74%
-0.74%
-2.94%
3.36%
31.29%
46.83%
76.32%
AI Spotlight on ORRF
Company Description
Orrstown Financial Services, Inc.operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States.The company accepts various deposits, including checking, savings, time, demand, and money market deposits.
It also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans comprising home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans.In addition, the company provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as provides other fiduciary services under the Orrstown Financial Advisors name; and offers retail brokerage services through a third-party broker/dealer arrangement.Further, it offers investment advisory, insurance, and brokerage services.
The company operates through offices in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York counties, Pennsylvania; and Anne Arundel, Baltimore, Howard, and Washington counties, Maryland, as well as Baltimore City, Maryland.Orrstown Financial Services, Inc.was founded in 1919 and is based in Shippensburg, Pennsylvania.
Market Data
| Last Price | 36.34 |
| Change Percentage | -0.74% |
| Open | 36.41 |
| Previous Close | 36.61 |
| Market Cap ( Millions) | 704 |
| Volume | 155712 |
| Year High | 41.99 |
| Year Low | 24.7 |
| M A 50 | 37.65 |
| M A 200 | 33.0 |
Financial Ratios
| FCF Yield | 4.71% |
| Dividend Yield | 2.37% |
| ROE | 4.81% |
| Debt / Equity | 35.62% |
| Net Debt / EBIDTA | -157.66% |
| Price To Book | 1.34 |
| Price Earnings Ratio | 43.33 |
| Price To FCF | 21.24 |
| Price To sales | 3.58 |
| EV / EBITDA | 19.42 |
News
- 14:36 - Orrstown Financial Services (ORRF) Q4 Earnings and Revenues Miss Estimates
- 12:22 - Orrstown Financial Services, Inc. Reports Fourth Quarter 2024 Results
- Jan -17 - Orrstown Bank Welcomes Chris Orr as Chief Information Officer and Ben Colvard as Chief Operations Officer
- Jan -13 - Orrstown Financial Services: Expecting Decent Earnings Growth After The Merger Of Equals
- Nov -07 - Are You Looking for a Top Momentum Pick? Why Orrstown Financial Services (ORRF) is a Great Choice
- Oct -22 - Orrstown Financial Services (ORRF) Surpasses Q3 Earnings and Revenue Estimates
- Oct -22 - Orrstown Financial Services, Inc. Reports Third Quarter 2024 Results
- Oct -18 - Orrstown Financial Services: Well-Positioned For Dividend Seeking Investors
- Aug -09 - This is Why Orrstown Financial Services (ORRF) is a Great Dividend Stock
- Jul -30 - 7 Upcoming Dividend Increases
- Jul -23 - Orrstown Financial Services (ORRF) Q2 Earnings and Revenues Surpass Estimates
- Jul -23 - Orrstown Financial Services, Inc. Reports Second Quarter 2024 Results and Increases Quarterly Dividend by $0.03 per Share
- Jul -16 - Earnings Preview: Orrstown Financial Services (ORRF) Q2 Earnings Expected to Decline
- Jul -01 - Orrstown Financial Services and Codorus Valley Bancorp Successfully Complete Merger of Equals
- Jun -17 - Orrstown Financial Services, Inc. and Codorus Valley Bancorp, Inc. Announce Receipt of Regulatory Approvals for Merger of Equals
- May -30 - Orrstown Financial Services, Inc. and Codorus Valley Bancorp, Inc. Announce Receipt of Shareholder Approvals for Merger of Equals
- Apr -26 - CODORUS VALLEY INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Codorus Valley Bancorp, Inc. - CVLY
- Apr -23 - Orrstown Financial Services (ORRF) Beats Q1 Earnings and Revenue Estimates
- Apr -23 - Orrstown Financial Services, Inc. Reports First Quarter 2024 Results
- Feb -07 - Down -8.22% in 4 Weeks, Here's Why You Should You Buy the Dip in Orrstown (ORRF)
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Community Banking
Expected Growth : 7.4 %
What the company do ?
Community Banking from Orrstown Financial Services, Inc. offers personalized banking solutions, including loans, deposit accounts, and online services, to individuals and businesses in local communities.
Why we expect these perspectives ?
Orrstown Financial Services, Inc.'s 7.4% growth in Community Banking is driven by strategic branch expansions, increased commercial lending, and a focus on customer relationships. Additionally, investments in digital banking platforms and targeted marketing initiatives have contributed to the growth. The bank's commitment to community development and customer-centric approach have also fostered loyalty and attracted new customers.
Orrstown Financial Services, Inc. Products
| Product Range | What is it ? |
|---|---|
| Commercial Loans | Orrstown Financial Services, Inc. offers a range of commercial loans to help businesses grow and thrive. From lines of credit to term loans, we have a loan solution to meet your business needs. |
| Personal Banking | Our personal banking services provide convenient and secure access to your money. From checking and savings accounts to credit cards and loans, we have a solution to meet your personal banking needs. |
| Mortgage Lending | Orrstown Financial Services, Inc. offers a range of mortgage lending options to help you achieve your dream of homeownership. From fixed-rate to adjustable-rate mortgages, we have a solution to fit your needs. |
| Wealth Management | Our wealth management services provide personalized investment advice and portfolio management to help you achieve your long-term financial goals. |
| Treasury Management | Orrstown Financial Services, Inc.'s treasury management services provide businesses with the tools they need to manage their cash flow, reduce risk, and optimize their financial performance. |
Orrstown Financial Services, Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Orrstown Financial Services, Inc. is medium due to the presence of alternative financial institutions and online banking services.
Bargaining Power Of Customers
The bargaining power of customers for Orrstown Financial Services, Inc. is low due to the lack of concentration of buyers and the presence of multiple financial institutions.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Orrstown Financial Services, Inc. is medium due to the presence of multiple suppliers and the moderate level of concentration.
Threat Of New Entrants
The threat of new entrants for Orrstown Financial Services, Inc. is low due to the high barriers to entry and the presence of regulatory requirements.
Intensity Of Rivalry
The intensity of rivalry for Orrstown Financial Services, Inc. is high due to the presence of multiple competitors and the high level of competition in the financial services industry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 40.54% |
| Debt Cost | 4.87% |
| Equity Weight | 59.46% |
| Equity Cost | 8.26% |
| WACC | 6.89% |
| Leverage | 68.18% |
Orrstown Financial Services, Inc. : Quality Control
Orrstown Financial Services, Inc. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| IBCP | Independent Bank Corporation operates as the bank holding company for Independent Bank that provides various banking services to individuals and businesses. The company offers checking and savings accounts, commercial lending, … |
| PEBK | Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to … |
| OFG | OFG Bancorp, a financial holding company, provides a range of banking and financial services. It operates through three segments: Banking, Wealth Management, and Treasury. The company offers checking and savings … |
| CHMG | Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, … |
| THFF | First Financial Corporation, through its subsidiaries, provides various financial services. It offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. The company also provides commercial loans primarily to … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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