ORRF Valuation

Orrstown Financial Services Inc

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33.310

0(0.000%)1D

Overview
Forecast
Valuation
Earnings

ORRF Relative Valuation

ORRF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, ORRF is overvalued; if below, it's undervalued.

Historical Valuation

Orrstown Financial Services Inc (ORRF) is now in the Fair zone, suggesting that its current forward PE ratio of 7.94 is considered Fairly compared with the five-year average of 8.01. The fair price of Orrstown Financial Services Inc (ORRF) is between 32.96 to 40.36 according to relative valuation methord.

Relative Value

Fair Zone

32.96-40.36

Current Price：33.31

Fair

7.94

Trailing

Forward

0.00

EV/EBITDA

Orrstown Financial Services Inc. (ORRF) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Orrstown Financial Services Inc. (ORRF) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.21

Orrstown Financial Services Inc. (ORRF) has a current PS of 3.21. The 5-year average PS is 2.58. The thresholds are as follows: Strongly Undervalued below 1.45, Undervalued between 1.45 and 2.01, Fairly Valued between 3.14 and 2.01, Overvalued between 3.14 and 3.71, and Strongly Overvalued above 3.71. The current Forward PS of 3.21 falls within the Overvalued range.

0.00

P/OCF

Orrstown Financial Services Inc. (ORRF) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Orrstown Financial Services Inc. (ORRF) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.80. The thresholds are as follows: Strongly Undervalued below -6.27, Undervalued between -6.27 and -2.74, Fairly Valued between 4.33 and -2.74, Overvalued between 4.33 and 7.86, and Strongly Overvalued above 7.86. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

Orrstown Financial Services Inc (ORRF) has a current Price-to-Book (P/B) ratio of 1.19. Compared to its 3-year average P/B ratio of 1.12 , the current P/B ratio is approximately 5.83% higher. Relative to its 5-year average P/B ratio of 1.06, the current P/B ratio is about 12.42% higher. Orrstown Financial Services Inc (ORRF) has a Forward Free Cash Flow (FCF) yield of approximately 7.07%. Compared to its 3-year average FCF yield of 11.03%, the current FCF yield is approximately -35.86% lower. Relative to its 5-year average FCF yield of 12.11% , the current FCF yield is about -41.58% lower.

1.19

P/B

Median3y

1.12

Median5y

1.06

7.07

FCF Yield

Median3y

11.03

Median5y

12.11

Competitors Valuation Multiple

The average P/S ratio for ORRF's competitors is 2.86, providing a benchmark for relative valuation. Orrstown Financial Services Inc Corp (ORRF) exhibits a P/S ratio of 3.21, which is 12.13% above the industry average. Given its robust revenue growth of 89.51%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

ORRF.O

Orrstown Financial Services Inc

Independent Bank Corp (Michigan)

First Community Bankshares Inc

Performance Decomposition

Market capitalization of ORRF decreased by 6.38% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 31.15M to 59.04M.

The secondary factor is the Margin Expansion, contributed 32.61%to the performance.

Overall, the performance of ORRF in the past 1 year is driven by Revenue Growth. Which is more sustainable.

89.51%

31.15M → 59.04M

Revenue Growth

32.61%

24.84 → 32.94

Margin Expansion

-128.50%

-52.18 → 14.87

P/E Change

-6.38%