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Orrstown Financial Services (ORRF) Ratios
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Orrstown Financial Services Ratios
ORRF's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, ORRF's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.13 | 0.24 | 0.23 | 0.23 | 0.28 |
| Quick Ratio | 1.13 | 0.24 | 0.23 | 0.23 | 0.28 |
| Cash Ratio | 0.05 | 0.05 | 0.03 | 0.02 | 0.08 |
| Solvency Ratio | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.08 | 0.01 | 0.02 | 0.01 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 3.05 | 1.35 | 4.47 | 2.10 | 1.75 |
| 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 | 0.02 |
| Debt-to-Equity Ratio | 0.57 | 0.41 | 0.68 | 0.68 | 0.21 |
| Debt-to-Capital Ratio | 0.36 | 0.29 | 0.40 | 0.40 | 0.17 |
| 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 | 0.75 | 0.27 | 0.73 | 1.01 | 1.27 |
| Interest Coverage Ratio | 0.99 | 0.30 | 1.00 | 2.95 | 6.08 |
| Debt to Market Cap | 0.57 | 0.39 | 0.59 | 0.64 | 0.21 |
| Interest Debt Per Share | 26.46 | 20.57 | 21.70 | 15.58 | 5.82 |
| Net Debt to EBITDA | 2.49 | -1.04 | 2.31 | 3.03 | -3.28 |
| Profitability Margins | |||||
| Gross Profit Margin | 70.64% | 61.20% | 73.22% | 90.16% | 93.58% |
| EBIT Margin | 29.03% | 9.79% | 25.84% | 19.82% | 33.62% |
| EBITDA Margin | 33.34% | 13.20% | 28.33% | 23.26% | 37.98% |
| Operating Profit Margin | 29.03% | 9.79% | 25.84% | 19.82% | 33.62% |
| Pretax Profit Margin | 29.00% | 9.79% | 25.84% | 19.82% | 33.62% |
| Net Profit Margin | 22.85% | 7.76% | 20.46% | 16.41% | 27.03% |
| Continuous Operations Profit Margin | 22.85% | 7.76% | 20.46% | 16.41% | 27.03% |
| Net Income Per EBT | 78.78% | 79.30% | 79.19% | 82.80% | 80.40% |
| EBT Per EBIT | 99.93% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.46% | 0.41% | 1.16% | 0.75% | 1.16% |
| Return on Equity (ROE) | 13.67% | 4.27% | 13.45% | 9.63% | 12.10% |
| Return on Capital Employed (ROCE) | 2.21% | 3.51% | 9.09% | 6.21% | 11.81% |
| Return on Invested Capital (ROIC) | 23.93% | 2.69% | 7.06% | 4.94% | 8.90% |
| Return on Tangible Assets | 1.49% | 0.41% | 1.17% | 0.76% | 1.17% |
| Earnings Yield | 13.72% | 4.08% | 11.69% | 9.02% | 11.90% |
| Efficiency Ratios | |||||
| Receivables Turnover | 16.48 | 13.49 | 12.79 | 12.18 | 14.77 |
| 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 | 6.93 | 5.66 | 5.93 | 4.58 | 3.57 |
| Asset Turnover | 0.06 | 0.05 | 0.06 | 0.05 | 0.04 |
| Working Capital Turnover Ratio | -0.21 | -0.10 | -0.09 | -0.07 | -0.07 |
| Cash Conversion Cycle | 22.15 | 27.06 | 28.54 | 29.96 | 24.71 |
| Days of Sales Outstanding | 22.15 | 27.06 | 28.54 | 29.96 | 24.71 |
| 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 | 22.15 | 27.06 | 28.54 | 29.96 | 24.71 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 4.49 | 2.37 | 4.23 | 3.43 | 3.72 |
| Free Cash Flow Per Share | 4.24 | 2.26 | 4.00 | 3.34 | 3.61 |
| Dividend Paid and CapEx Coverage Ratio | 3.00 | 2.37 | 4.05 | 3.95 | 4.28 |
| Capital Expenditure Coverage Ratio | 17.65 | 22.10 | 19.06 | 40.44 | 32.54 |
| Operating Cash Flow Coverage Ratio | 0.22 | 0.17 | 0.24 | 0.23 | 0.71 |
| Operating Cash Flow to Sales Ratio | 0.21 | 0.12 | 0.25 | 0.27 | 0.34 |
| Free Cash Flow Yield | 11.96% | 6.18% | 13.58% | 14.44% | 14.31% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.41 | 24.57 | 8.55 | 11.09 | 8.41 |
| Price-to-Sales (P/S) Ratio | 1.67 | 1.90 | 1.75 | 1.82 | 2.27 |
| Price-to-Book (P/B) Ratio | 1.00 | 1.05 | 1.15 | 1.07 | 1.02 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.36 | 16.19 | 7.37 | 6.92 | 6.99 |
| Price-to-Operating Cash Flow Ratio | 7.89 | 15.46 | 6.98 | 6.75 | 6.77 |
| Price-to-Earnings Growth (PEG) Ratio | 0.05 | -0.43 | 0.13 | -0.37 | 0.35 |
| Enterprise Value Multiple | 7.49 | 13.37 | 8.49 | 10.85 | 2.70 |
| Enterprise Value | 883.71M | 501.43M | 419.25M | 339.00M | 124.82M |
| EV to EBITDA | 7.49 | 13.37 | 8.49 | 10.85 | 2.70 |
| EV to Sales | 2.50 | 1.77 | 2.41 | 2.52 | 1.03 |
| EV to Free Cash Flow | 12.54 | 15.02 | 10.12 | 9.60 | 3.16 |
| EV to Operating Cash Flow | 11.82 | 14.34 | 9.59 | 9.37 | 3.06 |
| 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 | 12.73 | 11.09 |
| 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 | 0.26 | 0.29 | 0.31 | 0.37 | 0.38 |
| Stock-Based Compensation to Revenue | 0.01 | 0.03 | 0.01 | 0.02 | 0.02 |
| Income Quality | 0.92 | 1.59 | 1.23 | 1.64 | 1.24 |
Currency in USD
