Fundamental Analysis of Orrstown Fin Services Inc. - Growth / Value Index
ORRF - Valuation Highlights
Valuation Analysis
Tsr Value Index - Excellent Score of 89.06
Undervalued - Price to Intrinsic Value of 0.246
Price to Earning Ratio is 7.93 and EV to EBITDA is 7.47 suggesting company is undervalued.
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 7.96 | 7.41 | -45.00 % | |
| Price to Book | 1.71 | 1.05 | -18.86 % | 1.03 |
| Price to Sales | 1.69 | 2.14 | -8.87 % | |
| Enterprise Value to EBITDA Multiple | 7.50 | 6.34 | -40.56 % |
ORRF - Profitability Highlights
Profitability Analysis
Piotroski F Score - Good Value of 7.0
Earning Yield of 12.60 %
Company Earning excess return
All key Trailing Twelve Months Margin growing by 15 %
Reasonable Dividend Yield of 3.00 %
Annual Net Profit in last 3 years is trending up
Good Net Margin of 21.26% is achieved by the company
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 9.35 | 14.20 | 47.53 % | 3.14 |
| Return On Asset | 1.18 | 1.23 | 62.92 % | 0.268 |
| Net Profit Margin | 21.26 | 28.85 | 65.70 % | 17.31 |
| Operating Profit Margin | 54.37 | 108.53 | 416.16 % | 24.52 |
| EBITDA Margin | 40.37 | 59.40 | 104.62 % | 0.457 |
Highlights
| Market Cap | 286778 K |
| Enterprise Value | 498742 K |
| Price/Book TTM | 1.71 |
| Outstanding Share | 10720.70 K |
| Float/ Outstanding Share | 91.45% |
| Dividend Yield | 2.98 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.611 |
| Peter Lynch Ratio | 10.28 |
| Piotroski F Score | 7.00 |
| Altman Z Score | 0.238 |
| Sloan Ratio | 0.0030 |
| Peter Lynch Fair Value | 66.14 |
ORRF - Growth Highlights
Growth Analysis
YoY Net Margin Jump by 65.70%
Annual sales of the company is increased for three years in a row
Quarterly sales in last 5 years is trending up
Steady increase in Total Assets for last 3 Years
Operating Cash Flow decreasing for last 3 year
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 164844 K | 3.10 % | 5.94 % |
| Gross Profit | 162800 K | 38.68 % | 5.94 % |
| EBITDA | 66543.00 K | 110.96 % | 4.66 % |
| Net Profit | 35038.00 K | 70.83 % | 11.62 % |
| EPS | 3.36 | 81.82 % | NA |
ORRF - Stability Highlights
Stability Analysis
Altman Z Score of 0.238 suggest high risk
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 0.677 | -0.328 % | 0.586 |
| Cash Ratio | -0.074 | -132.88 % | |
| Quick Ratio | 0.136 | 124.77 % | 2.56 |
| Shareholders Equity | 8.65 | 10.44 % | |
| Debt to EBITDA | 2.31 | -45.29 % |
Historical Valuation Ratios of Orrstown Fin Services Inc.
Historical Valuation Ratios
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Historical Profitability Ratios of Orrstown Fin Services Inc.
Historical Profitability Ratios
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Historical Efficiency Ratios of Orrstown Fin Services Inc.
Historical Efficiency Ratios
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Historical Solvency Ratios of Orrstown Fin Services Inc.
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)