Orrstown Financial Services, Inc. (ORRF) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Orrstown Financial Services, Inc.

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Why is Orrstown Financial Services, Inc. ?

High Profitability with a Net Interest Margin of 18.33%

Healthy long term growth as Net profit has grown by an annual rate of 25.08%

Positive results in Mar 26

OPERATING CASH FLOW(Y) Highest at USD 89.33 MM
NET PROFIT(9M) At USD 65.16 MM has Grown at 42.96%
ROCE(HY) Highest at 1.54%

With ROA of 0.96%, it has a attractive valuation with a 1.19 Price to Book Value

Over the past year, while the stock has generated a return of 31.02%, its profits have risen by 89.3% ; the PEG ratio of the company is 0.1

High Institutional Holdings at 65.3%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.63% over the previous quarter.

Consistent Returns over the last 3 years

Along with generating 31.02% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Orrstown Financial Services, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Orrstown Financial Services, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Orrstown Financial Services, Inc.

31.02%

1.95

27.70%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

24.97%

EBIT Growth (5y)

22.92%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

25.37%

Pledged Shares

Institutional Holding

65.30%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.19

EV to EBIT

8.83

EV to EBITDA

8.02

EV to Capital Employed

1.15

EV to Sales

2.78

PEG Ratio

0.10

Dividend Yield

1.68%

ROCE (Latest)

13.06%

ROE (Latest)

14.03%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 89.33 MM

NET PROFIT(9M)

At USD 65.16 MM has Grown at 42.96%

ROCE(HY)

Highest at 1.54%

OPERATING PROFIT MARGIN(Q)

Highest at 36.99 %

DIVIDEND PER SHARE(HY)

Highest at USD 0

-5What is not working for the Company

ROCE(HY)

Lowest at 1.54%

GROSS NPA (%)

NET SALES(Q)

Lowest at USD 74.36 MM

Here's what is working for Orrstown Financial Services, Inc.

Operating Profit Margin

Highest at 36.99 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Net Profit

At USD 65.16 MM has Grown at 42.96%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Operating Cash Flow

Highest at USD 89.33 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

CASA

Highest at 12%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Orrstown Financial Services, Inc.

Non Performing Loans (%)

Highest at 0.74%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Net Sales

Lowest at USD 74.36 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)