ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Orrstown Financial Services, Inc. ?
1
High Profitability with a Net Interest Margin of 18.33%
2
Healthy long term growth as Net profit has grown by an annual rate of 25.08%
3
The company has declared Positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 58.25 MM
- NET PROFIT(HY) At USD 43.36 MM has Grown at 65.8%
- ROCE(HY) Highest at 1.47%
4
With ROA of 1.28%, it has a attractive valuation with a 1.18 Price to Book Value
- Over the past year, while the stock has generated a return of 14.65%, its profits have risen by 89.3% ; the PEG ratio of the company is 0.1
5
High Institutional Holdings at 63.67%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.01% over the previous quarter.
6
Consistent Returns over the last 3 years
- Along with generating 14.65% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- 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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Orrstown Financial Services, Inc.
29.41%
1.35
28.09%
S&P 500
29.84%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
24.97%
EBIT Growth (5y)
23.42%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
25.36%
Pledged Shares
0
Institutional Holding
63.67%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.18
EV to EBIT
8.60
EV to EBITDA
8.07
EV to Capital Employed
1.14
EV to Sales
2.80
PEG Ratio
0.10
Dividend Yield
1.70%
ROCE (Latest)
13.26%
ROE (Latest)
14.03%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 58.25 MM
NET PROFIT(HY)
At USD 43.36 MM has Grown at 65.8%
ROCE(HY)
Highest at 1.47%
OPERATING PROFIT MARGIN(Q)
Highest at 35.93 %
DIVIDEND PER SHARE(HY)
Highest at USD 0
-4What is not working for the Company
ROCE(HY)
Lowest at 1.47%
GROSS NPA (%)
(Q
Here's what is working for Orrstown Financial Services, Inc.
Operating Profit Margin
Highest at 35.93 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
At USD 43.36 MM has Grown at 65.8%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 58.25 MM
in the last three yearsMOJO 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 yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Depreciation
At USD 2.35 MM has Grown at 77.88%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Orrstown Financial Services, Inc.
Non Performing Loans (%)
Highest at 0.72%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
