ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Orrstown Financial Services, Inc. ?
1
High Profitability with a Net Interest Margin of 19.21%
2
Healthy long term growth as Net profit has grown by an annual rate of 22.66%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25
- The company has declared positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 51.29 MM
- NET SALES(HY) At USD 150.35 MM has Grown at 74.97%
- NET PROFIT(Q) Highest at USD 20.21 MM
4
With ROA of 0.84%, it has a expensive valuation with a 1.15 Price to Book Value
- Over the past year, while the stock has generated a return of -10.00%, its profits have risen by 48.9%
5
High Institutional Holdings at 61.78%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 4% over the previous quarter.
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.
-5.9%
1.57
26.98%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
26.16%
EBIT Growth (5y)
18.12%
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
58.17%
Pledged Shares
0
Institutional Holding
61.78%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.15
EV to EBIT
8.52
EV to EBITDA
7.50
EV to Capital Employed
1.19
EV to Sales
1.70
PEG Ratio
NA
Dividend Yield
0.94%
ROCE (Latest)
14.02%
ROE (Latest)
10.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend28What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 51.29 MM
NET SALES(HY)
At USD 150.35 MM has Grown at 74.97%
NET PROFIT(Q)
Highest at USD 20.21 MM
CASH AND EQV(HY)
Highest at USD 118.72 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 25.66 MM
OPERATING PROFIT MARGIN(Q)
Highest at 34.3 %
PRE-TAX PROFIT(Q)
Highest at USD 25.67 MM
EPS(Q)
Highest at USD 1.01
-3What is not working for the Company
INTEREST(9M)
At USD 81.52 MM has Grown at 73.61%
Here's what is working for Orrstown Financial Services, Inc.
Net Sales
At USD 150.35 MM has Grown at 74.97%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Cash Flow
Highest at USD 51.29 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
Highest at USD 20.21 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Profit
Highest at USD 25.66 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 34.3 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 25.67 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 25.67 MM has Grown at 60.8%
over average net sales of the previous four periods of USD 15.96 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 20.21 MM has Grown at 49.12%
over average net sales of the previous four periods of USD 13.55 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.01
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 118.72 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Orrstown Financial Services, Inc.
Interest
At USD 81.52 MM has Grown at 73.61%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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