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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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%

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%

With ROA of 1.03%, it has a fair valuation with a 1.21 Price to Book Value

Over the past year, while the stock has generated a return of 11.66%, its profits have risen by 86.9% ; the PEG ratio of the company is 3

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.

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?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Orrstown Financial Services, Inc.

12.69%

1.24

28.18%

S&P 500

20.12%

0.99

19.34%

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)

23.42%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

25.36%

Pledged Shares

Institutional Holding

63.67%

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

1.21

EV to EBIT

10.08

EV to EBITDA

9.05

EV to Capital Employed

1.20

EV to Sales

2.27

PEG Ratio

3.01

Dividend Yield

1.76%

ROCE (Latest)

11.88%

ROE (Latest)

12.00%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

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

12What 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 (%)

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 periods

MOJO 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 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)

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 periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)