Orrstown Financial Services, Inc. cash flow to debt ratio of 22.22% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Orrstown Financial Services, Inc.'s free cash flow has increased 111.22% from $33.38M last year to $70.50M, signaling increasing performance

Orrstown Financial Services, Inc.'s debt to equity ratio is 0.45, which means that the company's assets are healthy financed, signaling financial stability.

Orrstown Financial Services, Inc.'s debt has increased relative to shareholder equity from 0.41 last year to 0.45 today, signaling weakened financials

Orrstown Financial Services, Inc. has a net cash position, so leverage is healthy.

Orrstown Financial Services, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Orrstown Financial Services, Inc.'s profit margin has increased (210.02%) in the last year from 7.76% to 24.06%, signaling increasing performance

Orrstown Financial Services, Inc.'s short-term assets of $1.02B exceed its short-term liabilities of $895.45M

Orrstown Financial Services, Inc.'s return on assets of 1.54% is lower than the 5.00% threshold, indicating inefficient asset utilization

Orrstown Financial Services, Inc.'s return on equity of 14.46%, is lower than 15.00%, indicating bad performance

Orrstown Financial Services, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Orrstown Financial Services, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Orrstown Financial Services, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Orrstown Financial Services, Inc. has a free cash flow yield of 8.44%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Orrstown Financial Services, Inc.'s yearly earnings has increased 266.69% since last year from $22.05M to $80.86M, signaling increasing performance

Orrstown Financial Services, Inc.'s yearly revenue has increased 24.56% since last year from $284.09M to $353.86M, signaling increasing performance

ROIC -2.54% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Orrstown Financial Services, Inc.'s 3-year revenue CAGR of 38.11% is positive, indicating growing revenue over the past 3 years

Orrstown Financial Services, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Orrstown Financial Services, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Orrstown Financial Services, Inc. is undervalued relative to its fair value price of 48.79 based on Discounted Cash Flow model

Orrstown Financial Services, Inc. has an earnings yield of 10.51%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Orrstown Financial Services, Inc. is overvalued relative to its fair value price of 26.64 based on EBITDA multiple model

Orrstown Financial Services, Inc. has an EV/EBITDA ratio of 1.52x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Orrstown Financial Services, Inc. is undervalued relative to its fair value price of 106.00 based on Earnings Fair Value model

Orrstown Financial Services, Inc. has a PEG-ratio under 1 which is considered undervalued

Orrstown Financial Services, Inc. has a price-to-book ratio of 1.32x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Orrstown Financial Services, Inc. has a price-to-sales ratio of 2.29x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue