Orrstown Financial Services Balance Sheet Health
Financial Health criteria checks 6/6
Orrstown Financial Services has total assets of $5.4B and total equity of $532.9M. Total deposits are $4.6B, and total loans are $3.8B. It earns a Net Interest Margin of 3.9%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $300.4M.
Key information
10.2x
Asset to equity ratio
3.9%
Net interest margin
| Total deposits | US$4.63b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$300.43m |
Recent financial health updates
Recent updates
Leadership And Risk Management Will Unlock New Loan Opportunities
Completion of core conversion and leadership enhancements are set to boost growth, expand capacity, and drive future earnings.Orrstown Financial: Downgrading And Revising Downward The Earnings Estimate Because Of Uncertain Policies
Apr 17Orrstown Financial Services (NASDAQ:ORRF) Will Pay A Larger Dividend Than Last Year At $0.26
Feb 04
Orrstown Financial Services: Expecting Decent Earnings Growth After The Merger Of Equals
Jan 13Orrstown Financial Services (NASDAQ:ORRF) Will Pay A Dividend Of $0.20
May 03Shareholders May Be More Conservative With Orrstown Financial Services, Inc.'s (NASDAQ:ORRF) CEO Compensation For Now
Apr 24Analysts Are More Bearish On Orrstown Financial Services, Inc. (NASDAQ:ORRF) Than They Used To Be
Jan 26Industry Analysts Just Made A Substantial Upgrade To Their Orrstown Financial Services, Inc. (NASDAQ:ORRF) Revenue Forecasts
Jul 28Orrstown Financial Non-GAAP EPS of $0.75 misses by $0.05, revenue of $31.51M beats by $3.31M
Oct 18Orrstown Financial announces strategic initiatives, expects ~$3.4M annual cost savings
Sep 28Orrstown Financial goes ex-dividend tomorrow
Jul 28Orrstown Financial GAAP EPS of $0.83 beats by $0.17, revenue of $31.31M beats by $9.38M
Jul 19Orrstown Financial: Attractively Valued With Prospects Of Good Balance Sheet Growth
Mar 20Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ORRF's Assets to Equity ratio (10.2x) is moderate.
Allowance for Bad Loans: ORRF has a sufficient allowance for bad loans (210%).
Low Risk Liabilities: 94% of ORRF's liabilities are made up of primarily low risk sources of funding.
Loan Level: ORRF has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: ORRF's Loans to Deposits ratio (83%) is appropriate.
Level of Bad Loans: ORRF has an appropriate level of bad loans (0.6%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/05/23 19:01 |
| End of Day Share Price | 2025/05/23 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Orrstown Financial Services, Inc. is covered by 7 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| James Beury | Boenning & Scattergood, Inc. |
| David Bishop | Hovde Group, LLC |
| Daniel Cardenas | Janney Montgomery Scott LLC |