Orrstown Financial Services, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Orrstown Financial Services, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Shareholder Slice Ratio: Share count rose 83% in 3 years, so each share's slice of the company became smaller. Dividends paid equalled 31% of profit over the same period. Bigger rise in share count than 91% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$48Sales grew 99% in 3 years; of every extra $100 of sales, $48 became extra profit.
Higher than 74% of Financial Services companies in United States.
Asset Productivity Ratio
+99% / +90%In 3 years sales changed by +99% while total assets changed by +90%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 53% of Financial Services companies in United States.
Tangible Net Worth Ratio
82%Of every $100 of net worth, $82 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 53% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Orrstown Financial Services, Inc. owes $0.89 for every $1 it owns. Net profit rose 267% in the year to Dec 2025, and grew 54% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
9.9Investors pay $9.9 for every $1 of Orrstown Financial Services, Inc.'s yearly profit, lower than 80% of Financial Services companies in United States.
P/B ratio
1.40The share price is 1.40 times Orrstown Financial Services, Inc.'s book value per share, higher than 61% of Financial Services companies in United States.
Market cap
$872 MThe total market value of all of Orrstown Financial Services, Inc.'s shares at today's price (share price × number of shares), larger than 53% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$622 MWhat Orrstown Financial Services, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$31.60Net worth divided by the number of shares. The share price of $44.32 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
14.8%Orrstown Financial Services, Inc. earned 14.8% on its shareholders' money over the last year, higher than 74% of Financial Services companies in United States.
Owes vs Owns
0.89×Orrstown Financial Services, Inc. owes $0.89 for every $1 it owns (high), higher than 72% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.80%Orrstown Financial Services, Inc. pays 2.80% of its share price as dividends a year, lower than 51% of dividend-paying Financial Services companies in United States.
Revenue growth
+31%Revenue rose 31% in the year to Dec 2025, and grew 26% a year on average over 3 years.
Profit growth
+267%Net profit rose 267% in the year to Dec 2025, and grew 54% a year on average over 3 years.
Profit margin
32.5%Orrstown Financial Services, Inc. keeps $32 of every $100 of revenue as net profit.
Questions
What is Orrstown Financial Services, Inc.'s P/E ratio?
Investors pay $9.9 for every $1 of Orrstown Financial Services, Inc.'s yearly profit, lower than 80% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Orrstown Financial Services, Inc.: $872 M ÷ $622 M (30 Jun 2026) = 1.4.
What is Orrstown Financial Services, Inc.'s return on equity?
Orrstown Financial Services, Inc. earned 14.8% on its shareholders' money over the last year, higher than 74% of Financial Services companies in United States.
How much does Orrstown Financial Services, Inc. owe compared with what it owns?
Orrstown Financial Services, Inc. owes $0.89 for every $1 it owns (high), higher than 72% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Orrstown Financial Services, Inc. pay a dividend?
Yes. Orrstown Financial Services, Inc. pays 2.80% of its share price as dividends a year, lower than 51% of dividend-paying Financial Services companies in United States.
Is Orrstown Financial Services, Inc.'s revenue growing?
Revenue rose 31% in the year to Dec 2025, and grew 26% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.