ORRSTOWN FINANCIAL SERVICES INC (ORRF)
State Commercial Banks · Financial Services · $768M
Intrinsic Value (Consensus)
$86.50
Current Price
$39.17
Margin of Safety
+120.8%
120.8% Below Intrinsic Value
Value: $87
Price: $39
Valuation Model Estimates
Current Price: $39.17
DCF (Discounted Cash Flow)
$168.58
Graham Number
$53.26
Earnings Power Value
$40.58
Relative Value (P/E)
$83.60
Dividend Discount Model
$253.33
Consensus Value
$86.50
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
A
86
Profitability
18/25
Strength
24/25
Valuation
22/25
Growth
22/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (9.2%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $4.18
- EPS (Forward)
- $5.02
- Book Value
- $30.16
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 13.7%
- Debt/Equity
- 7%
- Revenue Growth
- 36.0%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.9%
- Beta
- 1.00
Similar Stocks (Financial Services)
AACBRArtius II Acquisitio...
$3.57+300%
ACGLNArch Capital Group L...
$225.25+300%
ACGLOArch Capital Group L...
$225.25+300%
AFGBAmerican Financial G...
$182.24+300%
AFGCAmerican Financial G...
$182.24+300%
Data last updated: 2026-06-16
Source: Yahoo Finance