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Orrstown Financial Services Inc

NAS:ORRFFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$41.31−0.84%At closeAt close · Tue 20 Oct · ≈ AED 151.71 · Market cap $812.55M · Next earnings Tue 20 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	83.2%	93.6%	90.2%	73.2%	61.2%	70.6%	—	—
Operating margin	25.6%	33.6%	19.8%	25.8%	9.8%	29.0%	29.0%	+0.0 pts
Net margin	20.9%	27.0%	16.4%	20.5%	7.8%	22.8%	22.8%	+0.0 pts
EBITDA margin	30.8%	38.0%	23.3%	28.3%	13.2%	33.0%	—	—
Return on equity	10.7%	12.1%	9.6%	13.5%	4.3%	13.7%	13.7%	+0.0 pts
Return on assets	1.0%	1.2%	0.8%	1.2%	0.4%	1.5%	1.5%	+0.0 pts
Return on capital employed	8.7%	11.8%	6.2%	9.1%	3.5%	2.2%	—	—
Debt / equity	0.4×	0.2×	0.7×	0.7×	0.4×	0.6×	0.6×	+0.0%
Debt / assets	4.0%	2.0%	5.3%	5.9%	3.9%	6.1%	—	—
Interest coverage	2.0×	6.1×	2.9×	1.0×	0.3×	1.0×	—	—
Current ratio	0.3×	0.3×	0.2×	0.2×	0.2×	1.1×	1.1×	+0.0%
Quick ratio	0.3×	0.3×	0.2×	0.2×	0.2×	1.1×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.0×	0.1×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	—	—
Receivables turnover	14.2×	14.8×	12.2×	12.8×	13.5×	16.5×	—	—
Dividend payout	28.8%	25.2%	37.5%	23.8%	59.8%	25.5%	—	—