Profitability
Weight: 25%
D+
42
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.7%
- Operating Margin Trend -1.92 pp/yr
ORRF
Orrstown Financial Services, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
D
38
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 8.0%
- 5yr Share-Count CAGR 10.8%
Growth Quality
Weight: 10%
A
91
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 17.1%
- 5yr EPS CAGR 9.0%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
100
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.32x
Balance Sheet
Weight: 30%
C+
61
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 10.7%
- Interest Coverage (EBIT/Int) 0.99x
Stability
Weight: 10%
C
52
- EPS Volatility (σ/μ) 0.54
- Piotroski F-Score 6
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 added; 1 full exit.
- Holders
- 1 -1
- Avg Δ position
- +4.9%
- New buys
- 0
- Full exits
- 1