Orrstown Financial Services, Inc. Financial Ratios — ORRF

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	-158.65	- -	- -	- -	147.3	64.73	56.61	61.8	55.68	58.47	49.09	25.57	33.75	17.94	51.28
Return on Assets (%)	-2.16	-2.87	0.83	2.46	0.63	0.49	0.54	0.73	0.78	1.03	1.18	0.77	1.19	0.52	1.47
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.69	4.34	5.77	5.46	5.51	5.31	5.18	5.03	5.73	5.93	4.62	3.69	3.36	5.09	6.14
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-56.85	-50.7	20.06	25.01	18.04	14.21	19.73	19.96	20.28	29.33	35.58	21.24	34.83	14.6	41.23
Profit Margin (%)	-42.43	-63.92	20.48	56.03	14.94	11.93	12.84	17.69	17.48	23.87	28.61	17.59	27.58	11.58	32.48
Net Income to Common Margin (%)	-42.43	-63.92	20.48	56.03	14.94	11.93	12.84	17.69	17.48	23.87	28.61	17.59	27.58	11.58	32.48
Effective Tax Rate (%)	- -	- -	- -	- -	17.19	16.04	34.91	11.35	13.8	18.6	19.6	17.2	20.81	20.7	21.22
Dvd Payout Ratio (%)	-17.27	- -	- -	- -	23.14	43.72	43.11	34.17	36.34	28.76	25.18	37.5	23.79	59.76	25.53
Sustainable Growth Rate (%)	-186.06	- -	- -	- -	113.22	36.43	32.2	40.69	35.44	41.66	36.73	15.98	25.72	7.22	38.19

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	74	37	66	80	84	76	134	170	396	90	34	138	170	184	312
ST Debt	20	- -	50	65	60	52	50	55	155	- -	- -	- -	- -	- -	- -
LT Debt	54	37	16	15	24	24	84	115	242	90	34	138	170	184	312
Total Debt/EBITDA	26.57	14.34	23.46	28.12	29.07	25.81	40.98	46.76	71.46	13.68	6.38	29.91	39.08	18.99	20.42
Net Debt/EBITDA	-12.91	-43.33	10.12	17.06	19.32	15.55	31.86	27.04	61.37	-5.37	-32.96	16.74	24.06	-6.69	10.61
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.11	-2.99	-2.28	0.19	0.65	0.86	1.06	1.29	1.5	1.99	2.8	3.18	3.86	2.34	3.39
Long-Term Debt/Equity (%)	41.97	42.73	17.58	11.64	18.41	17.92	57.9	66.49	108.18	36.53	12.46	60.36	63.98	35.62	52.71
Long-Term Debt/Capital (%)	71.34	5,928.8	40.97	18.04	26.38	27.37	55.77	59.05	55.88	62.19	29.93	59.75	58.92	59.06	62.41
Long-Term Debt/Total Assets (%)	3.73	3.04	1.36	1.24	1.89	1.71	5.38	5.96	10.13	3.27	1.19	4.73	5.53	3.38	5.63
Total Debt/Equity (%)	57.57	42.73	72.26	62.71	63.5	56.48	92.44	98.2	177.55	36.53	12.46	60.36	63.98	35.62	52.71
Total Debt/Capital (%)	97.86	5,928.8	168.37	97.18	90.98	86.29	89.04	87.22	91.71	62.19	29.93	59.75	58.92	59.06	62.41
Total Debt/Total Assets (%)	5.11	3.04	5.61	6.7	6.54	5.38	8.58	8.8	16.63	3.27	1.19	4.73	5.53	3.38	5.63
Net Debt to Equity	-27.98	-129.11	31.19	38.03	42.2	34.03	71.85	56.79	152.48	-14.34	-64.36	33.79	39.4	-12.55	27.39
Net Debt/Capital (%)	104.71	75.45	1,693.41	95.43	87.02	79.13	86.32	79.78	90.48	-182.25	182.97	45.39	46.9	-103.34	46.32
EBITDA	3	3	3	3	3	3	3	4	6	7	5	5	4	10	15
EBITDA-CapEx	1	1	1	2	1	-10	1	-1	3	5	4	4	2	8	11
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.11	-2.99	-2.28	0.19	0.65	0.86	1.06	1.29	1.5	1.99	2.8	3.18	3.86	2.34	3.39
Long-Term Debt/Equity (%)	41.97	42.73	17.58	11.64	18.41	17.92	57.9	66.49	108.18	36.53	12.46	60.36	63.98	35.62	52.71
Long-Term Debt/Capital (%)	71.34	5,928.8	40.97	18.04	26.38	27.37	55.77	59.05	55.88	62.19	29.93	59.75	58.92	59.06	62.41
Long-Term Debt/Total Assets (%)	3.73	3.04	1.36	1.24	1.89	1.71	5.38	5.96	10.13	3.27	1.19	4.73	5.53	3.38	5.63
Total Debt/Equity (%)	57.57	42.73	72.26	62.71	63.5	56.48	92.44	98.2	177.55	36.53	12.46	60.36	63.98	35.62	52.71
Total Debt/Capital (%)	97.86	5,928.8	168.37	97.18	90.98	86.29	89.04	87.22	91.71	62.19	29.93	59.75	58.92	59.06	62.41
Total Debt/Total Assets (%)	5.11	3.04	5.61	6.7	6.54	5.38	8.58	8.8	16.63	3.27	1.19	4.73	5.53	3.38	5.63
CFO/Total Liabilities	2.65	1.63	3.03	1.62	1.05	1.22	1.16	1.28	0.42	1.2	1.59	1.34	1.56	0.71	1.51
CFO/CapEx	24.1	11.64	17.64	20.09	8.27	1.17	6.16	4.69	3.12	23.16	32.54	40.44	19.06	22.1	17.65
Altman's Z-Score	0.08	0.05	0.08	0.12	0.12	0.14	0.14	0.11	0.13	0.11	0.14	0.14	0.16	0.13	0.18

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	14.68	15.55	14.83	16.01	15.19	13.04	12.96	13.19	16.18	14.81	13.39	13.01	10.49	10.98	11.7
Days Sales Outstanding	24.86	23.47	24.62	22.8	24.03	27.99	28.16	27.67	22.56	24.64	27.25	28.05	34.8	33.25	31.18
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	66	78	132	138	145	181	204	152	234	181	276	244	305	540	680
- Cash & Cash Equivalents	110	151	38	31	28	30	30	72	56	125	209	61	65	249	150
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	74	37	66	80	84	76	134	170	396	90	34	138	170	184	312
Enterprise Value	-280	-337	-246	-190	-193	-173	-107	-215	84	-321	-371	-192	-104	-354	841
Total Capital	75	1	39	82	93	88	150	195	432	145	113	231	288	312	500
Total Debt/Capital (%)	97.86	5,928.8	168.37	97.18	90.98	86.29	89.04	87.22	91.71	62.19	29.93	59.75	58.92	59.06	62.41
Total Debt / EV	-0.26	-0.11	-0.27	-0.42	-0.44	-0.44	-1.25	-0.79	4.72	-0.28	-0.09	-0.72	-1.63	-0.52	0.37
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	0.87	- -	- -	- -	- -	- -	3.38
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	15.13	- -	- -	- -	- -	- -	55.07
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	9.23	- -	- -	- -	- -	- -	11.25
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	6.99	- -	- -	- -	- -	- -	10.65
Diluted Market Cap	66	78	132	138	145	182	208	155	238	183	280	248	308	546	686
Diluted Enterprise Value	30	-35	161	186	201	228	312	254	578	147	105	325	412	481	848
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	8.1	- -	- -	- -	- -	- -	43.8
TTM Sales	75	60	49	52	53	56	63	72	97	111	115	125	129	190	249
TTM EBITDA	3	3	3	3	3	3	3	4	6	7	5	5	4	10	15
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	35	19	33	17	12	16	16	22	9	30	41	36	44	35	75
TTM Free Cash Flow to Firm	36	20	35	18	14	29	19	27	12	31	42	37	46	37	79

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	1.82	3.84	3.8	7.62	10.66	6.3	10.93	5.7	19.82	5.8	6.65	6.69	6.69	14.94	8.68
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-280	-337	-246	-190	-193	-173	-107	-215	84	-321	-371	-192	-104	-354	841
Low Price	7.9	7.45	9.49	15.33	15.1	16.6	19.05	18.1	17.3	11.4	16.28	21.81	15.52	24.7	25.57
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	0.87	- -	- -	- -	- -	- -	3.38
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	15.13	- -	- -	- -	- -	- -	55.07
Price/Earnings	- -	- -	13.23	4.73	18.45	27.32	25.25	11.9	13.85	6.84	8.41	11.09	8.55	24.51	8.41
Price/Earnings Average	-4.99	-1.77	12.19	4.57	17.67	23.45	23.28	15.91	12.87	6.37	7.63	11.89	6.28	20.84	7.84
Price/Earnings High	-7.41	-2.37	14.56	4.87	19.08	28.96	26.95	17.68	14.38	9.46	8.64	13.61	8.64	28.11	9.11
Price/Earnings Low	-1.98	-1.56	7.68	4.27	15.61	20.24	19.05	11.83	10.59	4.71	5.43	10.44	4.5	16.53	6.07
Price/Book Value	41.03	-2.11	-4.93	59.55	17.34	14.96	12.4	6.11	6.54	3.31	3.49	2.63	2.58	4.24	3.62
Price/Book Value Average	98.83	-1.85	-4.54	57.46	16.62	12.84	11.43	8.16	6.08	3.08	3.16	2.82	1.89	3.6	3.38
Price/Book Value High	146.71	-2.47	-5.43	61.3	17.94	15.86	13.23	9.07	6.79	4.58	3.58	3.22	2.6	4.86	3.92
Price/Book Value Low	39.29	-1.63	-2.86	53.7	14.68	11.08	9.35	6.07	5	2.28	2.25	2.47	1.36	2.86	2.61
Price/Tangible Book Value	0.52	0.9	1.46	1.09	1.09	1.34	1.42	0.97	1.19	0.82	1.11	1.18	1.25	1.35	1.41
Price/Tangible Book Value Average	1.25	0.78	1.34	1.05	1.05	1.15	1.31	1.3	1.11	0.76	1.01	1.27	0.92	1.15	1.31
Price/Tangible Book Value High	1.86	1.05	1.6	1.12	1.13	1.42	1.52	1.44	1.24	1.13	1.14	1.45	1.26	1.55	1.52
Price/Tangible Book Value Low	0.5	0.69	0.85	0.98	0.93	0.99	1.07	0.97	0.91	0.56	0.72	1.11	0.66	0.91	1.01
Price/Sales	0.88	1.29	2.71	2.65	2.76	3.26	3.24	2.11	2.42	1.63	2.4	1.95	2.36	2.84	2.73
Price/Sales Average	2.12	1.13	2.5	2.56	2.64	2.8	2.99	2.82	2.25	1.52	2.18	2.09	1.73	2.41	2.55
Price/Sales High	3.14	1.51	2.98	2.73	2.85	3.46	3.46	3.13	2.51	2.26	2.47	2.39	2.38	3.26	2.96
Price/Sales Low	0.84	1	1.57	2.39	2.33	2.42	2.45	2.09	1.85	1.13	1.55	1.84	1.24	1.91	1.97
Price/Cash Flow	1.9	4.17	4.01	7.99	11.95	11.62	12.49	6.78	25.79	6	6.77	6.75	6.98	15.46	9.1
Price/Cash Flow Average	4.58	3.65	3.7	7.71	11.44	9.97	11.52	9.06	23.97	5.59	6.15	7.24	5.12	13.15	8.48
Price/Cash Flow High	6.79	4.88	4.42	8.23	12.36	12.32	13.33	10.07	26.77	8.3	6.96	8.29	7.05	17.73	9.86
Price/Cash Flow Low	1.82	3.22	2.33	7.21	10.11	8.61	9.43	6.74	19.72	4.13	4.37	6.36	3.67	10.43	6.57
Price/Free Cash Flow Average	4.39	3.37	3.5	7.35	10.21	5.41	10.08	7.62	18.42	5.4	6.04	7.17	4.91	12.71	8.09
Price/Free Cash Flow High	6.52	4.49	4.18	7.84	11.02	6.68	11.67	8.47	20.57	8.02	6.84	8.2	6.76	17.14	9.41
Price/Free Cash Flow Low	1.75	2.97	2.21	6.87	9.02	4.67	8.25	5.66	15.16	4	4.3	6.3	3.52	10.08	6.27
EV/Sales Average	1.64	- -	3.08	3.49	3.7	3.63	4.64	4.18	5.77	1.2	0.66	2.71	2.54	2.07	3.2
EV/Sales High	2.67	- -	3.57	3.66	3.91	4.28	5.11	4.49	6.03	1.94	0.95	3.01	3.19	2.91	3.61
EV/Sales Low	0.37	- -	2.16	3.32	3.4	3.24	4.1	3.45	5.37	0.81	0.03	2.45	2.05	1.57	2.62
EV/EBITDA Average	44.51	-17.23	53.41	63.97	67.18	68.23	89.55	82.99	100.65	20.27	14.34	73.45	75.63	40.74	52.12
EV/EBITDA High	72.32	-8.48	61.84	67.1	70.99	80.6	98.63	89.2	105.23	32.72	20.6	81.66	95.04	57.27	58.87
EV/EBITDA Low	9.91	-20.33	37.39	60.9	61.61	61.02	79.06	68.64	93.69	13.61	0.7	66.56	61.04	30.94	42.76
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.25	9.64	16.35	17	17.84	22.4	25.25	18.21	22.62	16.55	25.2	23.16	29.5	36.61	35.42
High Price	29.5	11.29	18	17.5	18.45	23.75	26.95	27.05	23.48	22.88	25.91	28.42	29.79	41.99	38.38
Enterprise Value Average	124	-45	150	182	195	201	292	302	558	133	76	339	328	395	796
Enterprise Value High	201	-22	174	190	206	238	322	325	584	215	109	377	412	555	899
Enterprise Value Low	28	-53	105	173	179	180	258	250	520	89	4	308	265	300	653

Shares Outstanding	8	8	8	8	8	8	8	9	11	11	11	11	11	19	20
Diluted Weighted Avg Shares	8	8	8	8	8	8	8	9	11	11	11	11	10	15	19
Basic Weighted Avg Shares	8	8	8	8	8	8	8	8	10	11	11	11	10	15	19
Revenue per Share	9.38	7.46	6.03	6.41	6.47	6.87	7.79	8.65	9.34	10.13	10.48	11.87	12.51	12.9	12.96
EBITDA per Share	0.35	0.32	0.35	0.35	0.36	0.37	0.4	0.44	0.54	0.6	0.48	0.44	0.42	0.66	0.8
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-3.98	-4.77	1.24	3.59	0.97	0.82	1	1.53	1.63	2.42	3	2.09	3.45	1.49	4.21
Basic EPS from Cont Ops	-3.98	-4.77	1.24	3.59	0.97	0.82	1	1.53	1.63	2.42	3	2.09	3.45	1.49	4.21
Diluted EPS, GAAP	-3.98	-4.77	1.24	3.59	0.97	0.81	0.98	1.5	1.61	2.4	2.96	2.06	3.42	1.48	4.18
Diluted EPS from Cont Ops	-3.98	-4.77	1.24	3.59	0.97	0.81	0.98	1.5	1.61	2.4	2.96	2.06	3.42	1.48	4.18
Dividend per Share	0.69	- -	- -	- -	0.22	0.36	0.43	0.52	0.59	0.7	0.75	0.78	0.82	0.89	1.08
Cash Flow per Share	4.34	2.31	4.07	2.13	1.49	1.93	2.02	2.69	0.88	2.76	3.72	3.43	4.23	2.37	3.89
Free Cash Flow per Basic Share	4.16	2.11	3.84	2.02	1.31	0.27	1.69	2.11	0.6	2.64	3.61	3.34	4	2.26	3.67
Cash & Equivalents per Share	52.33	56.12	54.92	50.22	51.89	53.25	55.02	64.24	52.77	54.08	62.11	54.44	55.97	73.07	7.86
Book Value per Share	0.2	-4.57	-3.32	0.29	1.03	1.5	2.04	2.98	3.46	5	7.23	8.82	11.44	8.64	9.78
Tangible Book Value per Share	15.84	10.77	11.22	15.63	16.32	16.68	17.76	18.75	18.93	20.29	22.68	19.62	23.59	27.15	25.2

Orrstown Financial Services, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)