Orrstown Financial Services, In — Earnings Quality Grade F
ORRF · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 31 days, change -9 days YoY
AR growth 2.0% vs revenue growth 30.7%
Revenue 30.7%, CFFO 113.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 167.7% is >2x revenue growth 30.7%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.92. Profits backed by cash
FCF $0.1B, FCF/NI = 0.87
Accruals ratio = 0.1%. Low accruals
Cash $0.1B covers only 48% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 18% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -7% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Orrstown Financial Services, In is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25