Adam Metz - Orrstown Financial Executive Vice President and Chief Lending Officer

ORRF Stock  USD 26.11  0.31  1.20%   

President

Mr. Adam L. Metz is Executive Vice President and Chief Lending Officer of the Company. From 2011 to 2016, he served as Senior Vice President, Chief Lending Officer of Metro Bank headquartered in Harrisburg, PA. From 2006 to 2011, Mr. Metz served as Senior Vice President and Harrisburg Area Manager at Metro Bank. since 2016.
Age 52
Tenure 8 years
Address 77 East King Street, Shippensburg, PA, United States, 17257
Phone717 532 6114
Webhttps://www.orrstown.com

Orrstown Financial Management Efficiency

The company has return on total asset (ROA) of 0.0113 % which means that it generated a profit of $0.0113 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1369 %, meaning that it created $0.1369 on every $100 dollars invested by stockholders. Orrstown Financial's management efficiency ratios could be used to measure how well Orrstown Financial manages its routine affairs as well as how well it operates its assets and liabilities. The Orrstown Financial's current Return On Capital Employed is estimated to increase to 0.1, while Return On Tangible Assets are projected to decrease to 0.01. At this time, Orrstown Financial's Non Currrent Assets Other are most likely to increase significantly in the upcoming years. The Orrstown Financial's current Intangibles To Total Assets is estimated to increase to 0.01, while Total Current Assets are projected to decrease to roughly 74.9 M.
The company currently holds 190.99 M in liabilities with Debt to Equity (D/E) ratio of 0.18, which may suggest the company is not taking enough advantage from borrowing. Debt can assist Orrstown Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Orrstown Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Orrstown Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Orrstown to invest in growth at high rates of return. When we think about Orrstown Financial's use of debt, we should always consider it together with cash and equity.

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Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania. Orrstown Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 412 people. Orrstown Financial Services (ORRF) is traded on NASDAQ Exchange in USA. It is located in 77 East King Street, Shippensburg, PA, United States, 17257 and employs 410 people. Orrstown Financial is listed under Regional Banks category by Fama And French industry classification.

Management Performance

Orrstown Financial Leadership Team

Elected by the shareholders, the Orrstown Financial's board of directors comprises two types of representatives: Orrstown Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Orrstown. The board's role is to monitor Orrstown Financial's management team and ensure that shareholders' interests are well served. Orrstown Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Orrstown Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
Adam Bonanno, Chief VP
Neelesh CPA, CFO VP
Philip CPA, Executive Officer
Jeffrey Gayman, Executive Vice President - Retail Banking and Consumer Lending
Adam Metz, Executive Vice President and Chief Lending Officer
Matthew Dyckman, Executive Counsel
Robert Russoli, Senior Officer
Sean CPA, Senior Officer
Robert Coradi, Executive Vice President Chief Risk Officer
Thomas Quinn, CEO and President Director, CEO of Orrstown Bank and President of Orrstown Bank and Director of Orrstown Bank
Christopher Holt, Executive Region
Barbara Brobst, Chief Human Resource Officer, Executive Vice President

Orrstown Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Orrstown Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Currently Active Assets on Macroaxis

When determining whether Orrstown Financial is a strong investment it is important to analyze Orrstown Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Orrstown Financial's future performance. For an informed investment choice regarding Orrstown Stock, refer to the following important reports:
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Orrstown Financial Services. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in metropolitan statistical area.
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Is Orrstown Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Orrstown Financial. If investors know Orrstown will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Orrstown Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.07)
Dividend Share
0.8
Earnings Share
3.36
Revenue Per Share
12.627
Quarterly Revenue Growth
0.05
The market value of Orrstown Financial is measured differently than its book value, which is the value of Orrstown that is recorded on the company's balance sheet. Investors also form their own opinion of Orrstown Financial's value that differs from its market value or its book value, called intrinsic value, which is Orrstown Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Orrstown Financial's market value can be influenced by many factors that don't directly affect Orrstown Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Orrstown Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Orrstown Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Orrstown Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.