Orrstown Financial Services Inc (ORRF)
NASDAQ:ORRF
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ORRF Stock Chart & Stats
$39.16
$0.05(0.14%)
At close: 4:00 PM EST
$39.16
$0.05(0.14%)
Day’s Range― - ―
52-Week Range$29.39 - $40.72
Previous CloseN/A
Volume21.59K
Average Volume (3M)199.58K
Market Cap
$784.73M
Enterprise Value$943.74M
Total Cash (Recent Filing)$996.03M
Total Debt (Recent Filing)$263.23M
Price to Earnings (P/E)9.1
Beta0.85
Next Earnings
Jul 28, 2026EPS Estimate
1.03Next Dividend Ex-DateN/A
Dividend Yield2.93%
Share Statistics
EPS (TTM)4.57
Shares Outstanding19,647,812
10 Day Avg. Volume140,139
30 Day Avg. Volume199,582
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)1.00
Price to Sales (P/S)1.67
P/FCF Ratio8.36
Enterprise Value/Market Cap1.20
Enterprise Value/Revenue2.64
Enterprise Value/Gross Profit3.72
Enterprise Value/Ebitda7.82
Forecast
1Y Price Target
$42.00Price Target Upside7.25% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.2
Revenue Forecast (FY)$259.57M
Bulls Say, Bears Say
Bulls Say
Improved Profitability And ReturnsSustained higher ROAE and ROAA indicate the franchise has restored earnings power versus prior years. Durable profitability improves internal capital generation, funds dividends and loan growth, and provides a buffer to absorb cyclical headwinds without immediate reliance on external capital.
Deposit Growth Strengthening Funding MixMeaningful deposit inflows, skewed to low‑cost demand and noninterest-bearing balances, reduce reliance on borrowings and lower funding costs. A stable deposit franchise supports sustainable loan growth and margin recovery over multiple quarters.
Solid Cash Generation And Capital BuildStrong operating cash conversion and rising tangible equity (TCE) reflect genuine earnings-to-capital conversion. Consistent cash flow supports dividend payouts, internal reinvestment, and absorption of modest credit or securities mark losses without immediate capital raises.
Bears Say
Net Interest Margin PressureA reliance on net interest margin means persistent NIM compression from lower loan yields or elevated funding costs can structurally reduce earnings. Given variable-rate exposure and sensitivity to deposit and borrowing trends, margins may remain pressured across several quarters.
Unrealized Losses On Investment SecuritiesGrowing unrealized securities losses reduce regulatory and tangible capital headroom and can limit strategic flexibility. If rates stay elevated or the securities mix remains duration-sensitive, mark-to-market losses could be a recurring capital drag rather than a one-off effect.
Rapid Balance-sheet Expansion And Past Higher LeverageQuick asset growth after a period of higher leverage raises underwriting, concentration and funding risks. If asset quality or funding conditions worsen, past leverage and rapid expansion amplify downside, potentially requiring higher provisions or slower growth to restore conservative metrics.
Orrstown Financial Services News
ORRF FAQ
What was Orrstown Financial Services Inc’s price range in the past 12 months?
Orrstown Financial Services Inc lowest stock price was $29.39 and its highest was $40.72 in the past 12 months.
What is Orrstown Financial Services Inc’s market cap?
Orrstown Financial Services Inc’s market cap is $784.73M.
When is Orrstown Financial Services Inc’s upcoming earnings report date?
Orrstown Financial Services Inc’s upcoming earnings report date is Jul 28, 2026 which is in 43 days.
How were Orrstown Financial Services Inc’s earnings last quarter?
Orrstown Financial Services Inc released its earnings results on Apr 21, 2026. The company reported $1.12 earnings per share for the quarter, beating the consensus estimate of $1.007 by $0.113.
Is Orrstown Financial Services Inc overvalued?
According to Wall Street analysts Orrstown Financial Services Inc’s price is currently Undervalued.
Does Orrstown Financial Services Inc pay dividends?
Orrstown Financial Services Inc pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 2.93%. See more information on Orrstown Financial Services Inc dividends here
What is Orrstown Financial Services Inc’s EPS estimate?
Orrstown Financial Services Inc’s EPS estimate is 1.03.
How many shares outstanding does Orrstown Financial Services Inc have?
Orrstown Financial Services Inc has 19,647,812 shares outstanding.
What happened to Orrstown Financial Services Inc’s price movement after its last earnings report?
Orrstown Financial Services Inc reported an EPS of $1.12 in its last earnings report, beating expectations of $1.007. Following the earnings report the stock price went down -4.953%.
Which hedge fund is a major shareholder of Orrstown Financial Services Inc?
Currently, no hedge funds are holding shares in ORRF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Orrstown Financial Services Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$42.00 (7.25% Upside)
$42.00 (7.25% Upside)
Blogger Sentiment
Neutral
ORRF Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 8.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $234.1K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
47.37%
12-Months-Change
Fundamentals
Return on Equity
14.62%
Trailing 12-Months
Asset Growth
2.49%
Trailing 12-Months
Company Description
Orrstown Financial Services Inc
Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles like trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor. It also facilitates retail brokerage services through a collaborative arrangement with an external broker/dealer, and provides direct investment advisory and insurance services. Established in 1919, Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania. Its operational footprint spans multiple counties in Pennsylvania (Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (Anne Arundel, Baltimore, Howard, and Washington, alongside Baltimore City).
ORRF Company Deck
ORRF Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a generally positive tone: strong profitability (net income, ROAE, ROAA), healthy deposit and loan production, growing fee income, expense reduction and rapidly building capital were emphasized as core strengths. The main challenges were a modest quarter-over-quarter NIM decline (10 bps) driven by temporary funding pressures from extended seasonal deposit runoff, some decline in loan yields, modest net charge-offs (~$0.9M) and increased unrealized losses on securities. Management expects funding costs and margins to improve in Q2 and maintained guidance, suggesting the negatives are viewed as transitory.View all ORRF earnings summariesORRF Stock 12 Month Forecast
Average Price Target
$42.00
▲(7.25% Upside)
Technical Analysis
Camden National
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First Financial Indiana
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Great Southern Bancorp
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Five Star
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NB Bancorp, Inc.
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Ownership Overview
4.84% Insiders
12.74% Mutual Funds
8.72% Other Institutional Investors
52.61% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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