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Orrstown Financial Services Inc (ORRF)
NASDAQ:ORRF
ORRF Stock Chart & Stats
$35.94
$0.05(0.14%)
At close: 4:00 PM EST
$35.94
$0.05(0.14%)
Day’s Range― - ―
52-Week Range$25.57 - $40.72
Previous CloseN/A
Volume21.59K
Average Volume (3M)238.58K
Market Cap
$700.79M
Enterprise Value$995.07M
Total Cash (Recent Filing)$851.35M
Total Debt (Recent Filing)$278.69M
Price to Earnings (P/E)8.6
Beta0.85
Next Earnings
Apr 28, 2026EPS Estimate
1.01Next Dividend Ex-DateN/A
Dividend Yield2.93%
Share Statistics
EPS (TTM)1.11
Shares Outstanding19,498,770
10 Day Avg. Volume156,623
30 Day Avg. Volume238,584
Financial Highlights & Ratios
PEG Ratio-0.43
Price to Book (P/B)1.05
Price to Sales (P/S)1.90
P/FCF Ratio16.19
Enterprise Value/Market Cap1.42
Enterprise Value/Revenue2.81
Enterprise Value/Gross Profit4.07
Enterprise Value/Ebitda9.23
Forecast
1Y Price Target
$42.50Price Target Upside18.25% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.22
Revenue Forecast (FY)$259.63M
Bulls Say, Bears Say
Bulls Say
Strong Margins And ProfitabilitySustained high gross and net margins indicate durable cost discipline and pricing power in core banking and fee businesses. Combined with positive revenue growth, margins support lasting earnings resilience across rate cycles and provide capacity to reinvest or return capital to shareholders.
Robust Free Cash Flow GenerationVery strong free cash flow growth and high FCF-to-net-income conversion show the company converts earnings into cash efficiently. This enhances funding flexibility for loan growth, dividends, and capital actions while reducing reliance on external funding over the medium term.
Improving Capital And Low Credit LossesHealthy capital ratios and conservative loan-loss provisioning provide a durable buffer against credit cycles. Low net charge-offs and a stable allowance suggest prudent underwriting, supporting the bank's ability to grow loans and maintain shareholder distributions through economic volatility.
Bears Say
NIM Compression And Rate SensitivityMargin erosion from lower variable loan yields and deposit rate lag is a structural risk to net interest income. If policy rates decline further or loan repricing slows, persistent NIM pressure could reduce core profitability absent offsetting fee growth or expense cuts over coming quarters.
Deposit Growth And Funding Cost PressureFlat deposit balances and elevated funding costs constrain low-cost funding availability for loan growth. A continued deposit mix or pricing mismatch reduces net yield and forces reliance on higher-cost funding or slower loan growth, limiting sustainable margin expansion.
Elevated Noninterest Expenses From Talent InvestmentsSustained increases in personnel and technology spending may compress operating leverage if revenue ramps slower than planned. While strategic, elevated expense run-rate reduces near-term margin flexibility and creates execution risk that investments generate expected fee and loan growth over the medium term.
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 $25.57 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 $700.79M.
When is Orrstown Financial Services Inc’s upcoming earnings report date?
Orrstown Financial Services Inc’s upcoming earnings report date is Apr 28, 2026 which is in 57 days.
How were Orrstown Financial Services Inc’s earnings last quarter?
Orrstown Financial Services Inc released its earnings results on Jan 27, 2026. The company reported $1.11 earnings per share for the quarter, beating the consensus estimate of $1.062 by $0.048.
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 $0.27 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 1.01.
How many shares outstanding does Orrstown Financial Services Inc have?
Orrstown Financial Services Inc has 19,498,770 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 $1.11 in its last earnings report, beating expectations of $1.062. Following the earnings report the stock price went down -4.13%.
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
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$42.50 (18.25% Upside)
$42.50 (18.25% Upside)
Blogger Sentiment
Neutral
ORRF Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 9.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $471.2K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.2%
Last 30 Days ▼ 5.1%
Last 30 Days ▼ 5.1%
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.02%
12-Months-Change
Fundamentals
Return on Equity
14.59%
Trailing 12-Months
Asset Growth
1.46%
Trailing 12-Months
Company Description
Orrstown Financial Services Inc
Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits. It also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans comprising home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, the company provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as provides other fiduciary services under the Orrstown Financial Advisors name; and offers retail brokerage services through a third-party broker/dealer arrangement. Further, it offers investment advisory, insurance, and brokerage services. The company operates through offices in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York counties, Pennsylvania; and Anne Arundel, Baltimore, Howard, and Washington counties, Maryland, as well as Baltimore City, Maryland. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania.
ORRF Company Deck
ORRF Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call was broadly positive: management reported record annual and strong quarterly earnings, solid loan growth and fee-income expansion, improved capital metrics, low credit losses, and strategic repositioning of the investment portfolio. Headwinds include quarter-to-quarter NIM compression driven by lower variable loan yields and deposit pricing lag, slightly elevated operating expenses due to targeted talent investments, flat deposit balances, and localized credit stress that increased non-accruals. Management presented conservative but constructive guidance and emphasized optionality in capital deployment.View all ORRF earnings summariesORRF Stock 12 Month Forecast
Average Price Target
$42.50
▲(18.25% 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
4.49% Insiders
13.09% Mutual Funds
10.69% Other Institutional Investors
56.07% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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