Want to see ORRF full AI Analyst Report?
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$31.51 - $42.54
Previous CloseN/A
Volume21.59K
Average Volume (3M)199.58K
Market Cap
$812.83M
Enterprise Value$1.03K
Total Cash (Recent Filing)$996.03M
Total Debt (Recent Filing)$263.23M
Price to Earnings (P/E)9.0
Beta0.86
Next Earnings
Oct 27, 2026EPS Estimate
1.09Next Dividend Ex-DateN/A
Dividend Yield2.72%
Share Statistics
EPS (TTM)4.57
Shares Outstanding19,647,812
10 Day Avg. Volume140,139
30 Day Avg. Volume199,582
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)1.00
Price to Sales (P/S)1.67
P/FCF Ratio8.36
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$44.50Price Target Upside13.64% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.21
Revenue Forecast (FY)$259.48M
Bulls Say, Bears Say
Bulls Say
Improved Profitability And MarginsTTM margins and operating profitability rebounded materially versus 2024, reflecting stronger core earnings power. Sustained higher margins improve internal capital generation, fund dividends and investments, and provide a durable buffer against cyclical rate or credit pressures over the next several quarters.
Deposit Growth And Funding ImprovementLarge inflows concentrated in demand and noninterest‑bearing accounts reduced reliance on borrowings and lowered funding costs. A stickier, low‑cost deposit mix is a structural strength that supports sustainable NIM, funds loan growth internally and reduces wholesale funding exposure over the medium term.
Redeeming Higher‑cost Subordinated DebtRetiring $31M of higher‑cost subordinated notes structurally reduces future interest expense and improves the funding mix. This capital action should enhance regulatory capital metrics and NIM durability, strengthening the balance sheet and earnings capacity over the coming quarters.
Bears Say
Net Interest Margin Sensitivity And CompressionA 10bp quarterly NIM decline highlights structural sensitivity to rate moves and funding dynamics. If deposit stabilization and lower borrowings are slower than expected, persistent margin compression could reduce core net interest income and constrain medium‑term earnings and capital generation.
Emerging Credit Stress IndicatorsModest but rising charge‑offs and an increase in nonaccruals flag localized asset‑quality deterioration. Combined with rapid loan production, these signs could force higher provisions and depress returns if credit weakness broadens, making credit risk a medium‑term monitoring item.
Rapid Balance‑sheet Expansion And Historical LeverageFast asset growth and a history of elevated leverage reduce margin for error: if funding costs rise or credit quality slips, the bank may face greater capital and liquidity strain. This structural growth profile increases the importance of disciplined underwriting and capital planning over the next several quarters.
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 $31.51 and its highest was $42.54 in the past 12 months.
What is Orrstown Financial Services Inc’s market cap?
Orrstown Financial Services Inc’s market cap is $812.83M.
When is Orrstown Financial Services Inc’s upcoming earnings report date?
Orrstown Financial Services Inc’s upcoming earnings report date is Oct 27, 2026 which is in 94 days.
How were Orrstown Financial Services Inc’s earnings last quarter?
Orrstown Financial Services Inc released its earnings results on Jul 21, 2026. The company reported $1.09 earnings per share for the quarter, beating the consensus estimate of $1.027 by $0.063.
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 2.72%. 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 1.09.
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 $1.09 in its last earnings report, beating expectations of $1.027. Following the earnings report the stock price went up 0.267%.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$44.50 (13.64% Upside)
$44.50 (13.64% Upside)
Blogger Sentiment
Bullish
ORRF Sentiment 100%
Sector Average 60%
Sector Average 60%
Hedge Fund Trend
Increased
By 8.6K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
47.37%
12-Months-Change
Fundamentals
Return on Equity
2.72%
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 Stock 12 Month Forecast
Average Price Target
$44.50
▲(13.64% Upside)
Technical Analysis
Camden National
―
First Financial Indiana
―
Great Southern Bancorp
―
Five Star
―
NB Bancorp, Inc.
―
Ownership Overview
4.86% Insiders
14.01% Mutual Funds
0.29% Other Institutional Investors
59.19% Public Companies and
Individual Investors