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Orrstown Financial Services Inc (ORRF)
NASDAQ:ORRF
ORRF Stock Chart & Stats
$34.76
$0.05(0.14%)
At close: 4:00 PM EST
$34.76
$0.05(0.14%)
Day’s Range― - ―
52-Week Range$25.57 - $40.72
Previous CloseN/A
Volume21.59K
Average Volume (3M)201.83K
Market Cap
$681.98M
Enterprise Value$976.27M
Total Cash (Recent Filing)$994.82M
Total Debt (Recent Filing)$336.37M
Price to Earnings (P/E)7.3
Beta0.84
Next Earnings
Apr 28, 2026EPS Estimate
1.01Next Dividend Ex-DateN/A
Dividend Yield2.93%
Share Statistics
EPS (TTM)1.11
Shares Outstanding19,619,799
10 Day Avg. Volume276,963
30 Day Avg. Volume201,831
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 Cap1.43
Enterprise Value/Revenue2.76
Enterprise Value/Gross Profit3.91
Enterprise Value/Ebitda8.37
Forecast
1Y Price Target
$42.50Price Target Upside22.27% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.24
Revenue Forecast (FY)$259.63M
Bulls Say, Bears Say
Bulls Say
Fee Income DiversificationFee income representing roughly one-fifth of operating income indicates durable revenue diversification beyond net interest margin. Stable wealth, treasury and merchant services fees smooth earnings through rate cycles, support cross-sell economics, and provide predictable recurring revenue to fund growth investments.
Sustained Loan Growth & PipelineConsistent loan origination and a stated 5%+ growth target reflect genuine middle-market traction and a robust origination pipeline. Durable loan growth supports net interest income expansion, enhances asset mix control, and provides compounding earnings potential if credit quality remains stable.
Improving Capital & Shareholder ReturnsRising tangible equity and a dividend increase signal stronger capitalization and management discipline. A ~9% TCE provides a buffer for credit or market stress, supports continued lending and strategic investments, and preserves optionality for buybacks or M&A over the medium term.
Bears Say
Weak Cash ConversionA sharp decline in free cash flow and a collapse in cash-to-earnings indicate weaker cash conversion of reported profits. Over months this limits capacity to self-fund dividend growth, buybacks or investment, increases sensitivity to working capital shifts, and raises reliance on external funding.
Rising LeverageMaterial debt increase and higher leverage reduce balance-sheet flexibility. In a regional bank context this raises funding-cost and refinancing sensitivity, amplifies downside in stress scenarios, and constrains strategic options if earnings weaken or credit costs rise.
Deposit Stability & Funding SensitivityFlat deposit balances and lagging repricing create funding risk and compress margin optionality. Elevated deposit costs limit low-cost funding, make NIM sensitive to competitor pricing and outflows, and reduce headroom to absorb weaker loan yields absent cheaper core funding.
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 $681.98M.
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 36 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 19,619,799 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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$42.50 (22.27% Upside)
$42.50 (22.27% Upside)
Blogger Sentiment
Neutral
ORRF Sentiment 100%
Sector Average 68%
Sector Average 68%
Hedge Fund Trend
Increased
By 9.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $705.3K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 2.9%
Last 30 Days ▼ 2.9%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
16.50%
12-Months-Change
Fundamentals
Return on Equity
14.41%
Trailing 12-Months
Asset Growth
1.76%
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
▲(22.27% 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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