Orrstown Financial Services Inc (ORRF)
NASDAQ:ORRF
ORRF Stock Chart & Stats
$38.39
$0.05(0.14%)
At close: 4:00 PM EST
$38.39
$0.05(0.14%)
Day’s Range― - ―
52-Week Range$25.68 - $40.72
Previous CloseN/A
Volume21.59K
Average Volume (3M)199.58K
Market Cap
$753.20M
Enterprise Value$1.05B
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. 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 Cap1.39
Enterprise Value/Revenue2.96
Enterprise Value/Gross Profit4.19
Enterprise Value/Ebitda8.98
Forecast
1Y Price Target
$42.50Price Target Upside10.71% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.22
Revenue Forecast (FY)$260.60M
Bulls Say, Bears Say
Bulls Say
Profitability ReboundOrrstown delivered a sustained profitability rebound with record annual net income and materially higher margins in 2025. Higher ROE and multi-year revenue growth indicate improved operating leverage and earnings power that support lending, capital build and shareholder returns over the medium term.
Diversified Fee IncomeFee and fiduciary income now comprise a meaningful, growing share of revenue (~21% annually; >20% in recent quarters). Expansion in wealth, merchant services and treasury fees reduces reliance on net interest margin and supports more stable revenue as loan spreads cycle across economic environments.
Capital And Credit DisciplineCapital metrics have strengthened with tangible common equity around 9% and a growing tangible book. Combined with minimal provisions and low net charge-offs, improving capital and conservative provisioning support continued loan growth, dividend increases and optionality for organic or strategic investments.
Bears Say
Weak Cash ConversionA sharp decline in free cash flow and worsening cash-to-earnings indicates weaker cash conversion of reported profits. This reduces internal funding for loan growth, tech and talent investments or buybacks, forcing greater reliance on deposits or borrowings and increasing liquidity strain risk.
Rising LeverageLeverage increased materially year-over-year, reducing balance-sheet flexibility. Higher absolute borrowings magnify funding-cost sensitivity and constrain capital maneuvers during stress, raising secular risk if earnings or loan quality unexpectedly deteriorate in a regional banking context.
NIM And Funding SensitivityMargins compressed recently and management's outlook assumes meaningful policy rate cuts to stabilize NIM. With deposits roughly flat and deposit cost ~1.98%, delays in funding-cost relief or slower rate moves could compress net interest margin and earnings, creating durable downside risk.
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 $25.68 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 $753.20M.
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 15 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
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$42.50 (10.71% Upside)
$42.50 (10.71% 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 $705.3K 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
14.41%
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
▲(10.71% Upside)
Technical Analysis
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Five Star
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Ownership Overview
4.49% Insiders
12.98% Mutual Funds
10.62% Other Institutional Investors
55.54% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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