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$29.31 - $40.72
Previous CloseN/A
Volume21.59K
Average Volume (3M)199.58K
Market Cap
$720.83M
Enterprise Value$930.93M
Total Cash (Recent Filing)$994.82M
Total Debt (Recent Filing)$336.37M
Price to Earnings (P/E)8.0
Beta0.86
Next Earnings
Jul 28, 2026EPS Estimate
1.04Next Dividend Ex-DateN/A
Dividend Yield2.93%
Share Statistics
EPS (TTM)1.12
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 Cap1.29
Enterprise Value/Revenue2.63
Enterprise Value/Gross Profit3.72
Enterprise Value/Ebitda7.98
Forecast
1Y Price Target
$42.00Price Target Upside7.25% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)4.22
Revenue Forecast (FY)$259.45M
Bulls Say, Bears Say
Bulls Say
Revenue & Profitability ReboundA meaningful rebound in revenue and net margin signals durable improvement in core banking operations and pricing power. Sustained higher margins support internal capital generation, dividend capacity and reinvestment for growth, improving resilience versus prior-year volatility.
Deposit Growth And Funding ImprovementMaterial deposit inflows, especially noninterest-bearing and demand balances, strengthen the funding mix and reduce reliance on costly borrowings. A stickier deposit base lowers structural funding costs and supports sustainable loan growth and margin recovery over coming quarters.
Diversified Fee IncomeHigher and diversified noninterest income—notably wealth management and recurring fees—reduces reliance on net interest margin for profitability. This revenue mix provides stable, lower-volatility cash flows that bolster margins through rate cycles and support long-term earnings resilience.
Bears Say
Weak Cash ConversionA sharp decline in free cash flow and deteriorating cash-to-earnings conversion weakens the firm's ability to self-fund dividends, capital needs or absorb credit stress. Persistent cash conversion issues can force reliance on external funding and constrain strategic flexibility over months.
Rising Leverage Versus Prior YearA material increase in debt amplifies funding and interest-rate sensitivity and reduces balance-sheet flexibility. Higher leverage limits the bank’s capacity to absorb earnings shocks or accelerate lending growth without adding costly funding or diluting capital, a structural risk if volatility returns.
NIM Pressure From Rate And Yield ShiftsSustained NIM compression from lower loan yields and transient funding costs, combined with rising unrealized securities marks, can structurally reduce core earnings. If margins remain pressured, it will erode the bank’s primary revenue engine and limit capital accumulation over multiple 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 $29.30 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 $720.83M.
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 86 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 $0.27 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 1.04.
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 $1.12 in its last earnings report, beating expectations of $1.007. Following the earnings report the stock price went down -4.955%.
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
Underperform
1
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3
4
5
6
7
8
9
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 9.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $705.3K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
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. 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
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
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Five Star
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NB Bancorp, Inc.
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Ownership Overview
4.49% Insiders
12.39% Mutual Funds
2.37% Other Institutional Investors
60.75% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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