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ORRF Stock Chart & Stats
$42.56
$0.00(0.00%)
At close: 4:00 PM EDT
$42.56
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$31.87 - $43.81
Previous Close$42.56
Volume110.36K
Average Volume (3M)199.58K
Market Cap
$852.48M
Enterprise Value$1.04K
Total Cash (Recent Filing)$1.01B
Total Debt (Recent Filing)$282.36M
Price to Earnings (P/E)9.3
Beta0.84
Next Earnings
Oct 27, 2026EPS Estimate
1.1Next Dividend Ex-DateN/A
Dividend Yield2.7%
Share Statistics
EPS (TTM)4.66
Shares Outstanding19,669,626
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 Upside4.56% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)4.28
Revenue Forecast (FY)$260.18M
Bulls Say, Bears Say
Bulls Say
Cash GenerationNear‑par free cash flow to net income and strong TTM operating and free cash flow indicate durable internal funding. This supports dividends, capital build, and organic loan growth while providing a buffer for credit stress, underpinning financial flexibility over the medium term.
Net Interest Margin GuidanceSustained guidance toward the higher end of a ~3.9%–4.0% NIM range reflects structural ability to earn attractive loan spreads and manage funding costs. If rates remain stable, this supports predictable net interest income and durable core profitability for several quarters.
Fee Income DiversificationA meaningful share of operating income from fees and record wealth management revenue reduces sole reliance on net interest income. Recurring fee streams improve revenue stability, support margins through cycles, and help absorb pressure if lending spreads compress.
Bears Say
Earnings VolatilityHistorical swings in profitability show earnings sensitivity to rate and credit cycles. Such variability can strain capital planning and reserve needs, making sustained ROE and dividend coverage less certain during adverse macro or credit conditions over the medium term.
Capital Hit From Debt RedemptionRetiring higher‑cost subordinated notes reduces future interest expense but caused a near‑term capital reduction. Recovery depends on earnings retention; if loan losses or expense pressure materialize, the temporary capital drawdown could limit flexibility for growth or payouts in coming quarters.
Rising Operating ExpensesPersistent wage and benefit inflation pushed noninterest expense higher this quarter. Without sustained revenue upside or efficiency gains, ongoing expense inflation can compress operating leverage and margins, reducing the pace of capital generation and resilience to downside scenarios.
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 $31.87 and its highest was $43.81 in the past 12 months.
What is Orrstown Financial Services Inc’s market cap?
Orrstown Financial Services Inc’s market cap is $852.48M.
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 70 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 2.7%. 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 1.1.
How many shares outstanding does Orrstown Financial Services Inc have?
Orrstown Financial Services Inc has 19,669,626 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 0.266%.
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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4
5
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7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$44.50 (4.56% Upside)
$44.50 (4.56% Upside)
Blogger Sentiment
Bullish
ORRF Sentiment 100%
Sector Average 54%
Sector Average 54%
Hedge Fund Trend
Increased
By 8.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $234.1K 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
2.70%
Trailing 12-Months
Asset Growth
4.17%
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 Company Deck
ORRF Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call portrayed a strong quarter with robust profitability, expanded adjusted net interest margin, record wealth management results, healthy loan production, improved deposit mix, and improving credit metrics. Weaknesses were largely one-time or timing-related — notably the subordinated debt redemption charge that lowered reported NIM and a modest rise in expenses and net charge-offs. Management expressed confidence in recovering capital impact quickly, maintaining dividend, and achieving full-year guidance, indicating a positive forward view.View all ORRF earnings summariesORRF Stock 12 Month Forecast
Average Price Target
$44.50
▲(4.56% Upside)
Technical Analysis
Camden National
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First Financial Indiana
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Five Star
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Ownership Overview
4.87% Insiders
14.00% Mutual Funds
6.44% Other Institutional Investors
52.63% Public Companies and
Individual Investors