OFR Stock Chart & Stats
€33.60
€1.00(2.84%)
At close: 4:00 PM EDT
€33.60
€1.00(2.84%)
Day’s Range― - ―
52-Week Range€28.20 - €37.60
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€786.16M
Enterprise Value€1.17B
Total Cash (Recent Filing)€1.01B
Total Debt (Recent Filing)€282.36M
Price to Earnings (P/E)9.5
Beta0.71
Next Earnings
Jan 20, 2027EPS Estimate
1.02Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.66
Shares Outstanding19,669,626
10 Day Avg. Volume0
30 Day Avg. Volume0
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€42.74Price Target Upside27.19% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.97
Revenue Forecast (FY)€234.18M
Bulls Say, Bears Say
Bulls Say
Margin ExpansionThe higher net interest margin and multi-year outlook indicate improving earning power from the core banking franchise. If management sustains this spread while controlling deposit costs, net interest income should remain a durable support for profitability over the next several quarters.
Cash GenerationFree cash flow that closely tracks net income provides evidence that reported earnings are converting into cash rather than relying primarily on accounting gains. Strong internal cash generation can support capital formation, dividends, technology investment, and flexibility as the bank grows.
Loan Growth And Credit QualityOrrstown is expanding its loan base while reported problem-loan measures improve, a combination that supports sustainable banking growth. Continued relationship-based commercial lending and stable credit metrics could increase recurring interest income without requiring a deterioration in underwriting quality.
Bears Say
Funding RelianceFunding loan growth with more borrowings makes profitability more sensitive to funding costs and deposit competition. A 92% loan-to-deposit ratio leaves less balance-sheet flexibility if deposits remain difficult to attract, potentially narrowing margins or slowing asset growth over the coming quarters.
Tangible Capital PressureUnrealized investment losses reduce tangible capital measures and can constrain financial flexibility even when they do not immediately affect reported earnings. Continued pressure from rates or credit spreads could limit capital available for loan growth, distributions, or strategic opportunities.
Earnings VolatilityThe sharp variation in profitability across periods shows that Orrstown's earnings remain sensitive to the rate and credit environment. This cyclicality makes the current strong run rate less predictable and could complicate capital planning if margins or credit conditions weaken.
Orrstown Financial Services News
OFR FAQ
What was Orrstown Financial Services Inc’s price range in the past 12 months?
Orrstown Financial Services Inc lowest stock price was €28.20 and its highest was €37.60 in the past 12 months.
What is Orrstown Financial Services Inc’s market cap?
Orrstown Financial Services Inc’s market cap is €786.16M.
When is Orrstown Financial Services Inc’s upcoming earnings report date?
Orrstown Financial Services Inc’s upcoming earnings report date is Jan 20, 2027 which is in 84 days.
How were Orrstown Financial Services Inc’s earnings last quarter?
Orrstown Financial Services Inc released its earnings results on Oct 20, 2026. The company reported €1.043 earnings per share for the quarter, beating the consensus estimate of €0.978 by €0.064.
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 does not currently pay dividends.
What is Orrstown Financial Services Inc’s EPS estimate?
Orrstown Financial Services Inc’s EPS estimate is 1.02.
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 €1.043 in its last earnings report, beating expectations of €0.978. Following the earnings report the stock price went up 3.468%.
Which hedge fund is a major shareholder of Orrstown Financial Services Inc?
Currently, no hedge funds are holding shares in DE:OFR
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:
€42.74 (27.19% Upside)
€42.74 (27.19% Upside)
Blogger Sentiment
Bullish
DE:OFR Sentiment 100%
Sector Average 58%
Sector Average 58%
Insider Transactions
Sold Shares
Worth €208.5K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
33.06%
12-Months-Change
Fundamentals
Return on Equity
14.42%
Trailing 12-Months
Asset Growth
4.33%
Trailing 12-Months
Learn more about TipRanks Smart Score
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).
OFR Company Deck
OFR Earnings Call
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call was strongly positive, supported by record or improved earnings metrics, expanding net interest margin, robust loan growth, improved efficiency, sound credit quality, deposit-cost progress, and external growth recognition. The main challenges were reliance on borrowings amid deposit outflows, sequentially lower fee income, investment-portfolio unrealized losses that reduced tangible common equity, competitive deposit pricing, and uncertainty around economic conditions and future loan growth. Highlights significantly outweighed the lowlights.View all DE:OFR earnings summariesOFR Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
€42.74
▲(27.19% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
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