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Orrstown Financial Services Inc (DE:OFR)
FRANKFURT:OFR

Orrstown Financial Services (OFR) Price & Analysis

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OFR Stock Chart & Stats

€33.60
€1.00(2.84%)
At close: 4:00 PM EDT
€33.60
€1.00(2.84%)

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

OFR FAQ

What was Orrstown Financial Services Inc’s price range in the past 12 months?
Orrstown Financial Services Inc lowest stock price was €26.80 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 €719.92M.
      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 45 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 €0.941 earnings per share for the quarter, beating the consensus estimate of €0.887 by €0.054.
          Is Orrstown Financial Services Inc overvalued?
          According to Wall Street analysts Orrstown Financial Services Inc’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            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 0.95.
              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 €0.941 in its last earnings report, beating expectations of €0.887. Following the earnings report the stock price went down -1.667%.
                  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

                    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).

                    Orrstown Financial Services (OFR) Earnings & Revenues

                    OFR Company Deck

                    OFR 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 DE:OFR earnings summaries

                    OFR Stock 12 Month Forecast

                    Average Price Target

                    €38.32
                    ▲(14.05% Upside)
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