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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$31.51 - $43.81
Previous Close$42.56
Volume110.36K
Average Volume (3M)199.58K
Market Cap
$839.55M
Enterprise Value$1.03K
Total Cash (Recent Filing)$1.01B
Total Debt (Recent Filing)$282.36M
Price to Earnings (P/E)9.2
Beta0.88
Next Earnings
Oct 27, 2026EPS Estimate
1.1Next Dividend Ex-DateN/A
Dividend Yield2.67%
Share Statistics
EPS (TTM)4.66
Shares Outstanding19,647,812
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 Covering2
EPS Forecast (FY)4.28
Revenue Forecast (FY)$260.18M
Bulls Say, Bears Say
Bulls Say
Strong Profitability And ROESustained TTM margins and a mid‑teens ROE indicate durable earnings power versus peers. High operating profitability supports internal capital generation, dividend maintenance and faster recovery of capital after one‑time hits, improving resilience through credit or rate cycles.
Net Interest Margin GuidanceManagement's clear NIM guidance and expectation to land near the high end reflect a structurally asset‑sensitive balance sheet and active margin management. This provides a reliable interest‑income foundation for 2–6 month outlooks and supports sustainable net interest income generation.
Fee Diversification And Wealth GrowthMaterial fee income and a record wealth management quarter show diversification away from pure lending spread. Recurring fee streams and a growing advisory business reduce earnings volatility tied solely to interest rates and support longer‑term revenue stability.
Bears Say
Rapid Balance Sheet ExpansionFast asset growth raises execution and funding risk: capital ratios and asset quality must keep pace with expansion. Prior periods of higher leverage highlight sensitivity to funding stress or credit deterioration, increasing the probability of volatility if cycles turn.
Volatile Revenue And Cash Flow HistoryLarge swings in revenue and cash‑flow history reduce predictability of future earnings and capital build. While recent TTM growth is strong, inconsistent prior years complicate forecasting, capital planning and the durability of margin improvement over medium term.
Rising Expenses And Emerging Credit ItemsHigher personnel/benefit costs combined with tangible net charge‑offs can compress operating leverage and force increased provisions. If expense inflation or credit deterioration persists, it could erode recently improved margins and slow capital recovery after one‑time charges.
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 $31.51 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 $839.55M.
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 82 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 2.67%. 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 19,647,812 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
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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 ―
Sector Average ―
Hedge Fund Trend
Increased
By 8.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $124.9K 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
2.67%
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
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Ownership Overview
4.89% Insiders
14.01% Mutual Funds
1.21% Other Institutional Investors
58.14% Public Companies and
Individual Investors