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Orrstown Financial Services (ORRF) Stock Price & Analysis

157 Followers

ORRF Stock Chart & Stats

$45.27$0.90(2.03%)
At close: 4:00 PM EST
$42.5$45Aug 10Aug 24Sep 8Sep 21Oct 5Oct 19Nov 2
Day’s Range
$44.83 - $46.69
52-Week Range
$33.17 - $46.69
Previous Close
$44.37
Volume
N/A
Average Volume (3M)
99.63K
Market Cap
$872.78M
Enterprise Value
$1.17B
Total Cash (Recent Filing)
$1.05B
Total Debt (Recent Filing)
$425.36M
Price to Earnings (P/E)
9.6
Beta
0.81
Next Earnings
Jan 20, 2027 (Est.)
EPS Estimate
1.14
Last Dividend Ex-Date
Nov 03, 2026
Dividend Yield
2.65%

Bulls Say, Bears Say

Bulls Say

Margin Expansion

The 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 Generation

Free 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 Quality

Orrstown 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 Reliance

Funding 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 Pressure

Unrealized 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 Volatility

The 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

ORRF FAQ

What was Orrstown Financial Services’s price range in the past 12 months?
Orrstown Financial Services lowest stock price was $33.17 and its highest was $46.69 in the past 12 months.
What is Orrstown Financial Services’s market cap?
Orrstown Financial Services’s market cap is $872.78M.
When is Orrstown Financial Services’s upcoming earnings report date?
Orrstown Financial Services’s next earnings report is estimated for Jan 20, 2027 (not yet confirmed), which is in 76 days.
How were Orrstown Financial Services’s earnings last quarter?
Orrstown Financial Services released its earnings results on Oct 20, 2026. The company reported $1.17 earnings per share for the quarter, beating the consensus estimate of $1.098 by $0.072.
Is Orrstown Financial Services overvalued?
According to Wall Street analysts Orrstown Financial Services’s price is currently Undervalued.
Does Orrstown Financial Services pay dividends?
Orrstown Financial Services pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 2.65%. See more information on Orrstown Financial Services dividends here
What is Orrstown Financial Services’s EPS estimate?
Orrstown Financial Services’s EPS estimate is 1.14.
How many shares outstanding does Orrstown Financial Services have?
Orrstown Financial Services has 19,670,559 shares outstanding.
What happened to Orrstown Financial Services’s price movement after its last earnings report?
Orrstown Financial Services reported an EPS of $1.17 in its last earnings report, beating expectations of $1.098. Following the earnings report the stock price went up 1.875%.
Which hedge fund is a major shareholder of Orrstown Financial Services?
Hedge funds hold Orrstown Financial Services shares: the largest hedge-fund position in Orrstown Financial Services is 71,886,115 shares, and hedge funds increased their holdings by 198.6K shares last quarter.
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