Orrstown Financial Services, Inc. (ORRF)

NCM – Real Time Price. Currency in USD

41.23

+0.50 (1.23%)

At close: Jun 26, 2026, 4:00 PM EDT

41.23

-0.00 (-0.00%)

After-hours: Jun 26, 2026, 4:31 PM EDT

Stock details

Previous close: 41.23$
Day's range: 40.41 - 41.52$
52-week range: 31.51 - 41.52$
Volume: 572 746
Average volume: 247 787
Beta: 0.74
EPS (TTM): 4.4
PE ratio (TTM): 9.44
Forward P/E: 9.8
Market cap: 810 079 275
Shares outstanding: 19 647 812
Dividend yield: $2.76 (2.76%)
Next earnings date: 2026-07-28
Sector: Financials
Industry: Banks - Regional

About the company

Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers commercial loans, such as comm... read more

CEO: Adam Metz
Country: United States
IPO Date
Employees: 652
Fiscal Year End: January - December
Website: https://www.orrstown.com

Revenue Breakdown

Community Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: ORRF

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Overall Score

4.9 / 1049%

Financial Strength

5.6

Profitability

6.4

Effectiveness

4.3

Growth

7.6

Forecast

2.6

Valuation

4.8

Dividend

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $277.2M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.5) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $25.1M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.08	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.46	0.05	7.0
Debt to Assets	0.05	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	136M	176M	286M	356M	359M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	43M	46M	51M	106M	108M
Net Income	22M	36M	22M	81M	85M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	42.62	0.44	10
Net margin %	33.79	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	28.41	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.34	1.46	3.0
ROE	13.35	14.94	7.0
ROIC	9.89	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	2.73	-1.13	2.5
Next quarter	2.07	-6.01	2.0
Current year	2.99	-1.66	2.5
Next year	3.17	2	3.5
Weighted average score			2.6

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-0.91	1.48	0.9	58.3	4.0
Y/Y	3.24	20.82	12	190.75	7.8
3y average	38.82	96.79	9.65	34.92	9.0
5y average	24.67	56.33	14.52	26.92	9.5
Weighted average score					7.6

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	9.39	11.16	7.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.15	3.37	4.4
P/B	1.34	1.53	6.0
Weighted average score			4.8

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR10.87%

FCF 5 year CAGR4

Fair value51.16$

Stock price41.23$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.10	3.10	8.0
Payout ratio	25.07	25.07	4.0
5-year dividend growth rate	9.28	9.28	9.0
Years of dividend increase	10.00	10.00	7.0
Weighted average score			7.0

Fair Value

$51.16

UndervaluedStock priceOvervalued

$41.23

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Adam Metz

Country

United States

IPO Date

Employees

652

Fiscal Year End

January - December

Website

https://www.orrstown.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.08

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.46

0.05

7.0

Debt to Assets

0.05

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

136M

176M

286M

356M

359M

Gross Profit

N/A

Operating Income

43M

46M

51M

106M

108M

Net Income

22M

36M

22M

81M

85M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

42.62

0.44

Net margin %

33.79

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

28.41

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.34

1.46

3.0

ROE

13.35

14.94

7.0

ROIC

9.89

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

2.73

-1.13

2.5

Next quarter

2.07

-6.01

2.0

Current year

2.99

-1.66

2.5

Next year

3.17

3.5

Weighted average score

2.6

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-0.91

1.48

0.9

58.3

4.0

Y/Y

3.24

20.82

190.75

7.8

3y average

38.82

96.79

9.65

34.92

9.0

5y average

24.67

56.33

14.52

26.92

9.5

Weighted average score

7.6

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

9.39

11.16

7.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.15

3.37

4.4

P/B

1.34

1.53

6.0

Weighted average score

4.8

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.10

8.0

Payout ratio

25.07

4.0

5-year dividend growth rate

9.28

9.0

Years of dividend increase

10.00

7.0

Weighted average score

7.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Orrstown Financial Services, Inc. (ORRF)

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Orrstown Financial Services, Inc. (ORRF)

Stock details

About the company

Revenue Breakdown

News

Chart: ORRF

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$51.16

$41.23

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: ORRF

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$51.16

$41.23

Economic Moat