Orrstown Bank Opens New Office in Chambersburg
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 12 2026
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Orrstown Bank is pleased to announce that Orrstown Financial Advisors will be opening a new office at 990 Lincoln Way East, Suite 1, Chambersburg, PA 17201, as part of its ongoing commitment to better serve its clients and the community. The new location will serve as the home base for the OFA team currently located at the Orrstown Bank branch on Orchard Drive. The ten-person team will occupy 4,000 sq. ft of space at the former Plasterer's Florist building. This newly renovated location offers enhanced accessibility and a welcoming environment for clients seeking personalized financial guidance.
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Analyst Views on ORRF
Wall Street analysts forecast ORRF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ORRF is 40.50 USD with a low forecast of 39.00 USD and a high forecast of 42.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 35.410
Low
39.00
Averages
40.50
High
42.00
Current: 35.410
Low
39.00
Averages
40.50
High
42.00
About ORRF
Orrstown Financial Services, Inc. is a financial holding company for its wholly owned subsidiary Orrstown Bank (the Bank). The Bank provides a range of consumer and business financial services in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York Counties, Pennsylvania and Anne Arundel, Baltimore, Harford, Howard, and Washington Counties, Maryland, as well as Baltimore City, Maryland. The Bank operates in the community banking segment and engages in lending activities, including commercial, residential, commercial mortgages, construction, municipal, and various forms of consumer lending and deposit services, including checking, savings, time and money market deposits. The Company's lending area also includes adjacent counties in Pennsylvania and Maryland, as well as Loudon County, Virginia and Berkeley, Jefferson and Morgan Counties, West Virginia. The Bank also provides fiduciary, investment advisory, insurance and brokerage services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Orrstown Financial Services Reports Record Q4 2025 Earnings
- Record Net Income: Orrstown achieved its highest annual net income of $80.9 million in its 106-year history, translating to $4.18 per diluted share, showcasing the company's success in risk management and revenue diversification, thereby enhancing confidence in future growth.
- Expense and Income Growth: The fourth quarter net income was $21.5 million or $1.11 per diluted share, with noninterest income comprising 22% of operating revenue for the third consecutive quarter, indicating effective strategies in enhancing customer service and revenue streams.
- Loan and Capital Management: The loan growth target for 2026 is set at over 5%, with a 4% increase in loans for the fourth quarter, and strong capital ratios reflecting the company's robust financial health amidst market fluctuations, which boosts investor confidence.
- Future Outlook: The CFO projected a net interest margin of 3.90% to 4% for 2026, despite anticipated compression, while expressing optimism about exceeding analyst consensus, indicating resilience and strategic flexibility in an uncertain market environment.
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Orrstown Financial Announces 11.1% Dividend Increase
- Dividend Increase: Orrstown Financial has declared a quarterly dividend increase from $0.27 to $0.30 per share, representing an 11.1% rise, which reflects the company's ongoing profitability improvement and boosts investor confidence.
- Stable Yield: The forward yield of 3.33% not only attracts income-seeking investors but also enhances the stock's market appeal, potentially driving up its price.
- Payment Schedule: The new dividend will be payable on February 17, with a record date of February 10 and an ex-dividend date also on February 10, ensuring shareholders receive timely returns and reinforcing their willingness to hold shares.
- Historical Performance: The dividend growth of Orrstown Financial underscores its robust financial health and sustained profitability, further solidifying its competitive position in the financial services sector.
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