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ORRF Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
37.165
Open
36.920
VWAP
36.93
Vol
89.93K
Mkt Cap
727.75M
Low
36.590
Amount
3.32M
EV/EBITDA(TTM)
7.61
Total Shares
19.65M
EV
940.63M
EV/OCF(TTM)
11.46
P/S(TTM)
2.98
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.
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Events Timeline

(ET)
2026-04-21
16:10:00
Orrstown Increases Tangible Book Value to $25.76 per Share in Q1 2026
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2026-01-29 (ET)
2026-01-29
16:10:00
Orrstown Financial Files $200M Mixed Securities Shelf
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2026-01-27 (ET)
2026-01-27
16:50:00
Board Declares Cash Dividend of 30c per Share
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2026-01-27
16:40:00
Orrstown Reports Q4 CET1 Capital Ratio of 11.5%
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2026-01-12 (ET)
2026-01-12
09:00:00
Orrstown Bank Opens New Office in Chambersburg
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2025-10-21 (ET)
2025-10-21
16:19:23
Orrstown Financial announces Q3 earnings per share of $1.13, surpassing consensus estimate of $1.05.
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2025-07-22 (ET)
2025-07-22
16:33:18
Orrstown Financial increases quarterly dividend to 27c per share
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2025-07-22
16:31:52
Orrstown Financial reports Q2 EPS $1.04, consensus 98c
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News

seekingalpha
8.0
04-22seekingalpha
Orrstown Financial Declares Quarterly Dividend of $0.30
  • Quarterly Dividend Announcement: Orrstown Financial declares a quarterly dividend of $0.30 per share, consistent with previous distributions, indicating the company's stable cash flow and profitability, which is likely to attract more investor interest.
  • Dividend Yield: The forward yield of 3.17% reflects the company's appeal in the current market environment, potentially boosting shareholder confidence in their investments.
  • Payment Schedule: The dividend will be payable on May 12, with a record date of May 5 and an ex-dividend date also on May 5, ensuring shareholders receive their returns in a timely manner.
  • Earnings Beat Expectations: Orrstown Financial reported a GAAP EPS of $1.12 for Q4 2025, beating estimates by $0.11, with revenue of $64.58M exceeding expectations by $14.18M, showcasing the company's positive outlook on loan growth and fee income expansion.
seekingalpha
9.5
04-22seekingalpha
Orrstown Financial Services Reports Strong Q1 2026 Earnings
  • Net Income Growth: Orrstown Financial Services reported a net income of $21.8 million for Q1 2026, translating to earnings of $1.12 per diluted share, demonstrating the company's ability to maintain strong profitability in a competitive market, thereby reinforcing its market position.
  • Loan and Deposit Dynamics: Loan growth was steady at an annualized rate of 4%, although unexpected loan prepayments impacted overall growth; however, deposits increased by $98.7 million, which is expected to reduce future funding costs and positively impact the second quarter.
  • Expense Control Effectiveness: Noninterest expenses decreased by $700,000 to $36.7 million, indicating the company's ongoing efforts to enhance operational efficiency, which is expected to support future profitability.
  • Outlook and Guidance: Management maintained the 2026 net interest margin guidance at 3.90% to 4.00% and anticipates further growth potential as funding costs decline, reflecting the company's confidence in future developments.
seekingalpha
9.5
04-21seekingalpha
Orrstown Financial Q1 Earnings Exceed Expectations
  • Strong Earnings Performance: Orrstown Financial reported a Q1 GAAP EPS of $1.12, beating expectations by $0.11, which reflects robust profitability and boosts investor confidence in the company's financial health.
  • Significant Revenue Growth: The company achieved revenues of $64.58 million in Q1, representing a 6.9% year-over-year increase and exceeding expectations by $14.18 million, indicating sustained competitive strength in the market.
  • Increase in Loans and Deposits: Total loans rose by $40.6 million, or approximately 4% annualized, while deposits increased by $98.7 million as of March 31, 2026, showcasing enhanced customer trust and recovering market demand, thereby strengthening the company's funding base.
  • Enhanced Shareholder Returns: The Board declared a cash dividend of $0.30 per common share, payable on May 12, 2026, reflecting the company's commitment to shareholders and its solid financial position alongside ongoing profitability.
Newsfilter
9.5
04-13Newsfilter
Orrstown Financial Services to Report Q1 2026 Earnings on April 21
  • Earnings Release Schedule: Orrstown Financial Services plans to report its Q1 2026 earnings after market close on April 21, 2026, which is expected to provide crucial insights into the company's financial performance, aiding investors in assessing future prospects.
  • Conference Call Timing: Management will host a conference call and webcast on April 22, 2026, at 9:00 AM ET to discuss the earnings report in detail and answer investor questions, thereby enhancing transparency and investor confidence.
  • Participation Options: Investors can join the meeting via telephone or through the webcast link, with dial-in options available for multiple countries, ensuring global investor accessibility and improving information reach.
  • Company Background: With $5.6 billion in assets, Orrstown Financial Services offers a diverse range of financial services across several counties in Pennsylvania and Maryland, demonstrating its strong regional market presence and potential for business expansion.
seekingalpha
9.5
01-28seekingalpha
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.
seekingalpha
8.0
01-27seekingalpha
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.
Wall Street analysts forecast ORRF stock price to rise
2 Analyst Rating
Wall Street analysts forecast ORRF stock price to rise
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
39.00
Averages
40.50
High
42.00
Current: 0.000
sliders
Low
39.00
Averages
40.50
High
42.00
Keefe Bruyette
Timothy Switzer
Outperform
maintain
$39 -> $42
AI Analysis
2025-07-24
Reason
Keefe Bruyette
Timothy Switzer
Price Target
$39 -> $42
AI Analysis
2025-07-24
maintain
Outperform
Reason
Keefe Bruyette analyst Timothy Switzer raised the firm's price target on Orrstown Financial to $42 from $39 and keeps an Outperform rating on the shares.
Keefe Bruyette
Outperform
maintain
$37 -> $39
2025-07-11
Reason
Keefe Bruyette
Price Target
$37 -> $39
2025-07-11
maintain
Outperform
Reason
Keefe Bruyette raised the firm's price target on Orrstown Financial to $39 from $37 and keeps an Outperform rating on the shares.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for ORRF
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Valuation Metrics

The current forward P/E ratio for Orrstown Financial Services Inc (ORRF.O) is 7.45, compared to its 5-year average forward P/E of 8.09. For a more detailed relative valuation and DCF analysis to assess Orrstown Financial Services Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
8.09
Current PE
7.45
Overvalued PE
9.13
Undervalued PE
7.05

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.77
Current EV/EBITDA
7.85
Overvalued EV/EBITDA
3.62
Undervalued EV/EBITDA
-2.08

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.72
Current PS
3.41
Overvalued PS
3.31
Undervalued PS
2.13

Financials

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Frequently Asked Questions

What is Orrstown Financial Services Inc (ORRF) stock price today?

The current price of ORRF is 37.04 USD — it has increased 0.33

What is Orrstown Financial Services Inc (ORRF)'s business?

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.

What is the price predicton of ORRF Stock?

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 is40.50 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.

What is Orrstown Financial Services Inc (ORRF)'s revenue for the last quarter?

Orrstown Financial Services Inc revenue for the last quarter amounts to 59.07M USD, increased 2.23

What is Orrstown Financial Services Inc (ORRF)'s earnings per share (EPS) for the last quarter?

Orrstown Financial Services Inc. EPS for the last quarter amounts to 1.12 USD, increased 20.43

How many employees does Orrstown Financial Services Inc (ORRF). have?

Orrstown Financial Services Inc (ORRF) has 627 emplpoyees as of May 11 2026.

What is Orrstown Financial Services Inc (ORRF) market cap?

Today ORRF has the market capitalization of 727.75M USD.