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ORRF Overview

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$
0.000
0.000(0.000%)
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0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

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High
34.915
Open
34.720
VWAP
34.40
Vol
137.95K
Mkt Cap
667.54M
Low
34.050
Amount
4.75M
EV/EBITDA(TTM)
8.38
Total Shares
19.51M
EV
980.15M
EV/OCF(TTM)
--
P/S(TTM)
2.84
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)
2026-01-29
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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2025-06-23 (ET)
2025-06-23
08:37:25
Orrstown Financial board approves stock repurchase program up to 2.5% of shares
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News

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.
seekingalpha
9.5
01-27seekingalpha
Orrstown Financial Q4 Earnings Exceed Expectations
  • Earnings Beat: Orrstown Financial reported a Q4 non-GAAP EPS of $1.11, exceeding expectations by $0.05, indicating a sustained improvement in profitability that may attract more investor interest.
  • Significant Revenue Growth: The company achieved revenues of $65.4 million, a 5.8% year-over-year increase, surpassing expectations by $11.36 million, reflecting its competitive strength and ability to expand its business.
  • Positive Market Reaction: The earnings beat is likely to positively impact Orrstown Financial's stock price, enhancing investor confidence and potentially increasing shareholder returns.
  • Optimistic Future Outlook: With ongoing operational optimizations and market share expansion, the company is expected to maintain growth momentum in the coming quarters, further solidifying its position in the financial services industry.
Newsfilter
9.5
01-27Newsfilter
Orrstown Financial Services Reports Record Earnings for 2025
  • Net Income Surge: Orrstown Financial Services reported a net income of $80.9 million for 2025, a significant increase from $22.1 million in 2024, highlighting the company's strong performance and enhanced profitability in the market.
  • Earnings Per Share Growth: The diluted earnings per share reached $4.18 in 2025, up from $1.48 in 2024, reflecting a sustained improvement in profitability that boosts investor confidence.
  • Loan and Asset Expansion: As of December 31, 2025, total loans increased by $41 million, representing an annualized growth rate of approximately 4%, indicating the company's robust expansion in the credit market and further solidifying its market position.
  • Increased Shareholder Returns: The Board declared a cash dividend of $0.30 per share, a $0.03 increase from the previous quarter, demonstrating the company's commitment to shareholders and its ongoing cash flow generation capabilities.
Newsfilter
7.5
01-12Newsfilter
Orrstown Bank Opens New Office for Financial Advisors in Chambersburg, PA, Enhancing Client Services
  • New Office Opening: Orrstown Financial Advisors will open a new office at 990 Lincoln Way East, Chambersburg, PA, covering 4,000 sq. ft., aimed at enhancing client services and community engagement.
  • Team Expansion: The new location will serve as the home base for a ten-person team currently at the Orrstown Bank branch, providing a more accessible environment for personalized financial guidance.
  • Grand Opening Ceremony: A grand opening and ribbon-cutting ceremony will take place at 3 PM on January 15, 2026, inviting community members, clients, and local leaders to celebrate and strengthen community ties.
  • Client Open House: OFA will host a Client Open House on February 12, 2026, allowing clients to tour the new office, connect with their Financial Advisors, and enjoy light refreshments, further enhancing client relationships.
NASDAQ.COM
9.5
2025-10-22NASDAQ.COM
Orrstown (ORRF) Q3 Earnings: Analyzing Key Metrics Against Projections
  • Orrstown Financial Services Performance: Orrstown Financial Services (ORRF) reported $64.37 million in revenue for Q3 2025, a 0.5% increase year-over-year, with an EPS of $1.13, slightly up from $1.11 a year ago.

  • Earnings Surprises: The revenue exceeded the Zacks Consensus Estimate by 2.01%, while the EPS surpassed expectations by 6.6%, indicating stronger-than-expected financial performance.

  • Investment Opportunities: Zacks Investment Research highlighted five stocks with potential for significant growth, suggesting they could yield returns of 100% or more in the coming months.

  • Market Insights: The article emphasizes the importance of key metrics in assessing a company's performance and provides insights into investment strategies based on these metrics.

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 8.19, compared to its 5-year average forward P/E of 8.05. 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
8.05
Current PE
8.19
Overvalued PE
9.09
Undervalued PE
7.01

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
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

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
2.68
Current PS
3.30
Overvalued PS
3.26
Undervalued PS
2.10

Financials

AI Analysis
Annual
Quarterly

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Frequently Asked Questions

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

The current price of ORRF is 34.22 USD — it has decreased -2.67

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 61.47M USD, increased 4.71

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 1.11 USD, increased 56.34

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

Orrstown Financial Services Inc (ORRF) has 607 emplpoyees as of March 12 2026.

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

Today ORRF has the market capitalization of 667.54M USD.