Orrstown Financial Services Inc ORRF
- Market cap
- $823.2M
- P/E
- 9.3×
Follow ORRF
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 16.60 | 19.05 | 18.10 | 17.30 | 11.40 | 16.28 | 21.81 | 15.52 | 24.70 | 25.57 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
||
| 23.75 | 26.95 | 27.05 | 23.48 | 22.88 | 25.91 | 28.42 | 29.79 | 41.99 | 38.38 |
High Price
|
|||
| 327 | 338 | 386 | 460 | 418 | 429 | 419 | 425 | 630 | 652 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
Revenue/Emp
|
|||
| 62 | 71 | 87 | 122 | 128 | 123 | 136 | 176 | 286 | 356 |
Revenue
|
|||
| 91.22% | 89.29% | 84.42% | 80.50% | 87.48% | 94.53% | 93.35% | 74.37% | 67.29% | 70.81% |
Gross Margin
|
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| 8 | 12 | 14 | 20 | 33 | 41 | 27 | 45 | 28 | 103 |
EBT
|
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| 12.79% | 17.41% | 16.66% | 16.16% | 25.41% | 33.29% | 19.63% | 25.65% | 9.71% | 28.83% |
EBT Margin
|
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| 7 | 8 | 13 | 17 | 26 | 33 | 22 | 36 | 22 | 81 |
Net Income
|
|||
| 8 | 7 | 5 | 3 | 2 | 5 | 7 | 6 | (3) | (8) |
Depreciation
|
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| 7.66 | 8.85 | 10.37 | 11.73 | 11.69 | 11.20 | 12.85 | 16.98 | 19.40 | 18.54 |
Revenue/Sh
|
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| 0.82 | 1.00 | 1.53 | 1.63 | 2.42 | 3.00 | 2.09 | 3.45 | 1.49 | 4.21 |
Earnings/Sh
|
|||
| 1.93 | 2.03 | 2.69 | 0.88 | 2.76 | 3.72 | 3.43 | 4.23 | 2.37 | 3.89 |
Cash Flow/Sh
|
|||
| (1.66) | (0.33) | (0.57) | (0.28) | (0.12) | (0.11) | (0.08) | (0.22) | (0.11) | (0.22) |
Capex/Sh
|
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| 0.28 | 1.70 | 2.12 | 0.60 | 2.64 | 3.61 | 3.34 | 4.01 | 2.26 | 3.67 |
Free CF/Sh
|
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| 16.73 | 17.94 | 20.75 | 21.55 | 22.50 | 24.77 | 21.69 | 25.63 | 35.00 | 30.81 |
Book Value/Sh
|
|||
| 8 | 8 | 8 | 10 | 11 | 11 | 11 | 10 | 15 | 19 |
Shares
|
|||
| 27.56 | 24.49 | 11.53 | 13.96 | 6.87 | 8.40 | 11.22 | 8.53 | 19.58 | 8.41 |
PE Ratio
|
|||
| 2.95 | 2.77 | 1.76 | 1.93 | 1.42 | 2.25 | 1.81 | 1.73 | 1.89 | 1.91 |
PS Ratio
|
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| 1.35 | 1.37 | 0.88 | 1.05 | 0.74 | 1.02 | 1.07 | 1.14 | 1.05 | 1.15 |
PB Ratio
|
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| 2.72 | 3.39 | 1.94 | 1.60 | 0.60 | 0.75 | 1.52 | 1.47 | 1.19 | 1.52 |
EV/Sales
|
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| 75.77 | 17.65 | 9.49 | 31.41 | 2.67 | 2.34 | 5.84 | 6.23 | 10.19 | 7.67 |
EV/FCF
|
|||
| 16 | 16 | 22 | 9 | 30 | 41 | 36 | 44 | 35 | 75 |
Op' Cash Flow
|
|||
| (13) | (3) | (5) | (3) | (1) | (1) | (1) | (2) | (2) | (4) |
Capex
|
|||
| 2 | 14 | 18 | 6 | 29 | 40 | 35 | 41 | 33 | 71 |
FCF
|
|||
| (339) | (282) | (280) | (376) | (318) | (298) | (380) | (340) | (585) | (651) |
Working Cap'
|
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| 24 | 84 | 115 | 32 | 32 | 32 | 32 | 32 | 69 | 37 |
Total Debt
|
|||
| (14) | 44 | 16 | (40) | (104) | (184) | (39) | (45) | (200) | (139) |
Net Debt
|
|||
| 135 | 145 | 173 | 223 | 246 | 272 | 229 | 265 | 517 | 592 |
Sh' Equity
|
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| 0.49% | 0.54% | 0.73% | 0.78% | 1.03% | 1.18% | 0.77% | 1.19% | 0.52% | 1.47% |
ROA
|
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| 4.08% | 4.11% | 5.83% | 9.77% | 14.28% | 29.16% | 8.78% | 13.09% | 9.98% | 14.55% |
ROIC
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| 4.95% | 5.79% | 8.05% | 8.53% | 11.27% | 12.70% | 8.81% | 14.44% | 5.64% | 14.59% |
ROE
|
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Orrstown Financial Services Inc peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| SPFI South Plains Financial, Inc. | $807.3M | 11.3× | Compare |
| CCBG Capital City Bank Group | $843.9M | 13.9× | Compare |
| ALRS Alerus Financial | $802.9M | 29.8× | Compare |
| SMBC Southern Missouri Bancorp, Inc. | $795.3M | 11.2× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| PGC Peapack-Gladstone Financial Corporation | $794.6M | 15.4× | Compare |
| IBCP Independent Bank Corp. | $790.7M | 10.3× | Compare |
| GSBC Great Southern Bancorp, Inc. | $859.1M | 13.0× | Compare |
| FISI Financial Institutions, Inc. | $788.6M | 9.8× | Compare |
Orrstown Financial Services Inc (ORRF) key facts
- Orrstown Financial Services Inc (ORRF) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- Orrstown Financial Services Inc’s revenue for fiscal 2025 (year ended December 2025) was $356.0 million, up 24.3% from fiscal 2024.
- As of September 25, 2026, ORRF traded at $41.77, a market capitalization of $823.2 million.
- Orrstown Financial Services Inc pays an annual dividend of $0.80 per share, a yield of 3.19%, with a payout ratio of 34.1%.
- Return on equity was 14.6% and debt-to-equity 0.01.
Orrstown Financial Services Inc (ORRF) Latest News
24 Sep
Orrstown Financial Services (ORRF) was upgraded to Zacks Rank #2 (Buy) due to rising earnings estimate revisions, signaling improved earnings momentum and potential near-term stock upside. Zacks ranks stocks on changing EPS estimates; its higher rank historically corresponds to stronger returns. For Orrstown, the company is expected to earn $4.41 per share for the year ending December 2026, with no YoY change, and consensus estimates have risen about 2.5% over the past three months. The upgrade implies a more favorable earnings trajectory, which could attract institutional and retail buyers and push the stock higher in the near term. The Zacks framework places Orrstown in the top quintile of covered stocks based on revisions, reinforcing its appealing position despite limited information on longer-term fundamentals. Improved earnings estimate revisions underpinning the Rank upgrade suggest a moderately positive near-term stock move.
21 Sep
Orrstown Financial Services Inc (ORRF), the Harrisburg-based holding company for Orrstown Bank, presents a dividend-focused profile with modest earnings growth prospects. The stock has risen about 18.75% year-to-date. ORRF pays a quarterly dividend of $0.30, or $1.20 annualized, for a yield around 2.85%—above the Banks - Northeast sector (2.16%) and the S&P 500 (1.44%). Dividend growth remains solid: the annual payout is up 13.2% from last year, with four increases over the past five years at an average 7.49% annual pace. The payout ratio is 27%. For 2026, Zacks Consensus projects $4.41 in EPS, up about 3.04% year over year. The piece underscores dividends as a source of returns and risk reduction, while cautioning that high-yield names can struggle in rising rates. ORRF carries a Zacks Rank of #3 (Hold). Steady dividends with modest earnings growth and a hold rating indicate a balanced, non-transformative near-term outlook.
12 Aug
Orrstown Financial Services (ORRF) stock fair value rises as analysts assess franchise strength and transition. Analyst views on franchise strength raise fair value estimates and may lift near-term market sentiment.
22 Jul
Orrstown Financial Services Inc posted record wealth management results in its Q2 2026 earnings call. Record wealth management results signal major positive shift in financial performance and investor outlook.
Orrstown Financial Services Inc reported Q2 earnings highlights covering financial results, operational metrics and forward outlook during its earnings call. Quarterly earnings data typically moves near-term sentiment and valuation without altering long-term strategy.
Orrstown Financial Services Inc held its Q2 2026 earnings call and reported financial results along with operational updates and forward outlook. Quarterly earnings directly affect near-term valuation and investor sentiment for ORRF.
21 Jul
Orrstown Financial Services Inc reported Q2 earnings with key metrics compared to analyst estimates. Q2 earnings metrics versus estimates offer moderate insight into financial results that can influence near-term stock movement.
Orrstown Financial Services Inc (ORRF) reported Q2 earnings that beat analyst estimates. Q2 earnings beat delivers moderately noticeable positive effect on ORRF financial perception and near-term market performance.
Orrstown Financial Services, Inc. reported its second quarter 2026 financial results. Quarterly earnings update informs near-term performance and sentiment without indicating major strategic shifts.
14 Jul
Orrstown Financial Services (ORRF) Q2 earnings expected to decline. Expected earnings decline may affect short-term investor sentiment and financial performance outlook.
2 Jun
Orrstown Financial Services Inc subsidiary Orrstown Bank names Adam L. Metz President and Chief Executive Officer. CEO appointment at main operating subsidiary may shift strategy and market views moderately.
6 May
Orrstown Financial Services Inc (ORRF) held its AGM, electing directors, approving say-on-pay, as CEO Quinn's exit nears. CEO transition introduces moderate uncertainty to leadership and strategy amid routine AGM outcomes.
23 Apr
Orrstown Financial Services Inc (ORRF) reported strong net income in Q1 2026 earnings call highlights, showcasing robust financial performance. Strong Q1 net income indicates significant positive influence on ORRF's financial trajectory and investor sentiment.
Orrstown Financial Services Inc (ORRF) released Q1 earnings call highlights covering financial results, strategic updates, and forward guidance. Q1 earnings call highlights reveal financial performance and outlook, moderately influencing stock sentiment and trajectory.
22 Apr
Orrstown Financial Services, Inc. released Q1 2026 earnings call summary detailing quarterly financial performance, key metrics, and forward-looking statements. Q1 2026 earnings call summary discloses financial results and guidance that significantly shape investor expectations and stock trajectory.
21 Apr
Orrstown Financial Services Inc (ORRF) surpassed Q1 earnings and revenue estimates. Surpassing Q1 earnings and revenue estimates enhances financial outlook and investor sentiment, significantly influencing future performance.
Orrstown Financial Services Inc. (ORRF) released its Q4 2025 earnings call transcript detailing financial results, performance highlights, and forward guidance. Q4 2025 earnings transcript discloses key financial metrics and strategic outlook directly impacting ORRF's valuation and investor expectations.
Orrstown Financial Services Inc (ORRF) reported first quarter 2026 results. Quarterly earnings reports moderately influence financial performance and investor sentiment.
2 Apr
Orrstown Financial Services, Inc. ranked #1 in Pennsylvania and #12 nationally in S&P Global Market Intelligence's 2025 Ranking of Top 50 Best-Performing Community Banks. Top state and national ranking highlights strong performance, likely enhancing reputation and investor sentiment with moderate impact on future trajectory.
4 Feb
Orrstown Financial Services Inc (ORRF) is highlighted as a top dividend stock to consider in February 2026, reflecting its strong financial performance and commitment to returning value to shareholders. The company has consistently increased its dividend payouts, making it an attractive option for income-focused investors. Analysts suggest that ORRF's solid fundamentals and growth potential position it well in the current market environment, particularly for those seeking reliable dividend income. Orrstown's consistent dividend growth and strong financial performance indicate a significant impact on its future market positioning and investor sentiment.
31 Jan
Orrstown Financial Services Inc (NASDAQ:ORRF) has announced an increase in its dividend payout compared to the previous year, reflecting the company's strong financial performance and commitment to returning value to shareholders. The dividend increase indicates positive financial health, which may influence investor sentiment and market performance.
28 Jan
Orrstown Financial Services Inc (ORRF) reported record net income for Q4 2025, highlighting strong financial performance and growth. The earnings call emphasized key achievements and strategic initiatives that contributed to this success, positioning the company favorably in the market. Record net income and strategic initiatives indicate significant positive momentum for future performance.
Orrstown Financial Services Inc reported its Q4 earnings, highlighting key financial metrics and strategic initiatives. The company emphasized growth in loan and deposit portfolios, alongside improvements in net interest margin. Management discussed challenges faced during the quarter, including economic pressures and competitive landscape. Future outlook remains cautiously optimistic with plans for continued investment in technology and customer service enhancements. Moderate growth in financial metrics and strategic initiatives may influence the company's performance but is balanced by existing challenges.
27 Jan
Orrstown Financial Services Inc (ORRF) reported Q4 earnings and revenues that exceeded analysts' expectations, showcasing strong financial performance. The results indicate effective management and potential for continued growth, positively influencing investor sentiment. Earnings and revenue exceeding estimates can significantly enhance investor confidence and influence future market performance.
Orrstown Financial Services, Inc. reported its fourth quarter 2025 results, highlighting a strong financial performance with increased revenues and net income. The company also announced a dividend increase, reflecting its commitment to returning value to shareholders. This positive financial outlook is expected to bolster investor confidence and support future growth initiatives. The dividend increase and strong financial results indicate significant strategic moves that could enhance investor sentiment and the company's market position.
Orrstown Financial Services Inc (ORRF) reported its Q4 earnings, highlighting key metrics that reflect the company's financial health and operational performance. The results indicate a positive trajectory, with growth in various segments and a solid balance sheet. Analysts are optimistic about the company's future prospects based on these earnings figures, suggesting that Orrstown is well-positioned in the current market environment. The earnings report shows moderate growth and stability, which may influence investor sentiment and operational aspects but is not expected to drastically change the company's trajectory.
Orrstown Financial Services Inc (ORRF) reported its Q4 earnings, highlighting key financial metrics and performance indicators. The results reflect the company's operational efficiency and market positioning, with insights into revenue growth and expense management. Investors are keenly observing these figures as they assess the company's future trajectory in a competitive landscape. Q4 earnings results may moderately influence financial performance and investor sentiment.
14 Jan
Orrstown Financial Services Inc (ORRF) is highlighted as one of three undervalued small-cap stocks showing insider buying activity, indicating potential confidence from executives in the company's future performance. The article suggests that such insider actions may signal positive future developments and attract investor interest, particularly in the context of the regional financial landscape. Insider buying can indicate confidence in the company's future, potentially influencing market sentiment and performance.
12 Jan
Orrstown Financial Advisors has announced the opening of a new office in Chambersburg, Pennsylvania. This expansion aims to enhance client service and accessibility in the region, reflecting the company's commitment to growth and community engagement. The new office opening may moderately influence the company's market presence and client acquisition efforts.
6 Jan
Orrstown Financial Advisors has appointed Matthew Alpert as Chief Wealth Officer. Alpert brings over 20 years of experience in wealth management and financial services, previously serving in leadership roles at various firms. His expertise is expected to enhance Orrstown's wealth management capabilities and client service offerings. The appointment of a seasoned professional like Alpert may positively influence the company's wealth management services and client relationships.