Orrstown Financial Services Inc (ORRF)

Currency in USD
40.79
-0.55(-1.33%)
Real-time Data·
Earnings results expected tomorrow
ORRF is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
40.7941.67
52 wk Range
31.5142.54
Key Statistics
Prev. Close
41.34
Open
41.67
Day's Range
40.79-41.67
52 wk Range
31.51-42.54
Volume
12.79K
Average Volume (3m)
139.82K
1-Year Change
22.0435%
Book Value / Share
30.74
Fair Value
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Fair Value Upside
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ORRF Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
42.25
Upside
+3.58%
Members' Sentiments
Bearish
Bullish
ProTips
Analysts anticipate sales decline in the current year
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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Sell
Technical Indicators
Strong Sell
Moving Averages
Sell

Analyst Ratings

3 Buy
2 Hold
0 Sell
Ratings:
5 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 42.25
(+3.58% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Raymond James
Hold---New CoverageJul 09, 2026
DA Davidson
Hold---New CoverageMay 14, 2026
Keefe, Bruyette & Woods
Buy42.00+2.69%39.00MaintainJul 24, 2025
Raymond James
Buy40.00-2.20%37.00MaintainJul 23, 2025

Orrstown Financial Services Inc Earnings Call Summary for Q4/2025

  • Orrstown Financial Services reported Q4 2025 EPS of $1.11 (beating $1.06 forecast) and revenue of $64.92M, yet stock fell 4.08% to $34.57 in after-hours trading
  • Company achieved record annual net income of $80.9M with diluted EPS of $4.18, supported by 14.76% return on average equity and 4.04% net interest margin
  • Fee income reached $52.3M (21% of total operating income), with strategic growth in wealth management and middle-market lending platforms
  • Management projects 2026 loan growth of 5%+, net interest margin between 3.90-4.00%, quarterly non-interest income of $13-14M, and quarterly expenses around $37M
  • CEO Tom Quinn expressed confidence in maintaining profitability 'in any environment' despite potential challenges from Federal Reserve rate cuts and competitive pressures
Last Updated: 2026-02-03, 05:04 a/m
Read Full Transcript

Earnings

Latest Release
Apr 21, 2026
EPS / Forecast
1.12 / 1.01
Revenue / Forecast
64.58M / 62.8M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 4.37%
Dividend Yield
2.85%
Industry Median 2.81%
Annualized payout
1.20
Paid quarterly
5-Years Growth
+9.78%
Growth Streak

ORRF Income Statement

Compare ORRF to Peers and Sector

Metrics to compare
ORRF
Peers
Sector
Relationship
P/E Ratio
9.6x11.2x10.1x
PEG Ratio
0.070.490.03
Price/Book
1.3x1.2x1.0x
Price / LTM Sales
3.2x3.4x2.9x
Upside (Analyst Target)
1.6%1.3%13.5%
Fair Value Upside
Unlock18.0%2.5%Unlock

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 commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; agricultural loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. The company was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.

Sector
Financial
Employees
640

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
6.43M32.72%265.75M
Other Institutional Investors
6.24M31.78%258.14M
Public Companies & Retail Investors
6.98M35.50%288.35M
Total
19.65M100.00%812.24M

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
BlackRock, Inc.7.54%1,480,56161,206
Dimensional Fund Advisors LP4.58%900,67437,234

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FAQ

What Is the Orrstown (ORRF) Stock Price Today?

The Orrstown stock price today is 40.79 USD.

What Stock Exchange Does Orrstown Trade On?

Orrstown is listed and trades on the Nasdaq Stock Exchange.

What Is the Stock Symbol for Orrstown?

The stock symbol for Orrstown is "ORRF."

Does Orrstown Pay Dividends? What’s The Current Dividend Yield?

The Orrstown dividend yield is 2.85%.

What Is the Orrstown Market Cap?

As of today, Orrstown market cap is 802.42M USD.

What Is Orrstown's Earnings Per Share (TTM)?

The Orrstown EPS (TTM) is 4.37.

When Is the Next Orrstown Earnings Date?

Orrstown will release its next earnings report on Jul 21, 2026.

From a Technical Analysis Perspective, Is ORRF a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has Orrstown Stock Split?

Orrstown has split 8 times.

How Many Employees Does Orrstown Have?

Orrstown has 640 employees.

What is the current trading status of Orrstown (ORRF)?

As of Jul 20, 2026, Orrstown (ORRF) is trading at a price of 40.79 USD, with a previous close of 41.34 USD. The stock has fluctuated within a day range of 40.79 USD to 41.67 USD, while its 52-week range spans from 31.51 USD to 42.54 USD.

What Is Orrstown (ORRF) Price Target According to Analysts?

The average 12-month price target for Orrstown is 42.25 USD, with a high estimate of 44 USD and a low estimate of 41 USD. 3 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +3.58% Upside potential.

What Is the ORRF Premarket Price?

ORRF's last pre-market stock price is 41.35 USD. The pre-market share volume is 70.00, and the stock has decreased by 0.01, or 0.02%.
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