Orrstown Financial Services, Inc.
ORRF
NASDAQ·Financial Services·Banks - Regional·Mkt cap $847.4M
$43.13
▲ +1.58%
P/E
9.32
Mkt Cap
$847.4M
52-Wk Range
$31.87–$43.81
52-Week Range
$31.87 - $43.81
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 23.2% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Century-old brand heritage and community trust since 1919
- Diversified geographic footprint across 11 counties in Pennsylvania and Maryland
- Comprehensive service offerings from commercial lending to fiduciary services
- Established relationships in Mid-Atlantic markets with local market expertise
Bear Case
1 risk
- Low volatility (beta 0.7).
Growth
Revenue decline expected
Expansion of commercial real estate and equipment financing in growing markets
Value
Trading at 0.8x Commercial Banking peers — a discount despite the growth profile.
Momentum
Strong
+14.0% over 3m
Quality
Excellent
High-growth business (20% revenue growth, 71% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.71% yield
Smart-money signal
Who's buying ORRF right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 20, 2026
JUL 21, 2026
Reported EPS of $1.09 vs $1.03 consensus (+5.8% surprise). Revenue of $62.7M vs $64.1M expected (-2.2%).
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+5.8%
Revenue trend · last 8Q
—
+90%
+80%
+88%
+0%
+49%
+4%
+2%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$63.3M
$61.0M
$86.5M
$87.1M
$89.6M
$90.7M
$89.9M
$88.5M
Margins · last 8Q
Gross
70.4%
Operating
27.9%
Profit
23.9%
Wall Street consensus
1 analyst · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
—
Latest: Raymond James · Jul 9, 2026
vs Industry
How ORRF stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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