ORRF

Orrstown Financial Services Inc
NASDAQFINANCIAL SERVICESBANKS - REGIONAL

Key Statistics

Market Cap
$861.96M
P/E Ratio
9.76
EPS
$4.49
Beta
0.68
52W High
$46.81
52W Low
$32.36
50-Day MA
$42.36
200-Day MA
$39.42
Dividend Yield
2.66%
Profit Margin
34.00%
Forward P/E
8.89
PEG Ratio
0.00

About Orrstown Financial Services Inc

Orrstown Financial Services, Inc. is the holding company of Orrstown Bank providing trust and commercial banking services in the United States. The company is headquartered in Shippensburg, Pennsylvania.

Official WebsiteUSAFY End: December

Fundamentals

Revenue (TTM)$257.06M
Gross Profit (TTM)$257.06M
EBITDA—
Operating Margin47.30%
Return on Equity14.80%
Return on Assets1.56%
Revenue/Share (TTM)$13.32
Book Value$30.77
Price-to-Book1.43
Price-to-Sales (TTM)3.35
EV/Revenue5.0
EV/EBITDA—
Quarterly Earnings Growth (YoY)3.50%
Quarterly Revenue Growth (YoY)2.60%
Shares Outstanding$19.67M
Float$18.76M
% Insiders3.71%
% Institutions60.13%

Historical Volatility

HV 10-Day
27.47%
HV 20-Day
24.45%
HV 30-Day
22.63%
HV 60-Day
20.45%
HV Rank
44.8%

Volatility is currently expanding

Analyst Ratings

Consensus ($46.75 target)
1
Strong Buy
2
Buy
2
Hold

Latest News

Orrstown Financial Services, Inc. (ORRF) Q3 2026 Earnings Call Transcript

Orrstown Financial Services, Inc. ( ORRF ) Q3 2026 Earnings Call October 21, 2026 9:00 AM EDT Company Participants Adam Metz - President, CEO & Director Neelesh Kalani - Executive VP, CFO & Head of Investor Relations Zachary Khuri - Chief Revenue Officer Conference Call Participants Emily Graves Kenneth Kohut - Raymond James & Associates, Inc., Research Division Jacob Civiello - D.A. Davidson & Co., Research Division Daniel Cardenas - Brean Capital, LLC, Research Division Timothy Switzer - Keefe, Bruyette, & Woods, Inc., Research Division Presentation Operator Good morning.

Seeking Alpha10/21/2026Neutral
Orrstown Financial Services Q3 Earnings Call Highlights

Orrstown Financial Services NASDAQ: ORRF reported third-quarter 2026 net income of $22.8 million, or $1.17 per diluted share, as higher net interest income, loan growth and expense discipline supported improved profitability.

MarketBeat10/21/2026Positive
Orrstown Financial Services, Inc. Reports Third Quarter 2026 Results

Net income of $22.8 million, or $1.17 per diluted share, for the three months ended September 30, 2026 compared to net income of $21.2 million, or $1.09 per diluted share, for the three months ended June 30, 2026; Net interest margin, on a tax equivalent basis, increased by 25 basis points to 4.12% in the third quarter of 2026 compared to 3.87% in the second quarter of 2026; excluding the amortization of the fair value mark on the redeemed subordinated notes, net interest margin was 4.00% (1) in the second quarter of 2026; Return on average assets was 1.60% and return on average equity was 14.62% for the three months ended September 30, 2026, compared to 1.53% and 13.96%, respectively, for the three months ended June 30, 2026; Total loans increased by $95.3 million, or 9% annualized, from June 30, 2026 to September 30, 2026; classified loans decreased by 8% during the third quarter of 2026; nonaccrual loans to total loans decreased to 0.54% at September 30, 2026 from 0.58% at June 30, 2026; Total deposits decreased by $38.1 million, or 3% annualized, from June 30, 2026 to September 30, 2026; Efficiency ratio was 56.0% for the three months ended September 30, 2026 compared to 60.1% for the three months ended June 30, 2026; Federal income tax credits purchased resulted in a $0.4 million income tax benefit for the third quarter of 2026 compared to an income tax benefit of $1.6 million from tax credit purchases during the second quarter of 2026; The Board of Directors declared a cash dividend of $0.30 per common share, payable November 10, 2026, to shareholders of record as of November 3, 2026. HARRISBURG, Pa.

GlobeNewsWire10/20/2026Neutral
Orrstown Financial Services, Inc. Announces Date of Third Quarter 2026 Earnings Release, Conference Call and Webcast

HARRISBURG, Pa., Oct. 07, 2026 (GLOBE NEWSWIRE) -- Orrstown Financial Services, Inc. (NASDAQ: ORRF), the holding company of Orrstown Bank, announced today that it will report third quarter 2026 earnings at the close of business on Tuesday, October 20, 2026. Management will host a conference call and webcast to review the Company's quarterly results on Wednesday, October 21, 2026, at 9:00 am ET. The conference call and webcast details are below:

GlobeNewsWire10/7/2026Neutral
What Makes Orrstown (ORRF) a New Buy Stock

Orrstown (ORRF) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Zacks Investment Research9/24/2026Positive
Are You Looking for a High-Growth Dividend Stock?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown (ORRF) have what it takes?

Zacks Investment Research9/3/2026Positive
Recent Debt Repayment Is One Of Several Reasons For Optimism For Orrstown Financial Services

Orrstown Financial Services offers steady returns, strong operational metrics, and prudent capital management, warranting a Buy rating. ORRF's Q2 2026 EPS of $1.09 beat expectations, with ROA at 1.53% and ROE at 13.96%, both above FDIC averages. The company's loan portfolio is heavily weighted to commercial real estate, posing concentration risk, but asset quality remains robust.

Seeking Alpha8/26/2026Positive

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Data last updated: 11/7/2026