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ORRFOrrstown Financial Services, Inc.
$41.04$806M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
ORRF logo

Orrstown Financial Services, Inc.

ORRF
NASDAQ · Regional Banks
$41.04
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$806M
P/E9.8x
52W High$43.81
Volume74.13K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Merger Synergies Drive Efficiency, Flat NIM Caps Upside

Orrstown Financial's post-Codorus Valley merger integration has delivered substantial operating leverage, with the efficiency ratio improving from 62.9% in 2024Q3 to 42.5% in 2026Q2 and revenue doubling to $88.5M quarterly. However, net interest margin remains...

GrowthAccelerating
ProfitabilityStrong
ValuationAttractive
TechnicalsMixed
Explore valuation models
MARKET ACTION

ORRF price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

-34% Peers

P/E is 34% below peer median

03

Market leadership

RS 73 · Avg

Average momentum (RS Rating: 73)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 21

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
ORRF+20.14%
S&P 500 (^GSPC)+12.39%
1-Year Return
ORRF+20.74%
S&P 500 (^GSPC)+15.77%
3-Year Return
ORRF+107.44%
S&P 500 (^GSPC)+75.01%
5-Year Return
ORRF+102.89%
S&P 500 (^GSPC)+69.65%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
9.8x
Forward P/EExpansion
9.5x
EV/EBITDA60th %ile
9.4x
FCF YieldCash Flow
8.7%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
9.8x
8.6x
60th· Fair
EV/EBITDA
9.4x
8.5x
60th· Fair
Price/FCF
11.4x
7.4x
80th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$250M+31.3% YoY
Net income
$81M+266.7% YoY
Free cash flow
$70M+111.2% YoY
Operating margin
29%+19.2 pts YoY
ROIC (TTM)9.3%
Avg ROIC 5Y-
ROE (TTM)14.6%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (90%)
Revenue Beat Rate8/12 (80%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 21, 2026
$1.09+5.8%
vs $1.03
$63M-2.2%
vs $64M
Q2 2026
Apr 21, 2026
$1.12+10.9%
vs $1.01
$65M+2.8%
vs $63M
Q2 2026
Mar 12, 2026
$1.28
vs —
$91M
vs —
Q1 2026
Jan 27, 2026
$1.11+2.8%
vs $1.08
$65M+1.5%
vs $64M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·3d ago
Orrstown Financial Services (ORRF) Could Be a Great Choice

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 Research·Sep 3, 2026
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?

Defense World·Aug 31, 2026
BlackRock Inc. Purchases Shares of 1,680,316 Orrstown Financial Services Inc $ORRF

BlackRock Inc. acquired a new stake in Orrstown Financial Services Inc (NASDAQ: ORRF) during the second quarter, according to its most recent filing with the Securities and Exchange Commission. The firm acquired 1,680,316 shares of the bank's stock, valued at approximately $68,607,000. BlackRock Inc. owned about 8.55% of Orrstown Financial Services as of

Defense World·Aug 28, 2026
Bank of America Corp DE Purchases 27,301 Shares of Orrstown Financial Services Inc $ORRF

Bank of America Corp DE boosted its holdings in shares of Orrstown Financial Services Inc (NASDAQ: ORRF) by 24.2% during the first quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The fund owned 139,990 shares of the bank's stock after buying an additional

Filtered for Orrstown Financial Services, Inc.More Headlines
04

Compare before deciding

Benchmark ORRF against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Orrstown Financial Services, Inc. (ORRF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ORRF logoORRFOrrstown Financial Services, Inc.Current
$41.04$806.35M9.8231.26%22.85%14.59%3%
CZWI logoCZWICitizens Community Bancorp, Inc.
$21.23$204.74M14.54-9.39%14.64%6.77%—
FXNC logoFXNCFirst National Corporation
$29.40$265.8M15.0033.46%18.47%11.57%—
MNSB logoMNSBMainStreet Bancshares, Inc.
$24.80$176.51M14.0912.18%13.25%8%—
NKSH logoNKSHNational Bankshares, Inc.
$41.49$264.23M16.6622.5%44.94%10.92%—
FUNC logoFUNCFirst United Corporation
$42.76$275.97M11.348.34%20.89%12.7%—

Compare ORRF vs Peers

Orrstown Financial Services, Inc. (ORRF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for ORRF.

Scale Benchmark

vs NTRS

Larger-name benchmark to compare ORRF against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, FXNC, MNSB, NKSH

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

ORRF SEC Filings & Documents

Orrstown Financial Services, Inc. (ORRF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 22, 2026·SEC

Material company update

May 29, 2026·SEC

Material company update

May 6, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 31, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 6, 2026·SEC

FY 2026

May 8, 2026·SEC

FY 2025

Nov 6, 2025·SEC

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ORRF Frequently Asked Questions

Orrstown Financial Services, Inc. (ORRF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Orrstown Financial Services, Inc. growing?

Orrstown Financial Services, Inc. (ORRF) grew revenue by 31.3% over the past year. This is strong growth.

Is ORRF profitable?

Yes, Orrstown Financial Services, Inc. (ORRF) is profitable, generating $86.3M in net income for fiscal year 2025 (22.8% net margin).

Dividend & Returns
Does ORRF pay dividends?

Yes, Orrstown Financial Services, Inc. (ORRF) pays a dividend with a yield of 3.00%. This makes it attractive for income-focused investors.

What is ORRF's return on equity?

Orrstown Financial Services, Inc. (ORRF) has a return on equity (ROE) of 14.6%. This is reasonable for most industries.

Industry Metrics
What is Orrstown Financial Services, Inc.'s net interest margin?

Orrstown Financial Services, Inc. (ORRF) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

What is Orrstown Financial Services, Inc.'s efficiency ratio?

Orrstown Financial Services, Inc. (ORRF) has an efficiency ratio of 41.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in ORRF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →