Trailing Dividend / Share
$1.23
Orrstown Financial Services, Inc. (ORRF) Dividend History
Income profile from 1999 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
3.2%
Payout Ratio
25.5%
Sustainable
Dividend Streak
10 years
ORRF Dividend Income Check
Safety
25.5% payout ratio with sustainable safety profile.
Consistency
10 straight years of dividend increases.
Income Trend
Yield on cost is 6.4% and trend is rising.
ORRF Dividend Scorecard
Yield & Income
Dividend Yield3.2%
Trailing DPS$1.23
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout25.5%
Earnings SafetySustainable
FCF Payout34.3%
FCF SafetyWell Covered
Piotroski F-Score6/9
Growth
Growth Streak10 years
3Y CAGR11.7%
5Y CAGR9.3%
Yield on Cost (5Y)6.4%
YOC Trendrising
Total Returns
Buyback Yield0.3%
Total Shareholder Yield3.5%
1Y Total Return34.8%
5Y Total Return76.3%
Div Contribution (5Y)18.1%
Estimated $10K growth (return + dividends):
5Y ago$17,62910Y ago$26,05120Y ago$14,597
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
ORRF Income Growth Story
Dividend per share and yield on cost over time (25 years of payments)
ORRF Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
Orrstown Financial Services, Inc. distributes 25.5% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 34.3%, rated "Well Covered".
Piotroski F-Score: 6/9 — moderate financial health.
Growth Track Record
ORRF has raised its dividend for 10 consecutive years, with a 3-year CAGR of 11.7% and 5-year CAGR of 9.3%.
Total Shareholder Returns
Beyond cash dividends, ORRF returns capital through share repurchases. The combined picture: 3.2% dividend yield, 0.3% buyback yield, 3.5% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 6.4% and is currently rising. The 5-year total return is 76.3%, with dividends contributing 18.1% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $26,051 today.
ORRF Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$4.46
Avg/Payment$0.2230
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| May 5, 2026Latest | $0.3000 | — | 3.09% | May 12, 2026 |
| Feb 10, 2026 | $0.3000 | ↑ +11.1% | 2.90% | Feb 17, 2026 |
| Nov 5, 2025 | $0.2700 | — | 3.11% | Nov 12, 2025 |
| Aug 5, 2025 | $0.2700 | ↑ +3.8% | 3.17% | Aug 12, 2025 |
| May 6, 2025 | $0.2600 | — | 3.28% | May 13, 2025 |
| Feb 14, 2025 | $0.2600 | ↑ +13.0% | 2.73% | Feb 21, 2025 |
| Nov 5, 2024 | $0.2300 | — | 2.31% | Nov 12, 2024 |
| Aug 8, 2024 | $0.2300 | ↑ +15.0% | 2.56% | Aug 15, 2024 |
ORRF Dividend vs Peers
Comparable companies in the same industry
#3 yield in peer group
Div Yield
3.2%
#3 of 9
Safety
Sustainable
25.5% payout
Streak
10Y
9.3% 5Y CAGR
Total Shareholder
3.5%
#6 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
3rd ORRFOrrstown Financial S… | $766M | 3.2% | 25.5% | 10 | Sustainable |
 CZWICitizens Community B… | $205M | 1.7% | 25.0% | 6 | Sustainable |
 FXNCFirst National Corpo… | $265M | 2.1% | 31.2% | 11 | Sustainable |
 MNSBMainStreet Bancshare… | $176M | 1.7% | 19.5% | 0 | Sustainable |
1st  NKSHNational Bankshares,… | $225M | 4.3% | 60.7% | 0 | Watch |
 FUNCFirst United Corpora… | $277M | 2.2% | 24.3% | 7 | Sustainable |
 ACNBACNB Corporation | $592M | 2.4% | 38.8% | 8 | Sustainable |
 FRAFFranklin Financial S… | $276M | 2.1% | 27.5% | 1 | Sustainable |
2nd  PFISPeoples Financial Se… | $623M | 3.9% | 41.6% | 9 | Sustainable |
ORRF Annual Dividend History (1994–2026)
33 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.60 | — | 2 | — | — | — | 3.6% |
| 2025 | $1.06 | 23.3% | 4 | $4.35 | 24.4% | 4.10x | 6.4% |
| 2024 | $0.86 | 7.5% | 4 | $1.48 | 58.1% | 1.72x | 5.2% |
| 2023 | $0.80 | 5.3% | 4 | $3.42 | 23.4% | 4.27x | 4.9% |
| 2022 | $0.76 | 2.7% | 4 | $2.06 | 36.9% | 2.71x | 4.6% |
| 2021 | $0.74 | 8.8% | 4 | $2.96 | 25.0% | 4.00x | 4.5% |
| 2020 | $0.68 | 13.3% | 4 | $2.40 | 28.3% | 3.53x | 4.1% |
| 2019 | $0.60 | 17.6% | 4 | $1.61 | 37.3% | 2.68x | 3.6% |
| 2018 | $0.51 | 21.4% | 4 | $1.50 | 34.0% | 2.94x | 3.1% |
| 2017 | $0.42 | 20.0% | 4 | $0.98 | 42.9% | 2.33x | 2.6% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
27+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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ORRF — Frequently Asked Questions
Quick answers to the most common questions about buying ORRF stock.
How much dividend does ORRF pay per share?
Orrstown Financial Services, Inc. (ORRF) pays a trailing 12-month dividend of $1.23 per share, with a current dividend yield of +3.2%. Payments are made Semi-Annual.
When is ORRF's next ex-dividend date?
ORRF's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. ORRF typically pays dividends Semi-Annual.
Is ORRF's dividend safe?
ORRF's dividend safety is rated "Sustainable" based on an earnings payout ratio of +25.5% and FCF payout ratio of +34.3%. The 10-year growth streak provides moderate confidence.
Is ORRF a Dividend Achiever?
Yes, Orrstown Financial Services, Inc. is classified as a Dividend Achiever with 10 consecutive years of dividend increases. The 5-year dividend CAGR is +9.3%, demonstrating above-inflation dividend growth.
How often does ORRF pay dividends?
Orrstown Financial Services, Inc. pays dividends Semi-Annual. The trailing 12-month total is $1.23 per share. Dividend data on this page covers 27+ years from 1999 to 2026.
How much would $10,000 invested in ORRF grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in ORRF five years ago would be worth approximately $17,629 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is ORRF's yield on cost for long-term holders?
ORRF's yield on cost — the current dividend divided by the original purchase price — is +6.4% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +3.2% market yield, thanks to consistent dividend growth.