Orrstown Financial Services, Inc. (ORRF) P/E Ratio History
Fairly ValuedTrading at 9.0x, near 5Y avg of 10.4x · 60th percentile · In line with own history · Data 2000–2025
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P/E Ratio Analysis
As of June 21, 2026, Orrstown Financial Services, Inc. (ORRF) trades at a price-to-earnings ratio of 9.0x, with a stock price of $39.03 and trailing twelve-month earnings per share of $4.83.
The current P/E is 14% below its 5-year average of 10.4x. Over the past five years, ORRF's P/E has ranged from a low of 5.9x to a high of 19.9x, placing the current valuation at the 60th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.6x, ORRF trades at a 34% discount to its sector peers. The sector includes 783 companies with P/E ratios ranging from 0.0x to 196.5x.
The PEG ratio of 0.71 (P/E divided by 194% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, ORRF trades at a notable discount to the S&P 500 median P/E of 24.4x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our ORRF DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
ORRF Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
ORRF P/E vs Peers
Commercial and middle-market focused banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $205M | 14.6 | 2.88 | +9% | |
| $265M | 15.0 | 10.03 | +96% | |
| $176M | 13.6 | - | +210% | |
| $225M | 14.2 | - | +101% | |
| $277M | 11.3 | 0.86Best | +20% | |
| $592M | 15.9 | 1.44 | -3% | |
| $276M | 13.0 | 1.28 | +89% | |
| $623M | 10.6Lowest | 1.32 | +494%Best | |
| $2B | 14.0 | 1.99 | +13% | |
| $2B | 21.9 | - | -16% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
ORRF Historical P/E Data (2000–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Dec 31 2025 | $35.42 | $4.35 | 8.1x | -53% |
| FY2025 Q3 | - | $33.98 | $3.78 | 9.0x | -48% |
| FY2025 Q2 | Jun 30 2025 | $31.83 | $2.24 | 14.2x | -17% |
| FY2025 Q1 | Mar 31 2025 | $30.01 | $1.96 | 15.3x | -11% |
| FY2024 Q4 | - | $36.61 | $1.84 | 19.9x | +16% |
| FY2024 Q3 | Sep 30 2024 | $35.96 | $1.86 | 19.3x | +12% |
| FY2024 Q2 | Jun 30 2024 | $27.36 | $3.14 | 8.7x | -49% |
| FY2024 Q1 | Mar 31 2024 | $26.77 | $3.35 | 8.0x | -54% |
| FY2023 Q4 | Dec 31 2023 | $29.50 | $3.41 | 8.7x | -50% |
| FY2023 Q3 | Sep 30 2023 | $21.01 | $3.59 | 5.9x | -66% |
| FY2023 Q2 | Jun 30 2023 | $19.15 | $2.25 | 8.5x | -51% |
| FY2023 Q1 | Mar 31 2023 | $19.86 | $2.14 | 9.3x | -46% |
| FY2022 Q4 | Dec 31 2022 | $23.16 | $2.03 | 11.4x | -34% |
| FY2022 Q3 | Sep 30 2022 | $23.92 | $1.72 | 13.9x | -19% |
| FY2022 Q2 | - | $24.17 | $2.84 | 8.5x | -51% |
| FY2022 Q1 | - | $22.93 | $2.80 | 8.2x | -52% |
| FY2021 Q4 | Dec 31 2021 | $25.20 | $2.96 | 8.5x | -51% |
| FY2021 Q3 | - | $23.40 | $3.27 | 7.2x | -58% |
| FY2021 Q2 | Jun 30 2021 | $23.07 | $3.07 | 7.5x | -56% |
| FY2021 Q1 | Mar 31 2021 | $22.30 | $2.86 | 7.8x | -55% |
| FY2020 Q4 | - | $16.55 | $2.40 | 6.9x | -60% |
| FY2020 Q3 | Sep 30 2020 | $12.80 | $1.87 | 6.8x | -60% |
| FY2020 Q2 | - | $14.75 | $2.04 | 7.2x | -58% |
| FY2020 Q1 | - | $13.77 | $1.72 | 8.0x | -54% |
| FY2019 Q4 | - | $22.62 | $1.59 | 14.2x | -17% |
| FY2019 Q3 | Sep 30 2019 | $21.90 | $1.33 | 16.5x | -4% |
| FY2019 Q2 | Jun 30 2019 | $21.99 | $1.20 | 18.3x | +6% |
| FY2019 Q1 | Mar 31 2019 | $18.59 | $1.42 | 13.1x | -24% |
| FY2018 Q4 | Dec 31 2018 | $18.21 | $1.53 | 11.9x | -31% |
| FY2018 Q3 | Sep 30 2018 | $23.80 | $1.41 | 16.9x | -2% |
| FY2018 Q2 | Jun 30 2018 | $26.00 | $1.26 | 20.6x | +20% |
| FY2018 Q1 | Mar 31 2018 | $24.15 | $1.18 | 20.5x | +19% |
| FY2017 Q4 | Dec 31 2017 | $25.25 | $0.98 | 25.7x | +49% |
| FY2017 Q3 | Sep 30 2017 | $24.90 | $1.22 | 20.4x | +19% |
| FY2017 Q2 | Jun 30 2017 | $22.85 | $1.06 | 21.6x | +25% |
| FY2017 Q1 | Mar 31 2017 | $22.35 | $0.74 | 30.2x | +75% |
| FY2016 Q4 | Dec 31 2016 | $22.40 | $0.82 | 27.3x | +59% |
| FY2016 Q3 | Sep 30 2016 | $19.75 | $0.76 | 26.0x | +51% |
| FY2016 Q2 | - | $18.05 | $0.88 | 20.5x | +19% |
| FY2016 Q1 | - | $17.32 | $0.98 | 17.7x | +3% |
| FY2015 Q4 | - | $17.84 | $0.96 | 18.6x | +8% |
| FY2015 Q3 | Sep 30 2015 | $16.86 | $3.14 | 5.4x | -69% |
| FY2015 Q2 | - | $16.18 | $3.48 | 4.6x | -73% |
| FY2015 Q1 | - | $17.10 | $3.65 | 4.7x | -73% |
| FY2014 Q4 | Dec 31 2014 | $17.00 | $3.59 | 4.7x | -73% |
| FY2014 Q3 | - | $16.31 | $1.59 | 10.3x | -40% |
| FY2014 Q2 | Jun 30 2014 | $16.54 | $1.21 | 13.7x | -21% |
| FY2014 Q1 | Mar 31 2014 | $16.48 | $1.28 | 12.9x | -25% |
| FY2013 Q4 | - | $16.35 | $1.23 | 13.3x | -23% |
| FY2013 Q3 | Sep 30 2013 | $17.45 | $1.00 | 17.4x | +1% |
| FY2011 Q3 | Sep 30 2011 | $12.85 | $0.24 | 53.5x | +211% |
| FY2011 Q2 | - | $26.31 | $0.31 | 84.9x | +393% |
| FY2011 Q1 | - | $28.00 | $2.13 | 13.1x | -24% |
| FY2010 Q4 | Dec 31 2010 | $27.41 | $2.17 | 12.6x | -27% |
| FY2010 Q3 | - | $23.16 | $2.08 | 11.1x | -35% |
| FY2010 Q2 | Jun 30 2010 | $22.13 | $2.07 | 10.7x | -38% |
| FY2010 Q1 | Mar 31 2010 | $25.37 | $2.09 | 12.1x | -30% |
| FY2009 Q4 | - | $34.88 | $2.02 | 17.3x | +0% |
| FY2009 Q3 | Sep 30 2009 | $38.64 | $2.04 | 18.9x | +10% |
| FY2009 Q2 | - | $37.24 | $1.90 | 19.6x | +14% |
| FY2009 Q1 | - | $24.00 | $1.93 | 12.4x | -28% |
| FY2008 Q4 | Dec 31 2008 | $27.00 | $1.96 | 13.8x | -20% |
| FY2008 Q3 | - | $30.50 | $1.96 | 15.6x | -10% |
| FY2008 Q2 | Jun 30 2008 | $30.00 | $2.01 | 14.9x | -13% |
| FY2008 Q1 | Mar 31 2008 | $30.10 | $1.95 | 15.4x | -10% |
| FY2007 Q4 | Dec 31 2007 | $30.00 | $1.90 | 15.8x | -8% |
| FY2007 Q3 | Sep 30 2007 | $31.74 | $1.87 | 17.0x | -1% |
| FY2007 Q2 | Jun 30 2007 | $32.78 | $1.80 | 18.2x | +6% |
| FY2007 Q1 | Mar 31 2007 | $33.81 | $1.81 | 18.7x | +8% |
| FY2006 Q4 | Dec 31 2006 | $34.81 | $1.80 | 19.3x | +12% |
| FY2006 Q3 | Sep 30 2006 | $35.29 | $1.77 | 19.9x | +16% |
| FY2006 Q2 | Jun 30 2006 | $35.24 | $1.80 | 19.6x | +14% |
| FY2006 Q1 | Mar 31 2006 | $30.95 | $1.74 | 17.8x | +3% |
| FY2005 Q4 | Dec 31 2005 | $32.86 | $1.69 | 19.4x | +13% |
| FY2005 Q3 | Sep 30 2005 | $36.14 | $1.64 | 22.0x | +28% |
| FY2005 Q2 | - | $39.76 | $1.50 | 26.5x | +54% |
| FY2005 Q1 | - | $37.46 | $1.40 | 26.8x | +55% |
| FY2004 Q4 | Dec 31 2004 | $40.82 | $1.34 | 30.5x | +77% |
| FY2004 Q3 | - | $39.00 | $1.31 | 29.8x | +73% |
| FY2004 Q2 | Jun 30 2004 | $36.85 | $1.28 | 28.8x | +67% |
| FY2004 Q1 | Mar 31 2004 | $39.00 | $1.27 | 30.7x | +78% |
| FY2003 Q4 | Dec 31 2003 | $30.39 | $1.23 | 24.7x | +43% |
| FY2003 Q3 | - | $30.27 | $1.16 | 26.1x | +52% |
| FY2003 Q2 | Jun 30 2003 | $26.30 | $1.14 | 23.1x | +34% |
| FY2003 Q1 | Mar 31 2003 | $21.01 | $1.09 | 19.3x | +12% |
| FY2002 Q4 | - | $20.30 | $1.06 | 19.2x | +11% |
| FY2002 Q3 | Sep 30 2002 | $19.87 | $1.03 | 19.3x | +12% |
| FY2002 Q2 | Jun 30 2002 | $19.05 | $1.00 | 19.1x | +11% |
| FY2002 Q1 | Mar 31 2002 | $16.95 | $0.96 | 17.7x | +3% |
| FY2001 Q4 | Dec 31 2001 | $16.84 | $0.93 | 18.1x | +5% |
| FY2001 Q3 | Sep 30 2001 | $16.41 | $0.90 | 18.2x | +6% |
| FY2001 Q2 | Jun 30 2001 | $16.50 | $0.84 | 19.6x | +14% |
| FY2001 Q1 | Mar 31 2001 | $15.63 | $0.81 | 19.3x | +12% |
| FY2000 Q4 | Dec 31 2000 | $16.45 | $0.78 | 21.1x | +22% |
| FY2000 Q3 | Sep 30 2000 | $15.63 | $0.75 | 20.8x | +21% |
Average P/E for displayed period: 17.2x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
26+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
ORRF — Frequently Asked Questions
Quick answers to the most common questions about buying ORRF stock.
What is ORRF's P/E ratio?
Orrstown Financial Services, Inc. (ORRF) trailing twelve-month P/E ratio is 9.0x, based on TTM diluted EPS of $4.83. The 5-year average P/E is 10.4x and the historical range spans 5.9x to 19.9x.
Is ORRF stock overvalued or undervalued?
ORRF trades at 9.0x P/E, near its 5-year average of 10.4x. The 60th percentile ranking within the 5.9x–19.9x historical range places valuation within normal bounds.
Is ORRF stock expensive?
ORRF is fairly valued relative to its own history. The current P/E of 9.0x is near the 5-year average of 10.4x (60th percentile of historical range).
What is ORRF's historical P/E range?
Over the past 5 years, ORRF's P/E ratio has ranged from 5.9x to 19.9x, with a median of 8.7x and an average of 10.4x. The current P/E of 9.0x places the stock at the 60th percentile of this range. Full historical data spans 2000–2025.
How does ORRF's P/E compare to the S&P 500?
ORRF trades at 9.0x P/E versus the S&P 500 median of 24.4x. The 63% discount to the market suggests lower growth expectations or perceived higher risk.
How does ORRF's valuation compare to Financial Services peers?
Orrstown Financial Services, Inc. P/E of 9.0x compares to the Financial Services sector median of 13.6x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is ORRF's PEG ratio?
ORRF PEG ratio is 0.71, based on a P/E of 9.0x and EPS growth of 193.9%. A PEG below 1.0 indicates the valuation is supported by the earnings growth rate — typically considered attractive.
What is ORRF's earnings yield?
ORRF earnings yield is 11.15%, the inverse of its 9.0x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.