ORRF trades 6.4% above Wall Street's consensus target of $41.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes ORRF achieves its forward estimates and maintains a stable P/E multiple of 9.9x. This scenario reflects the blended consensus of 7 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of November 8, 2026, Orrstown Financial Services, Inc. (ORRF) has a Wall Street consensus price target of $41.00, based on estimates from 7 covering analysts. With the stock currently trading at $43.82, this represents a potential downside of -6.4%. The company has a market capitalization of $861M.
Analyst price targets range from a low of $41.00 to a high of $41.00, representing a 0% spread in expectations. The median target of $41.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 2 analysts rating the stock as a Buy or Strong Buy,5 rating it Hold, and 0 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, ORRF trades at a trailing P/E of 9.8x and forward P/E of 9.9x. The forward PEG ratio of 0.84 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow -0.0% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $54.22, with bear and bull scenarios of $34.16 and $71.44 respectively. Model confidence stands at 50/100, reflecting moderate uncertainty in projections.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 CZWICitizens Community Bancorp, Inc. | $225M | $23.38 | $24.00 | +2.7% | Buy | 15.0x | 3 |
 FXNCFirst National Corporation | $275M | $30.42 | $21.00 | -31.0% | Buy | 11.6x | 1 |
 MNSBMainStreet Bancshares, Inc. | $157M | $22.11 | — | — | Hold | 10.6x | 1 |
 NKSHNational Bankshares, Inc. | $250M | $39.19 | — | — | Buy | 11.2x | 4 |
 FUNCFirst United Corporation | $296M | $45.92 | $49.50 | +7.8% | Buy | 10.2x | 1 |
 ACNBACNB Corporation | $669M | $65.54 | $61.00 | -6.9% | Buy | 11.5x | 2 |
 FRAFFranklin Financial Services Corporation | $310M | $69.08 | — | — | — | 11.0x | — |
 PFISPeoples Financial Services Corp. | $723M | $72.24 | $56.00 | -22.5% | Hold | 11.2x | 1 |
 NBTBNBT Bancorp Inc. | $2.7B | $52.83 | $57.67 | +9.2% | Hold | 12.6x | 10 |
 CNOBConnectOne Bancorp, Inc. | $1.6B | $32.42 | $37.00 | +14.1% | Buy | 10.9x | 11 |
Quick answers to the most common questions about buying ORRF stock.
Wall Street's consensus price target for ORRF is $41, -6.4% from its current price of $43.82. The below-market target from 7 analysts suggests limited near-term appreciation.
ORRF has a consensus rating of "Hold" based on 7 Wall Street analysts. The rating breakdown is mixed, with 5 Hold ratings making up the largest segment. The consensus 12-month price target of $41 implies -6.4% downside from current levels.
With a forward P/E of 9.8649x, ORRF trades at a relatively low valuation. The consensus target of $41 implies -6.4% move, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $41 for ORRF, while the most conservative target is $41. The consensus of $41 represents the median expectation. Our quantitative valuation model projects a bull case target of $71 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
ORRF is moderately covered, with 7 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 2 have Buy ratings, 5 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month ORRF stock forecast based on 7 Wall Street analysts shows a consensus price target of $41, with estimates ranging from $41 (bear case) to $41 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $54, with bear/bull scenarios of $34/$71.
Our quantitative valuation model calculates ORRF's fair value at $54 (base case), with a bear case of $34 and bull case of $71. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 50/100.
ORRF trades at a forward P/E ratio of 9.9x based on next-twelve-months earnings estimates compared to a trailing P/E of 9.8x. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Analysts are cautious on ORRF, with 0 Sell ratings and a price target of $41 (-6.4% from current price). The "Hold" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
ORRF analyst price targets range from $41 to $41, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $41 consensus represents the middle ground. Our model's $34-$71 range provides an independent fundamental perspective.
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