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Orrstown Financial Services, Inc. (ORRF) Total Return Calculator with Dividends Reinvested

Orrstown Financial Services, Inc.

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The total return for Orrstown Financial Services, Inc. (ORRF) stock is +28.47% over the past 12 months. So far it's up 7.59% this year. The 5-year total return is +72.22%, meaning $10,000 invested in ORRF stock 5 years ago would be worth $17,222 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in ORRF 1 year ago, it would be worth $12,818 today — you'd have gained $2,818 with dividends reinvested.

With Dividends Reinvested$12,818+28.18%

Price Only (No DRIP)$12,411+24.11%

Dividend Boost+$4074 payments · +4.07% extra

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in ORRF

1Y$12,847+$2,847 (+28.5%)28.5% CAGR

3Y$24,320+$14,320 (+143.2%)34.5% CAGR

5Y$17,222+$7,222 (+72.2%)11.5% CAGR

10Y$23,937+$13,937 (+139.4%)9.1% CAGR

15Y$17,558+$7,558 (+75.6%)3.8% CAGR

20Y$14,576+$4,576 (+45.8%)1.9% CAGR

30Y$49,735+$39,735 (+397.3%)5.5% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-08-05	$0.27	$32.18	+0.008390
2025-11-05	$0.27	$34.06	+0.007994
2026-02-10	$0.30	$37.90	+0.008045
2026-05-05	$0.30	$36.90	+0.008329

Loading ORRF total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+7.59%	—	+5.87%	+1.72 pp	$10,759
1Y	+28.47%	28.47%	+23.78%	+4.69 pp	$12,847
3Y	+143.20%	34.48%	+124.27%	+18.93 pp	$24,320
5Y	+72.22%	11.49%	+53.68%	+18.54 pp	$17,222
10Y	+139.37%	9.12%	+99.89%	+39.48 pp	$23,937
15Y	+75.58%	3.82%	+44.15%	+31.44 pp	$17,558
20Y	+45.76%	1.90%	+9.32%	+36.44 pp	$14,576
30Y	+397.35%	5.49%	+251.33%	+146.01 pp	$49,735

Risk & Highlights

Best Year+63.83%2013

Worst Year-70.94%2011

Max Drawdown-13.86%2026-02-06 → 2026-03-18

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+3.81%	+2.95%	+0.9pp	+0.41%	+3.4pp
2025	+1.59%	-1.36%	+3.0pp	+16.64%	-15.1pp
2024	+27.71%	+24.78%	+2.9pp	+24.00%	+3.7pp
2023	+30.21%	+26.77%	+3.4pp	+24.81%	+5.4pp
2022	-5.04%	-8.06%	+3.0pp	-19.95%	+14.9pp

ORRF underperformed the S&P 500 by 2.86pp over the past year (+28.47% vs +31.32%).

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ORRF Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
ORRFOrrstown Financial Services, Inc.	$725M	+0.7%	+7.6%	+28.5%	+4.7pp	+143.2%	+72.2%	+139.4%
CZWICitizens Community Bancorp, Inc.	$203M	+4.6%	+21.3%	+42.9%	+0.7pp	+159.5%	+73.4%	+156.6%
FXNCFirst National Corporation	$249M	-0.4%	+12.8%	+44.4%	+3.3pp	+107.6%	+66.3%	+239.8%
MNSBMainStreet Bancshares, Inc.	$175M	+2.9%	+18.6%	+24.1%	+2.6pp	+20.7%	+18.6%	+128.0%
NKSHNational Bankshares, Inc.	$234M	+0.3%	+11.2%	+47.8%	+5.8pp	+51.4%	+28.3%	+50.4%
FUNCFirst United Corporation	$244M	+0.3%	+2.6%	+27.7%	+3.3pp	+213.3%	+129.8%	+283.2%
ACNBACNB Corporation	$551M	+9.0%	+13.5%	+28.1%	+3.4pp	+101.9%	+105.3%	+191.0%
FRAFFranklin Financial Services Corporation	$257M	+7.9%	+18.3%	+52.0%	+3.5pp	+147.4%	+114.3%	+193.7%
PFISPeoples Financial Services Corp.	$589M	+7.2%	+23.5%	+34.4%	+5.4pp	+70.5%	+58.0%	+93.0%
NBTBNBT Bancorp Inc.	$2.4B	+3.5%	+9.6%	+9.3%	+3.4pp	+54.5%	+29.5%	+102.2%
CNOBConnectOne Bancorp, Inc.	$1.5B	+10.4%	+16.2%	+33.1%	+3.1pp	+126.2%	+19.0%	+111.5%

Compare:ORRF vs CZWI ORRF vs FXNC ORRF vs MNSB ORRF vs CZWI vs FXNC

About ORRF Dividend Returns

Orrstown Financial Services, Inc. (ORRF) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of ORRF over the past year?

Orrstown Financial Services, Inc. (ORRF) delivered a total return of 28.47% over the past year when dividends are reinvested. The price-only return was 23.78%, meaning dividends contributed an additional 4.69 percentage points to total returns.

Q2How much would $10,000 invested in ORRF be worth today?

A $10,000 investment in Orrstown Financial Services, Inc. one year ago would be worth $12,847 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $12,378. Dividend reinvestment added $469 to the portfolio value.

Q3Does ORRF pay dividends?

Yes, Orrstown Financial Services, Inc. (ORRF) pays dividends. In the last year, ORRF paid approximately $1.23 per share in dividends (3.33% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did ORRF beat the S&P 500?

No, Orrstown Financial Services, Inc. (ORRF) underperformed the S&P 500 by 2.86 percentage points over the past year. ORRF delivered a total return of 28.47%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed ORRF by 2.86pp during this period.

Q5What is ORRF's worst drawdown?

Orrstown Financial Services, Inc. (ORRF) experienced a maximum drawdown of -13.86% over the past year, declining from its peak on 2026-02-06 to its trough on 2026-03-18. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is ORRF's long-term total return over 10, 20, or 30 years?

Here are Orrstown Financial Services, Inc. (ORRF)'s long-term returns with dividends reinvested. Over 10 years, the total return is 139.4% (9.1% CAGR) — $10,000 would have grown to $23,937. Over 20 years: 45.8% total return (1.9% CAGR) — $10,000 → $14,576. Over 30 years: 397.3% total return (5.5% CAGR) — $10,000 → $49,735. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was ORRF's best and worst year?

Orrstown Financial Services, Inc.'s best calendar year was 2013 with a total return of 63.8%. Its worst year was 2011 with a total return of -70.9%. This range shows the volatility investors should expect — the difference between the best and worst year is 134.8 percentage points.