(ORRF) Orrstown Financial - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 698m USD | Total Return: 26.6% in 12m

Stock Banking, Loans, Deposits, Advisory, Fiduciary
Total Rating 53
Risk 62
Buy Signal 0.70
Banks - Regional +1.6
Regional Banks +2.1
Market Cap: 698m
Avg Trading Vol: 5.27M USD
ATR: 2.84%
Peers RS (IBD): 58.2
Risk 5d forecast
Volatility41.5%
Rel. Tail Risk-37.4%
Reward TTM
Sharpe Ratio0.76
Alpha8.91
Character TTM
Beta0.786
Beta Downside1.361
Drawdowns 3y
Max DD35.92%
CAGR/Max DD0.75
EPS (Earnings per Share) EPS (Earnings per Share) of ORRF over the last years for every Quarter: "2021-03": 0.93, "2021-06": 0.79, "2021-09": 0.63, "2021-12": 0.58, "2022-03": 0.77, "2022-06": 0.83, "2022-09": 0.75, "2022-12": 0.91, "2023-03": 0.87, "2023-06": 0.94, "2023-09": 0.87, "2023-12": 0.83, "2024-03": 0.88, "2024-06": 0.83, "2024-09": 1.11, "2024-12": 0.87, "2025-03": 1, "2025-06": 1.04, "2025-09": 1.13, "2025-12": 1.11,
EPS CAGR: 10.24%
EPS Trend: 79.5%
Last SUE: 0.48
Qual. Beats: 0
Revenue Revenue of ORRF over the last years for every Quarter: 2021-03: 31.224, 2021-06: 30.001, 2021-09: 29.548, 2021-12: 30.872, 2022-03: 30.959, 2022-06: 32.226, 2022-09: 33.148, 2022-12: 37.986, 2023-03: 40.057, 2023-06: 43.751, 2023-09: 44.302, 2023-12: 46.187, 2024-03: 48.929, 2024-06: 50.112, 2024-09: 94.589, 2024-12: 90.457, 2025-03: 86.466, 2025-06: 87.133, 2025-09: 89.612, 2025-12: 90.652,
Rev. CAGR: 33.18%
Rev. Trend: 95.3%
Last SUE: 4.00
Qual. Beats: 15
Description: ORRF Orrstown Financial

Orrstown Financial Services, Inc. is a financial holding company operating Orrstown Bank. The company provides commercial banking and financial advisory services to diverse client segments including retail, commercial, non-profit, and government entities.

Its core business involves accepting various deposit types, such as checking, savings, and money market accounts. Orrstown Bank also originates a broad range of loans, including commercial real estate, consumer, and residential mortgage loans. Regional banks often focus on community lending and local market penetration.

Beyond traditional banking, Orrstown Financial Services offers financial advisory services under the Orrstown Financial Advisors brand. These services encompass trustee, executor, investment advisory, and other fiduciary roles. The company also provides retail brokerage services through a third-party partnership. Diversified financial services can provide additional revenue streams beyond interest income.

To learn more about ORRFs performance metrics and competitive landscape, ValueRay offers detailed analysis.

Headlines to Watch Out For
  • Net interest income growth from loan portfolio expansion
  • Deposit growth and cost of funds impact profitability
  • Regulatory changes in banking sector increase compliance costs
  • Economic conditions affect loan demand and credit quality
  • Wealth management services contribute to non-interest income
Piotroski VR‑10 (Strict) 4.0
Net Income: 80.9m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.66 > 1.0
NWC/Revenue: 34.15% < 20% (prev -1.25k%; Δ 1.28k% < -1%)
CFO/TA 0.01 > 3% & CFO 74.7m > Net Income 80.9m
Net Debt (294.3m) to EBITDA (116.7m): 2.52 < 3
Current Ratio: 1.13 > 1.5 & < 3
Outstanding Shares: last quarter (16.8m) vs 12m ago -13.18% < -2%
Gross Margin: 70.64% > 18% (prev 0.61%; Δ 7.00k% > 0.5%)
Asset Turnover: 6.44% > 50% (prev 5.22%; Δ 1.22% > 0%)
Interest Coverage Ratio: 0.99 > 6 (EBITDA TTM 116.7m / Interest Expense TTM 103.9m)
Altman Z'' 0.42
A: 0.02 (Total Current Assets 1.02b - Total Current Liabilities 895.4m) / Total Assets 5.54b
B: 0.03 (Retained Earnings 186.8m / Total Assets 5.54b)
C: 0.02 (EBIT TTM 102.7m / Avg Total Assets 5.49b)
D: 0.03 (Book Value of Equity 172.6m / Total Liabilities 4.95b)
Altman-Z'' Score: 0.42 = B
Beneish M -3.11
DSRI: 0.82 (Receivables 21.5m/21.1m, Revenue 353.9m/284.1m)
GMI: 0.87 (GM 70.64% / 61.20%)
AQI: 1.02 (AQ_t 0.81 / AQ_t-1 0.79)
SGI: 1.25 (Revenue 353.9m / 284.1m)
TATA: 0.00 (NI 80.9m - CFO 74.7m) / TA 5.54b)
Beneish M-Score: -3.11 (Cap -4..+1) = AA
What is the price of ORRF shares? As of April 03, 2026, the stock is trading at USD 36.08 with a total of 299,085 shares traded.
Over the past week, the price has changed by +3.17%, over one month by -0.08%, over three months by +5.27% and over the past year by +26.63%.
Is ORRF a buy, sell or hold? Orrstown Financial has received a consensus analysts rating of 4.40. Therefore, it is recommended to buy ORRF.
  • StrongBuy: 2
  • Buy: 3
  • Hold: 0
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the ORRF price?
Wallstreet Target Price 41.5 15%
Analysts Target Price 41.5 15%
ORRF Fundamental Data Overview as of 01 April 2026
P/E Trailing = 8.5072
P/E Forward = 8.8889
P/S = 2.7677
P/B = 1.1529
Revenue TTM = 353.9m USD
EBIT TTM = 102.7m USD
EBITDA TTM = 116.7m USD
Long Term Debt = 311.8m USD (from longTermDebt, last quarter)
Short Term Debt = 24.5m USD (from shortTermDebt, last quarter)
Debt = 336.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 294.3m USD (from netDebt column, last quarter)
Enterprise Value = 39.2m USD (697.7m + Debt 336.4m - CCE 994.8m)
Interest Coverage Ratio = 0.99 (Ebit TTM 102.7m / Interest Expense TTM 103.9m)
EV/FCF = 0.56x (Enterprise Value 39.2m / FCF TTM 70.5m)
FCF Yield = 179.7% (FCF TTM 70.5m / Enterprise Value 39.2m)
FCF Margin = 19.92% (FCF TTM 70.5m / Revenue TTM 353.9m)
Net Margin = 22.85% (Net Income TTM 80.9m / Revenue TTM 353.9m)
Gross Margin = 70.64% ((Revenue TTM 353.9m - Cost of Revenue TTM 103.9m) / Revenue TTM)
Gross Margin QoQ = 71.62% (prev 70.39%)
Tobins Q-Ratio = 0.01 (Enterprise Value 39.2m / Total Assets 5.54b)
Interest Expense / Debt = 7.65% (Interest Expense 25.7m / Debt 336.4m)
Taxrate = 21.83% (6.00m / 27.5m)
NOPAT = 80.3m (EBIT 102.7m * (1 - 21.83%))
Current Ratio = 1.13 (Total Current Assets 1.02b / Total Current Liabilities 895.4m)
Debt / Equity = 0.57 (Debt 336.4m / totalStockholderEquity, last quarter 591.5m)
Debt / EBITDA = 2.52 (Net Debt 294.3m / EBITDA 116.7m)
Debt / FCF = 4.17 (Net Debt 294.3m / FCF TTM 70.5m)
Total Stockholder Equity = 561.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.47% (Net Income 80.9m / Total Assets 5.54b)
RoE = 14.41% (Net Income TTM 80.9m / Total Stockholder Equity 561.2m)
RoCE = 11.76% (EBIT 102.7m / Capital Employed (Equity 561.2m + L.T.Debt 311.8m))
RoIC = 10.11% (NOPAT 80.3m / Invested Capital 794.4m)
WACC = 7.85% (E(697.7m)/V(1.03b) * Re(8.75%) + D(336.4m)/V(1.03b) * Rd(7.65%) * (1-Tc(0.22)))
Discount Rate = 8.75% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 26.82%
[DCF] Terminal Value 80.80% ; FCFF base≈55.7m ; Y1≈63.6m ; Y5≈88.1m
[DCF] Fair Price = 65.87 (EV 1.59b - Net Debt 294.3m = Equity 1.29b / Shares 19.6m; r=7.85% [WACC]; 5y FCF grow 16.65% → 3.0% )
EPS Correlation: 79.48 | EPS CAGR: 10.24% | SUE: 0.48 | # QB: 0
Revenue Correlation: 95.26 | Revenue CAGR: 33.18% | SUE: 4.0 | # QB: 15
EPS next Quarter (2026-06-30): EPS=1.05 | Chg7d=-0.004 | Chg30d=-0.002 | Revisions Net=+1 | Analysts=4
EPS current Year (2026-12-31): EPS=4.22 | Chg7d=-0.018 | Chg30d=+0.005 | Revisions Net=-1 | Growth EPS=-1.3% | Growth Revenue=+2.1%
EPS next Year (2027-12-31): EPS=4.34 | Chg7d=-0.039 | Chg30d=-0.010 | Revisions Net=-1 | Growth EPS=+2.8% | Growth Revenue=+3.3%
[Analyst] Revisions Ratio: +0.33 (2 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -3.0% (Discount Rate 8.8% - Earnings Yield 11.8%)
[Growth] Growth Spread = +5.1% (Analyst 2.1% - Implied -3.0%)
External Resources
Dataroma Stockcircle