(ORRF) Orrstown Financial - Overview
Stock: Deposits, Loans, Mortgages, Advisory, Fiduciary
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.27% |
| Yield on Cost 5y | 8.13% |
| Yield CAGR 5y | 9.40% |
| Payout Consistency | 82.8% |
| Payout Ratio | 25.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 36.6% |
| Relative Tail Risk | -31.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.58 |
| Alpha | 4.87 |
| Character TTM | |
|---|---|
| Beta | 0.696 |
| Beta Downside | 0.878 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.92% |
| CAGR/Max DD | 0.66 |
Description: ORRF Orrstown Financial December 26, 2025
Orrstown Financial Services, Inc. (NASDAQ: ORRF) is the holding company for Orrstown Bank, a community-focused lender headquartered in Harrisburg, Pennsylvania. The bank offers a full suite of deposit products (checking, savings, money-market, CDs) and a diversified loan portfolio that includes commercial real-estate, equipment, construction, working-capital, industrial, consumer, home-equity, residential mortgage, municipal and acquisition-development loans. In addition, Orrstown provides fiduciary and advisory services-trustee, executor, custodian, investment advisory-and retail brokerage through a third-party dealer.
According to the most recent 10-Q (Q2 2024), Orrstown reported a net interest margin of roughly 3.2% and a loan-to-deposit ratio near 71%, indicating moderate balance-sheet leverage for a regional bank. Its return on equity hovered around 10%, consistent with peers in the GICS Sub-Industry “Regional Banks.” The bank’s earnings are materially driven by the Federal Reserve’s interest-rate policy (which affects net interest income) and the health of the Pennsylvania-Mid-Atlantic economy, where commercial-real-estate activity and small-business loan demand have been the primary growth levers.
For a deeper, data-driven assessment of ORRF’s valuation dynamics, you may find ValueRay’s analytical tools useful.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 80.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.39 > 1.0 |
| NWC/Revenue: 34.15% < 20% (prev -1249 %; Δ 1284 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 66.6m > 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 7003 % > 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 -3.10
| 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 66.6m) / TA 5.54b) |
| Beneish M-Score: -3.10 (Cap -4..+1) = AA |
What is the price of ORRF shares?
Over the past week, the price has changed by +4.89%, over one month by +9.78%, over three months by +14.85% and over the past year by +19.06%.
Is ORRF a buy, sell or hold?
- StrongBuy: 2
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ORRF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 41.5 | 5.6% |
| Analysts Target Price | 41.5 | 5.6% |
| ValueRay Target Price | 47.9 | 21.8% |
ORRF Fundamental Data Overview February 09, 2026
P/E Forward = 8.8889
P/S = 3.0552
P/B = 1.3023
Revenue TTM = 353.9m USD
EBIT TTM = 102.7m USD
EBITDA TTM = 116.7m USD
Long Term Debt = 246.2m USD (from longTermDebt, two quarters ago)
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 = 111.7m USD (770.1m + Debt 336.4m - CCE 994.8m)
Interest Coverage Ratio = 0.99 (Ebit TTM 102.7m / Interest Expense TTM 103.9m)
EV/FCF = 1.81x (Enterprise Value 111.7m / FCF TTM 61.9m)
FCF Yield = 55.40% (FCF TTM 61.9m / Enterprise Value 111.7m)
FCF Margin = 17.49% (FCF TTM 61.9m / 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 = 0.02 (Enterprise Value 111.7m / 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 = 4.76 (Net Debt 294.3m / FCF TTM 61.9m)
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 = 12.72% (EBIT 102.7m / Capital Employed (Equity 561.2m + L.T.Debt 246.2m))
RoIC = 10.59% (NOPAT 80.3m / Invested Capital 758.0m)
WACC = 7.72% (E(770.1m)/V(1.11b) * Re(8.48%) + D(336.4m)/V(1.11b) * Rd(7.65%) * (1-Tc(0.22)))
Discount Rate = 8.48% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 26.82%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈52.8m ; Y1≈60.0m ; Y5≈81.8m
Fair Price DCF = 61.30 (EV 1.49b - Net Debt 294.3m = Equity 1.20b / Shares 19.5m; r=7.72% [WACC]; 5y FCF grow 15.74% → 2.90% )
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: 13
EPS next Quarter (2026-03-31): EPS=1.00 | Chg30d=-0.028 | Revisions Net=-1 | Analysts=4
EPS current Year (2026-12-31): EPS=4.22 | Chg30d=-0.096 | Revisions Net=-1 | Growth EPS=-1.5% | Growth Revenue=+1.7%
EPS next Year (2027-12-31): EPS=4.35 | Chg30d=-0.115 | Revisions Net=-1 | Growth EPS=+3.2% | Growth Revenue=+3.5%