ORRF Stock Analysis: Orrstown Financial | NASDAQ

Banks - Regional | NASDAQ, USA | Market Cap: 807m USD | 12M Return: 25.9% | US6873801053 | Charts, Fundamentals & Technical Analysis

Commercial Banking, Consumer Lending, Wealth Management, Investment Advisory
Total Rating 44
Safety 41
Buy Signal 0.05
Banks - Regional
Industry Rotation: +4.0
Market Cap: 807M
Avg Turnover: 3.91M
Risk 3d forecast
Volatility30.2%
VaR 5th Pctl4.13%
VaR vs Median-12.9%
Reward TTM
Sharpe Ratio0.89
Rel. Str. IBD69.4
Rel. Str. Peer Group62.3
Character TTM
Beta0.537
Beta Downside0.398
Hurst Exponent0.464
Drawdowns 3y
Max DD35.92%
CAGR/Max DD0.83
CAGR/Mean DD3.06
EPS (Earnings per Share) EPS (Earnings per Share) of ORRF over the last years for every Quarter: "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, "2026-03": 1.12, "2026-06": 1.09,
EPS CAGR: 10.18%
EPS Trend: 94.0%
Last SUE: 0.60
Qual. Beats: 0
Revenue Revenue of ORRF over the last years for every Quarter: 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, 2026-03: 89.941, 2026-06: 88.538,
Rev. CAGR: 39.87%
Rev. Trend: 94.2%
Last SUE: 0.78
Qual. Beats: 0

Warnings

Below Avwap Earnings

Tailwinds

Shakeout
Confidence

Seasonality 11.7 years of data

Jan -1.1% 18
Feb -1.1% 21
Mar -1.9% 39
Apr +0.7% 15
May +0.1% 10
Jun +5.0% 37
Jul +2.8% 43
Aug -0.7% 5
Sep -3.2% 31
Oct +1.9% 15
Nov +3.5% 30
Dec -0.3% 13

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: ORRF Orrstown Financial

Orrstown Financial Services, Inc. (ORRF) is the bank holding company for Orrstown Bank, a community-oriented commercial bank founded in 1919 and headquartered in Harrisburg, Pennsylvania. The company provides traditional deposit and lending products to retail, commercial, non-profit, and government clients across its market footprint.

Its deposit base consists of checking, savings, time, demand, money market, and certificates of deposit accounts. On the lending side, Orrstown originates a diversified mix of commercial loans (including commercial real estate, equipment, construction, working capital, and industrial loans), consumer loans such as home equity loans and lines of credit, residential mortgages, agricultural loans, acquisition and development loans, municipal loans, and installment loans.

Beyond core banking, the company operates a wealth management segment under the Orrstown Financial Advisors name, offering fiduciary, investment advisory, and trust services, and also provides retail brokerage through a third-party broker/dealer arrangement along with insurance products. As a regional bank under the bank holding company structure, ORRF combines traditional spread-based community banking with fee-generating advisory services to diversify its revenue mix.

Headlines to Watch Out For
  • Net interest margin expansion drives earnings growth
  • Commercial real estate loan losses threaten credit quality
  • Deposit costs rise faster than loan yields compress margins
Piotroski VR-10 (Strict) 4.0
Net Income: 86.3m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.66 > 1.0
NWC/Revenue: -1.08k% < 20% (prev -1.03k%; Δ -45.38% < -1%)
CFO/TA 0.02 > 3% & CFO 87.8m > Net Income 86.3m
Net Debt (-442.4m) to EBITDA (121.8m): -3.63 < 3
Current Ratio: 0.21 > 1.5 & < 3
Outstanding Shares: last quarter (19.4m) vs 12m ago 0.47% < -2%
Gross Margin: 70.96% > 18% (prev 64.37%; Δ 6.59% > 0.5%)
Asset Turnover: 6.52% > 50% (prev 6.66%; Δ -0.13% > 0%)
Interest Coverage Ratio: 1.04 > 6 (EBIT TTM 107.4m / Interest Expense TTM 103.1m)
Altman Z'' -4.14
A: -0.69 (Total Current Assets 1.03b - Total Current Liabilities 4.90b) / Total Assets 5.61b
B: 0.04 (Retained Earnings 218.0m / Total Assets 5.61b)
C: 0.02 (EBIT TTM 107.4m / Avg Total Assets 5.50b)
D: 0.12 (Book Value of Equity 621.6m / Total Liabilities 4.99b)
Altman-Z'' = -4.14 = D
Beneish M -3.14
DSRI: 0.99 (Receivables 19.8m/20.0m, Revenue 358.7m/358.6m)
GMI: 0.91 (GM 64.37% / 70.96%)
AQI: 0.97 (AQ_t 0.81 / AQ_t-1 0.84)
SGI: 1.00 (Revenue 358.7m / 358.6m)
TATA: -0.00 (NI 86.3m - CFO 87.8m) / TA 5.61b)
Beneish M = -3.14 (Cap -4..+1) = AA
What is the price of ORRF shares?

As of October 06, 2026, the stock is trading at USD 41.40 with a total of 85,345 shares traded. Over the past week, the price has changed by -0.19%, over one month by -1.97%, over three months by +2.10% and over the past year by +25.85%.

Current recommended Stop Loss: 40.30 (which is 2.7% or 1.2 ATR below the current price).

Is ORRF a buy, sell or hold?

Orrstown Financial has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy ORRF.

  • StrongBuy: 2
  • Buy: 1
  • Hold: 2
  • Sell: 0
  • StrongSell: 0

What are the forecasts/targets for the ORRF price?
Analysts Target Price 45.8 10.5%
Orrstown Financial (ORRF) - Fundamental Data Overview as of 03 October 2026
Market Cap USD = 807.0m (807.0m USD * 1.0 USD.USD)
P/E Trailing = 9.1178
P/E Forward = 8.8889
P/S = 3.1602
P/B = 1.2992
Revenue TTM = 358.7m USD
EBIT TTM = 107.4m USD
EBITDA TTM = 121.8m USD
Long Term Debt = 282.8m USD (from longTermDebt, last quarter)
Short Term Debt = 282.4m USD (from shortTermDebt, last quarter)
Debt = 565.2m USD (corrected: LT Debt 282.8m + ST Debt 282.4m)
Net Debt = -442.4m USD (calculated: Debt 565.2m - CCE 1.01b)
Enterprise Value = 364.6m USD (807.0m + Debt 565.2m - CCE 1.01b)
Interest Coverage Ratio = 1.04 (Ebit TTM 107.4m / Interest Expense TTM 103.1m)
EV/FCF = 4.26x (Enterprise Value 364.6m / FCF TTM 85.7m)
FCF Yield = 23.50% (FCF TTM 85.7m / Enterprise Value 364.6m)
FCF Margin = 23.89% (FCF TTM 85.7m / Revenue TTM 358.7m)
Net Margin = 24.06% (Net Income TTM 86.3m / Revenue TTM 358.7m)
Gross Margin = 70.96% ((Revenue TTM 358.7m - Cost of Revenue TTM 104.2m) / Revenue TTM)
Gross Margin QoQ = 70.40% (prev 71.41%)
Tobins Q-Ratio = 0.06 (Enterprise Value 364.6m / Total Assets 5.61b)
Interest Expense / Debt = 18.24% (Interest Expense 103.1m / Debt 565.2m)
Taxrate = 19.58% (21.0m / 107.3m)
NOPAT = 86.4m (EBIT 107.4m * (1 - 19.58%))
Current Ratio = 0.21 (Total Current Assets 1.03b / Total Current Liabilities 4.90b)
Debt / Equity = 0.91 (Debt 565.2m / totalStockholderEquity, last quarter 621.6m)
Debt / EBITDA = -3.63 (Net Debt -442.4m / EBITDA 121.8m)
Debt / FCF = -5.16 (Net Debt -442.4m / FCF TTM 85.7m)
Total Stockholder Equity = 597.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.57% (Net Income 86.3m / Total Assets 5.61b)
RoE = 14.46% (Net Income TTM 86.3m / Total Stockholder Equity 597.1m)
RoCE = 12.21% (EBIT 107.4m / Capital Employed (Equity 597.1m + L.T.Debt 282.8m))
RoIC = 8.87% (NOPAT 86.4m / Invested Capital 974.2m)
WACC = 10.67% (E(807.0m)/V(1.37b) * Re(7.87%) + D(565.2m)/V(1.37b) * Rd(18.24%) * (1-Tc(0.20)))
Discount Rate = 7.87% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 65.11 | Cagr: 31.57%
[DCF] Terminal Value 70.84% ; FCFF base≈70.1m ; Y1≈80.4m ; Y5≈118.3m
[DCF] Fair Price = 86.62 (EV 1.26b - Net Debt -442.4m = Equity 1.70b / Shares 19.7m; r=10.67% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 93.99 | EPS CAGR: 10.18% | SUE: 0.60 | # QB: 0
Revenue Correlation: 94.19 | Revenue CAGR: 39.87% | SUE: 0.78 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.10 | Chg30d=+0.27% | Revisions=+57% | Analysts=5
EPS current Year (2026-12-31): EPS=4.32 | Chg30d=+0.12% | Revisions=+25% | GrowthEPS=+0.9% | GrowthRev=+1.2%
EPS next Year (2027-12-31): EPS=4.40 | Chg30d=+0.40% | Revisions=+29% | GrowthEPS=+1.9% | GrowthRev=+4.9%
[Analyst] Revisions Ratio: +58% (up=8, down=1)