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Orrstown Financial Services, Inc. ORRF R2K

Financial Services · Banks - Regional · United States
https://www.orrstown.com
Company Profile ↓
$40.42
+24.36% 1Y
Mkt Cap$794.16M
P/E9.25
P/B1.30
Div. Yield2.85%
52W High$41.72
52W Low$30.86
Book Value$30.76
EPS (TTM)$4.37

Company Overview

Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; agricultural loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. The company was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 11.9% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 13.8% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 9.2, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 33.1%.

Dividend Income

Offers a dividend yield of 2.85%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $37.14M (+36.0% YoY); net profit $80.86M.
  • Trailing 12 Months Year-on-year growth — revenue +5.4%, earnings +20.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR 13.8%, profit CAGR 11.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:13.82%
1 Year:5.40%

Compounded Profit Growth

5 Years:11.90%
1 Year:20.40%

Stock Price Performance

1 Year:+24.36%
6 Months:+14.75%
3 Months:+6.08%
1 Month:+3.27%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 88% of range
$30.86 $41.72
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)56.26 · Neutral
Price Performance
1M+3.27%
3M+6.08%
6M+14.75%
1Y+24.36%
Valuation vs Sector

P/E of 9.25 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 33.1%.
  • Compounding revenue at 13.8% over 5 years.
  • Profit CAGR of 11.9% over 5 years.
  • Attractive dividend yield of 2.85%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
9.25
Industry PE
13.30
Forward P/E
9.42
PEG Ratio
-
Book Value
$30.76
Price to Book
1.30
P/S
3.07
EV/EBITDA
-
Dividend Yield
2.85%

Growth (CAGR)

Revenue 5Y
13.82%
Profit 5Y
11.90%
Revenue (YoY)
5.40%
Earnings (YoY)
20.40%

Profitability & Returns

ROCE
-
ROE
14.90%
ROA
1.54%
Profit Margin
33.13%
Op Margin
47.16%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.12
EPS (TTM)
$4.37

Balance Sheet & Liquidity

Debt/Equity
0.53
Quick Ratio
-
Current Ratio
-
Debt
$289.80M
Total Assets
$5.58B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.73%
Chg in Prom Hold
-0.29%
FII / Inst Holding
62.45%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$794.16M
Total Revenue (TTM)
$255.37M
EBITDA
-
Free Cash Flow
$70.50M
Operating Cash Flow
$89.32M
Shares Outstanding
19.65M
Gross Margin
0.00%
Payout Ratio
25.17%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ORRF Orrstown Financial Services, Inc. R2K 40.42 9.25 $794.16M 2.85% - 14.90% 13.82% 11.90%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 1.56M3.41M2.11M1.98M2.87M5.18M2.46M1.50M2.46M2.58M678.00K1.44M2.00M3.31M2.77M3.62M4.01M4.02M3.10M2.69M6.90M5.07M6.36M4.98M10.21M8.78M7.19M8.37M8.87M-4.83M9.16M9.84M9.03M8.53M7.74M-7.90M18.05M19.45M21.86M21.81M
Diluted EPS 0.190.420.260.240.350.640.300.180.300.320.080.180.240.400.340.440.480.490.330.260.620.460.580.450.920.790.650.760.83-0.470.870.940.870.810.73-0.410.931.011.131.12

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------15.01M17.95M16.48M18.93M19.46M19.48M27.31M37.14M
Net Income 13.37M16.58M-31.96M-38.45M10.00M29.14M7.87M6.63M8.09M12.80M16.92M26.46M32.88M22.04M35.66M22.05M80.86M
Diluted EPS 2.072.17-3.98-4.771.243.590.970.810.981.501.612.402.962.063.421.484.18

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Jan 2011Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.51B-1.44B1.23B1.18B1.19B1.29B1.41B1.56B1.93B2.38B2.75B2.83B2.92B3.06B5.44B5.54B
Current Assets -------------------
Cash & Equivalents ---------------60.82M65.16M248.87M149.77M
Inventory -------------------
Receivables ---------------11.03M13.63M21.06M21.47M
Total Liabilities --1.35B-1.32B1.14B1.09B1.06B1.16B1.28B1.41B1.76B2.16B2.50B2.56B2.69B2.80B4.92B4.95B
Current Liabilities -------------------
Long Term Debt --65.18M-53.80M37.47M16.08M14.81M24.50M24.16M83.81M83.45M63.07M2.32M1.90M138.16M169.59M184.04M311.82M
Total Debt ---------------138.16M169.59M184.04M311.82M
Total Equity 103.35M110.89M160.48M160.48M128.20M87.69M91.44M127.27M133.06M134.86M144.76M173.43M223.25M246.25M271.66M228.90M265.06M516.68M591.53M
Shares Outstanding ---------------11.23M11.20M19.72M19.71M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 12.51M24.81M34.85M18.66M32.96M17.26M12.16M15.59M16.35M22.49M9.09M30.17M40.81M36.19M43.70M34.96M74.73M
Investing Cash Flow -151.54M-322.87M94.96M195.73M-89.68M727.00K-107.35M-128.89M-145.89M-139.40M18.46M-292.56M-2.01M-270.99M-153.25M60.99M-181.96M
Financing Cash Flow 134.16M295.65M-40.27M-173.37M-56.41M-24.14M92.12M115.24M129.08M175.92M-60.41M331.69M44.65M86.91M113.89M87.76M8.13M
Capital Expenditure -787.00K-610.00K-1.45M-1.60M-1.87M-859.00K-1.47M-13.37M-2.65M-4.79M-2.91M-1.30M-1.25M-895.00K-2.29M-1.58M-4.24M
Free Cash Flow 11.72M24.20M33.41M17.05M31.09M16.40M10.69M2.22M13.70M17.70M6.18M28.87M39.56M35.30M41.41M33.38M70.50M
Share Buybacks 71.00K221.00K54.00K000809.00K631.00K0001.17M1.87M14.17M2.58M0263.00K
Dividends Paid --5.52M0001.82M2.90M3.49M4.38M6.15M7.61M8.28M8.26M8.48M13.18M20.64M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % ---------85.3%94.3%160.6%173.7%113.2%183.1%80.7%217.7%
ROE % 12.1%10.3%-24.9%-43.9%10.9%22.9%5.9%4.9%5.6%7.4%7.6%10.7%12.1%9.6%13.5%4.3%13.7%
ROCE % -----------------

Shareholding Pattern

Insiders
3.73%
Institutions
62.45%
Public Float
64.87%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.54% 1.48M $60.27M
2 Dimensional Fund Advisors LP 4.58% 900.67K $36.66M
3 Vanguard Capital Management LLC 4.16% 817.62K $33.28M
4 State Street Corporation 4.08% 800.72K $32.59M
5 Charles Schwab Investment Management, Inc. 3.02% 592.69K $24.13M
6 Geode Capital Management, LLC 2.70% 531.43K $21.63M
7 American Century Companies Inc 2.53% 497.08K $20.23M
8 Nuveen, LLC 1.72% 337.97K $13.76M
9 Algert Global, LLC 1.63% 320.56K $13.05M
10 Two Sigma Investments, LP 1.53% 300.97K $12.25M

Analyst View

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Latest News

Recent headlines for ORRF

Google News ue, 14 Jul 2026

Earnings Preview: Orrstown Financial Services (ORRF) Q2 Earnings Expected to Decline - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMirgFBVV95cUxPd1NDSlJ6TlVnTnJpWXh5em1ON2E0MHBwaDJoV0xuUGNGRS1oZFF0WHFmOE0yNGd6NHVjWUM1RDhub1BpR3YxaUZFSHg4bWlOeVFBQlA4NHRaS05IMy0xdXVMVjgtMEZ5VGlCXzRvb2J1UEdUaTVJQTY4Qm4wLWZjQmhqdXJ2aUI3amp5RW…

Google News hu, 09 Jul 2026

Orrstown Financial sets July 22 call after Q2 earnings on July 21 - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiuwFBVV95cUxQZkl4c0VlV2o4V1dqamNJRmJlRmVGTWZIVnQ3ZVBXbTN3TVdOaHJKVEYyNEVjdUdpNERpSTluOFAyaUhLSFlXMm9rZ2YtNklJMmFnb3MzcXdmcXB3Y3c5RC1DU2pCQVJweFZsWU9hOVJyaDJQOVA4NDNCZWt4REFTR2E0UE52REdSQmN1WH…

Google News hu, 09 Jul 2026

(ORRF) and the Role of Price-Sensitive Allocations - Stock Traders Daily

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Google News hu, 09 Jul 2026

Orrstown Financial (ORRF) Under Coverage by Raymond James with M - GuruFocus

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Google News Wed, 08 Jul 2026

Price to earnings forward of Orrstown Financial Services, Inc. – NASDAQ:ORRF - TradingView

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Google News Fri, 10 Jul 2026

Orrstown Financial Services Inc (ORRF) files 13F: 124 holdings, $673.7M - Stock Titan

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ORRF — Frequently Asked Questions

What is the current share price of Orrstown Financial Services, Inc. (ORRF)?

As of 2026-07-14 21:23 PDT, Orrstown Financial Services, Inc. (ORRF) trades at $40.42 on NasdaqCM. Its 52-week range is $30.86 to $41.72.

What is the market capitalisation of ORRF?

Orrstown Financial Services, Inc. (ORRF) has a market capitalisation of $794.16M on NasdaqCM.

What is the P/E ratio of ORRF?

ORRF trades at a trailing price-to-earnings (P/E) ratio of 9.25. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.30.

Does ORRF pay a dividend?

Orrstown Financial Services, Inc. (ORRF) currently offers a dividend yield of 2.85%.

What is the return on equity (ROE) of ORRF?

ORRF has a return on equity (ROE) of 14.90%.

Is ORRF a good stock to buy?

This page provides a data-driven analysis of Orrstown Financial Services, Inc. (ORRF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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