NASDAQ: ORRFOrrstown Financial Services Inc Stock
$33.37-0.42 (-1.24%)
Updated Jul 11, 2025
ORRF Price
$33.37
Fair Value Price
$77.39
Market Cap
$651.00M
52 Week Low
$25.57
52 Week High
$41.99
P/E
15.67x
P/B
1.22x
P/S
2.87x
PEG
0.21x
Dividend Yield
2.94%
Revenue
$203.87M
Earnings
$31.57M
Gross Margin
100%
Operating Margin
19.53%
Profit Margin
15.5%
Debt to Equity
9.21
Operating Cash Flow
$33M
Beta
0.66
Next Earnings
Jul 22, 2025
Ex-Dividend
N/A
Next Dividend
N/A
ORRF Overview
Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits. It 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 comprising home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, the company provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as provides other fiduciary services under the Orrstown Financial Advisors name; and offers retail brokerage services through a third-party broker/dealer arrangement. Further, it offers investment advisory, insurance, and brokerage services. The company operates through offices in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York counties, Pennsylvania; and Anne Arundel, Baltimore, Howard, and Washington counties, Maryland, as well as Baltimore City, Maryland. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine ORRF's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
ORRF
Ranked#27 of 297
Ranked#27 of 297
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $36.68 | B | |
| $37.83 | B | |
| $16.20 | B |
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ORRF News
Overview
Due Diligence Score
–
Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how ORRF scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
ORRF ($33.37) is undervalued by 56.88% relative to our estimate of its Fair Value price of $77.39 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
ORRF ($33.37) is significantly undervalued by 56.88% relative to our estimate of its Fair Value price of $77.39 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
ORRF ($33.37) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more ORRF due diligence checks available for Premium users.
Valuation
ORRF fair value
Fair Value of ORRF stock based on Discounted Cash Flow (DCF)
Price
$33.37
Fair Value
$77.39
Undervalued by
56.88%
ORRF ($33.37) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ORRF ($33.37) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ORRF ($33.37) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
ORRF price to earnings (PE)
For valuing profitable companies with steady earnings
Company
15.67x
Industry
12.62x
Market
30.99x
ORRF is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ORRF is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
ORRF price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.22x
Industry
1.22x
ORRF is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
ORRF price to earnings growth (PEG)
For valuing profitable companies with growth potential
ORRF is good value based... subscribe to Premium to read more.
PEG Value Valuation
ORRF's financial health
Profit margin
Revenue
$60.9M
Net Income
$18.1M
Profit Margin
29.6%
ORRF's Earnings (EBIT) of $39.83M... subscribe to Premium to read more.
Interest Coverage Financials
ORRF's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$5.4B
Liabilities
$4.9B
Debt to equity
9.21
ORRF's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
ORRF's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$11.0M
Investing
$39.9M
Financing
-$12.6M
ORRF's operating cash flow ($33.24M)... subscribe to Premium to read more.
Debt Coverage Financials
ORRF vs Bank Stocks
Orrstown Financial Services Stock FAQ
Company
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