NASDAQ: ORRF
Orrstown Financial Services Inc Stock

$41.21-0.13 (-0.31%)
Updated Jul 20, 2026
ORRF Price
$41.21
Fair Value Price
$116.43
Market Cap
$809.69M
52 Week Low
$31.51
52 Week High
$42.54
P/E
9.37x
P/B
1.34x
P/S
2.77x
PEG
N/A
Dividend Yield
2.77%
Revenue
$255.37M
Earnings
$84.61M
Gross Margin
100%
Operating Margin
42.05%
Profit Margin
33.1%
Debt to Equity
8.25
Operating Cash Flow
$89M
Beta
0.59
Next Earnings
Jul 21, 2026
Ex-Dividend
N/A
Next Dividend
N/A

ORRF Overview

Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles like trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor. It also facilitates retail brokerage services through a collaborative arrangement with an external broker/dealer, and provides direct investment advisory and insurance services. Established in 1919, Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania. Its operational footprint spans multiple counties in Pennsylvania (Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (Anne Arundel, Baltimore, Howard, and Washington, alongside Baltimore City).

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 +5.11% 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
D
ORRF
Ranked
#194 of 289

Top Ranked Stocks in Industry

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ORRF News

Overview

Due Diligence Score

Industry Average (37)
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 ($41.21) is undervalued by 64.6% relative to our estimate of its Fair Value price of $116.43 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
ORRF ($41.21) is significantly undervalued by 64.6% relative to our estimate of its Fair Value price of $116.43 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
ORRF is forecast by analysts... 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
$41.21
Fair Value
$116.43
Undervalued by
64.60%
ORRF ($41.21) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ORRF ($41.21) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ORRF is forecast by analysts... 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
9.37x
Industry
13.7x
Market
11.71x
ORRF is good 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
1.34x
Industry
1.33x
ORRF is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

ORRF's financial health

Profit margin

Revenue
$64.2M
Net Income
$21.8M
Profit Margin
34%
ORRF's Earnings (EBIT) of $107.38M... subscribe to Premium to read more.
Interest Coverage Financials
ORRF's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$5.6B
Liabilities
$5.0B
Debt to equity
8.25
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
$25.5M
Investing
-$32.4M
Financing
$18.2M
ORRF's operating cash flow ($89.32M)... subscribe to Premium to read more.
Debt Coverage Financials

ORRF vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
ORRFC$809.69M-0.31%9.37x1.34x
ALRSB$806.63M-0.16%30.00x1.40x
HTBC$815.06M-1.12%12.40x1.38x
SMBKC$815.08M-1.00%15.13x1.45x
PGCC$817.70M+0.11%18.53x1.17x

Orrstown Financial Services Stock FAQ

What is Orrstown Financial Services's quote symbol?

(NASDAQ: ORRF) Orrstown Financial Services trades on the NASDAQ under the ticker symbol ORRF. Orrstown Financial Services stock quotes can also be displayed as NASDAQ: ORRF.

If you're new to stock investing, here's how to buy Orrstown Financial Services stock.

What is the 52 week high and low for Orrstown Financial Services (NASDAQ: ORRF)?

(NASDAQ: ORRF) Orrstown Financial Services's 52-week high was $42.54, and its 52-week low was $31.51. It is currently -3.13% from its 52-week high and 30.78% from its 52-week low.

How much is Orrstown Financial Services stock worth today?

(NASDAQ: ORRF) Orrstown Financial Services currently has 19,647,812 outstanding shares. With Orrstown Financial Services stock trading at $41.21 per share, the total value of Orrstown Financial Services stock (market capitalization) is $809.69M.

Orrstown Financial Services stock was originally listed at a price of $17.50 in May 13, 1999. If you had invested in Orrstown Financial Services stock at $17.50, your return over the last 27 years would have been 135.49%, for an annualized return of 3.22% (not including any dividends or dividend reinvestments).

How much is Orrstown Financial Services's stock price per share?

(NASDAQ: ORRF) Orrstown Financial Services stock price per share is $41.21 today (as of Jul 20, 2026).

What is Orrstown Financial Services's Market Cap?

(NASDAQ: ORRF) Orrstown Financial Services's market cap is $809.69M, as of Jul 21, 2026.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Orrstown Financial Services's market cap is calculated by multiplying ORRF's current stock price of $41.21 by ORRF's total outstanding shares of 19,647,812.
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