NASDAQ: ORRF
Orrstown Financial Services Inc Stock

$34.30-0.03 (-0.09%)
Updated Feb 5, 2025
ORRF Price
$34.30
Fair Value Price
$27.87
Market Cap
$664.94M
52 Week Low
$24.70
52 Week High
$41.99
P/E
18.15x
P/B
1.29x
P/S
4.7x
PEG
0.17x
Dividend Yield
1.92%
Revenue
$148.17M
Earnings
$16.01M
Gross Margin
100%
Operating Margin
13.75%
Profit Margin
10.8%
Debt to Equity
9.6
Operating Cash Flow
$40M
Beta
0.95
Next Earnings
N/A
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

B
Value
C
Growth
B
Momentum
D
Sentiment
C
Safety
C
Financials
C
Artificial Intelligence
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
#42 of 337

Top Ranked Stocks in Industry

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ORRF News

Overview

Due Diligence Score

Industry Average (32)
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 ($34.30) is overvalued by 23.07% relative to our estimate of its Fair Value price of $27.87 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
ORRF ($34.30) is not significantly undervalued (23.07%) relative to our estimate of its Fair Value price of $27.87 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
ORRF ($34.30) 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
$34.30
Fair Value
$27.87
Overvalued by
23.07%
ORRF ($34.30) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ORRF ($34.30) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ORRF ($34.30) 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
18.15x
Industry
34.27x
Market
31.5x
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
1.29x
Industry
1.17x
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
$50.4M
Net Income
-$7.9M
Profit Margin
-15.7%
ORRF's Earnings (EBIT) of $20.37M... 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
$5.5B
Liabilities
$5.0B
Debt to equity
9.6
ORRF's debt has increased relative... 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
$7.5M
Investing
$102.0M
Financing
-$5.2M
ORRF's operating cash flow ($40.30M)... subscribe to Premium to read more.
Debt Coverage Financials

ORRF vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
ORRFC$664.94M-0.09%18.15x1.29x
CAC$667.64M+0.53%14.22x1.26x
SMBCC$670.09M+0.58%13.60x1.33x
EQBKC$672.74M-0.50%37.93x1.33x
HTBIC$655.27M+0.35%11.79x1.21x

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 $41.99, and its 52-week low was $24.70. It is currently -18.31% from its 52-week high and 38.87% from its 52-week low.

How much is Orrstown Financial Services stock worth today?

(NASDAQ: ORRF) Orrstown Financial Services currently has 19,386,041 outstanding shares. With Orrstown Financial Services stock trading at $34.30 per share, the total value of Orrstown Financial Services stock (market capitalization) is $664.94M.

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 25 years would have been 96%, for an annualized return of 2.73% (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 $34.30 today (as of Feb 5, 2025).

What is Orrstown Financial Services's Market Cap?

(NASDAQ: ORRF) Orrstown Financial Services's market cap is $664.94M, as of Feb 7, 2025.

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 $34.30 by ORRF's total outstanding shares of 19,386,041.
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