Symbols / ORRF Stock $35.19 -2.33% Orrstown Financial Services, Inc.

Financial Services • Banks - Regional • United States • NCM
ORRF (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Thomas Rodney Quinn Jr.
Exch · Country NCM · United States
Market Cap 691.41M
Enterprise Value 806.95M
Income 84.61M
Sales 255.37M
FCF (ttm) —
Book/sh 30.76
Cash/sh 8.87
Employees 627
Insider 10d —
IPO May 13, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 25.17%
P/E 8.05
Forward P/E 8.22
PEG —
P/S 2.71
P/B 1.14
P/C —
EV/EBITDA —
EV/Sales 3.16
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 4.37
EPS next Y 4.28
EPS Growth 20.40%
Revenue Growth 5.40%
EPS Gr Q/Q 20.80%
Rev Gr Q/Q —
Earnings (next) 2026-07-21
Earnings (prior) 2026-04-21
ROA 1.54%
ROE 14.90%
ROIC —
Gross Margin 0.00%
Oper. Margin 47.16%
Profit Margin 33.13%
Shs Outstand 19.65M
Shs Float 18.70M
Insider Own 4.09%
Instit Own 62.24%
Short Float 4.26%
Short Ratio 5.58
Short Interest 799.01K
52W High 40.72
vs 52W High -13.58%
52W Low 29.31
vs 52W Low 20.06%
Beta 0.70
Impl. Vol. 1.42%
Rel Volume 0.75
Avg Volume 165.55K
Volume 123.76K
Target (mean) $41.75
Tgt Median $42.00
Tgt Low $41.00
Tgt High $42.00
# Analysts 4
Recom Buy
Prev Close $36.03
Price $35.19
Change -2.33%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$41.75
Mean price target
2. Current target
$35.19
Latest analyst target
3. DCF / Fair value
$65.55
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$35.19
Low
$41.00
High
$42.00
Mean
$41.75

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-15 init DA Davidson — → Neutral $41
2025-07-24 reit Keefe, Bruyette & Woods Outperform → Outperform $42
2025-07-11 main Keefe, Bruyette & Woods Outperform → Outperform $39
2025-04-24 main Keefe, Bruyette & Woods Outperform → Outperform $37
2025-02-03 reit Keefe, Bruyette & Woods Outperform → Outperform $42
2024-11-13 down Hovde Group Outperform → Market Perform —
2024-06-28 init Janney Montgomery Scott — → Buy $32
2024-06-18 main Keefe, Bruyette & Woods Outperform → Outperform $32
2024-01-25 main Keefe, Bruyette & Woods Outperform → Outperform $32
2023-12-13 main Keefe, Bruyette & Woods Outperform → Outperform $28
2023-07-31 main Piper Sandler Neutral → Neutral $25
2023-07-26 main Keefe, Bruyette & Woods Outperform → Outperform $25
2023-04-06 main Keefe, Bruyette & Woods — → Outperform $27
2020-09-28 main Piper Sandler — → Neutral $14
2019-03-29 down Piper Sandler Buy → Hold —
2017-07-27 up Keefe, Bruyette & Woods Market Perform → Outperform —
2016-09-30 down Boenning & Scattergood Outperform → Neutral —
2016-09-12 down Keefe, Bruyette & Woods Outperform → Market Perform $23
2016-07-29 main Keefe, Bruyette & Woods — → Outperform $22
2015-10-22 main Keefe, Bruyette & Woods — → Outperform $20
News
RSS: Latest ORRF news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-05 JOINER CINDY JEANNETTE Director — 1,500 $0.00 $0
2026-05-05 GIAMBALVO JOHN W Director — 1,500 $0.00 $0
2026-05-05 RICE MICHAEL JOHN Director — 1,500 $0.00 $0
2026-05-05 BROWN SARAH M. Director — 1,500 $0.00 $0
2026-05-05 SNOKE GLENN W Director — 1,500 $0.00 $0
2026-05-05 BRUNNER BRIAN D Director — 1,500 $0.00 $0
2026-05-05 FAINOR SCOTT V Director — 1,500 $0.00 $0
2026-05-05 KELLER MARK K Director — 1,500 $0.00 $0
2026-05-05 MESSICK JOHN RODNEY Director — 1,500 $0.00 $0
2026-05-05 SEGAL ERIC ANDREW Director — 1,500 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
248.91
+30.73%
190.41
+47.25%
129.31
+3.20%
125.30
Operating Revenue
248.91
+30.73%
190.41
+47.25%
129.31
+3.20%
125.30
Selling General And Administration
91.52
+10.76%
82.63
+47.51%
56.02
+7.13%
52.29
Selling And Marketing Expense
2.29
-11.44%
2.59
+19.94%
2.16
-4.73%
2.26
General And Administrative Expense
89.23
+11.48%
80.04
+48.61%
53.86
+7.66%
50.02
Salaries And Wages
86.39
+11.67%
77.36
+49.07%
51.90
+6.04%
48.94
Other Gand A
—
—
—
—
Reconciled Depreciation
15.27
+57.60%
9.69
+123.27%
4.34
-6.06%
4.62
Total Unusual Items
-2.71
+88.45%
-23.45
-2113.88%
-1.06
+93.44%
-16.16
Total Unusual Items Excluding Goodwill
-2.71
+88.45%
-23.45
-2113.88%
-1.06
+93.44%
-16.16
Special Income Charges
-2.71
+88.45%
-23.45
-2113.88%
-1.06
+93.44%
-16.16
Other Special Charges
—
0.48
—
13.00
Restructuring And Mergern Acquisition
2.71
-88.21%
22.97
+2068.74%
1.06
-66.43%
3.15
Write Off
—
—
—
—
Net Income
80.86
+266.69%
22.05
-38.17%
35.66
+61.83%
22.04
Pretax Income
102.64
+269.12%
27.81
-38.25%
45.03
+69.20%
26.62
Net Interest Income
199.79
+28.69%
155.25
+47.99%
104.91
+5.30%
99.63
Interest Expense
103.94
+10.96%
93.68
+108.22%
44.99
+398.57%
9.02
Interest Income
303.73
+22.01%
248.93
+66.07%
149.90
+37.96%
108.65
Gain On Sale Of Security
0.17
-33.33%
0.25
+629.79%
-0.05
+70.63%
-0.16
Tax Provision
21.78
+278.42%
5.76
-38.57%
9.37
+104.63%
4.58
Tax Rate For Calcs
0.00
+2.42%
0.00
-0.48%
0.00
+20.93%
0.00
Tax Effect Of Unusual Items
-0.57
+88.17%
-4.85
-2103.24%
-0.22
+92.07%
-2.78
Net Income Including Noncontrolling Interests
80.86
+266.69%
22.05
-38.17%
35.66
+61.83%
22.04
Net Income From Continuing Operation Net Minority Interest
80.86
+266.69%
22.05
-38.17%
35.66
+61.83%
22.04
Net Income From Continuing And Discontinued Operation
80.86
+266.69%
22.05
-38.17%
35.66
+61.83%
22.04
Net Income Continuous Operations
80.86
+266.69%
22.05
-38.17%
35.66
+61.83%
22.04
Normalized Income
82.99
+104.20%
40.64
+11.34%
36.50
+3.07%
35.41
Net Income Common Stockholders
80.86
+266.69%
22.05
-38.17%
35.66
+61.83%
22.04
Diluted EPS
4.18
+182.43%
1.48
-56.73%
3.42
+66.02%
2.06
Basic EPS
4.21
+182.55%
1.49
-56.81%
3.45
+65.07%
2.09
Basic Average Shares
19.20
+30.08%
14.76
+42.76%
10.34
-2.02%
10.55
Diluted Average Shares
19.36
+29.78%
14.91
+42.92%
10.44
-2.53%
10.71
Diluted NI Availto Com Stockholders
80.86
+266.69%
22.05
-38.17%
35.66
+61.83%
22.04
Amortization
9.77
+70.06%
5.74
+502.52%
0.95
-13.76%
1.10
Amortization Of Intangibles Income Statement
9.77
+70.06%
5.74
+502.52%
0.95
-13.76%
1.10
Depreciation Amortization Depletion Income Statement
9.77
+70.06%
5.74
+502.52%
0.95
-13.76%
1.10
Depreciation And Amortization In Income Statement
9.77
+70.06%
5.74
+502.52%
0.95
-13.76%
1.10
Insurance And Claims
2.83
+5.83%
2.68
+36.58%
1.96
+80.98%
1.08
Occupancy And Equipment
16.98
+16.53%
14.57
+51.88%
9.59
-2.23%
9.81
Other Non Interest Expense
17.79
+14.55%
15.53
+28.70%
12.07
+1.60%
11.88
Professional Expense And Contract Services Expense
7.49
+80.88%
4.14
+42.58%
2.90
-10.73%
3.25
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
5,542.26
+1.85%
5,441.59
+77.58%
3,064.24
+4.85%
2,922.41
Cash And Cash Equivalents
149.77
-39.82%
248.87
+281.94%
65.16
+7.13%
60.82
Cash Financial
42.08
-17.53%
51.03
+56.59%
32.59
+14.43%
28.48
Other Short Term Investments
1.11
-99.87%
829.71
+61.57%
513.52
-0.04%
513.73
Receivables
21.47
+1.97%
21.06
+54.50%
13.63
+23.61%
11.03
Accounts Receivable
21.47
+1.97%
21.06
+54.50%
13.63
+23.61%
11.03
Net PPE
51.03
+1.62%
50.22
+70.85%
29.39
+0.22%
29.33
Gross PPE
86.09
+3.55%
83.14
+37.49%
60.47
+1.35%
59.66
Accumulated Depreciation
-35.06
-6.50%
-32.92
-5.94%
-31.08
-2.45%
-30.34
Land And Improvements
12.43
+0.04%
12.42
+64.39%
7.56
-0.36%
7.58
Buildings And Improvements
40.42
+6.57%
37.93
+54.38%
24.57
-0.98%
24.81
Machinery Furniture Equipment
26.04
+2.73%
25.34
+14.19%
22.20
+1.58%
21.85
Construction In Progress
0.40
-47.03%
0.76
+27.66%
0.59
+905.08%
0.06
Leases
6.81
+1.81%
6.68
+20.30%
5.56
+3.69%
5.36
Goodwill And Other Intangible Assets
107.74
-7.02%
115.87
+448.16%
21.14
-3.05%
21.80
Goodwill
69.75
+2.42%
68.11
+263.74%
18.72
+0.00%
18.72
Other Intangible Assets
37.99
-20.46%
47.77
+1878.67%
2.41
-21.57%
3.08
Investments And Advances
952.74
+14.83%
829.71
+61.57%
513.52
-0.04%
513.73
Total Liabilities Net Minority Interest
4,950.72
+0.52%
4,924.91
+75.94%
2,799.18
+3.92%
2,693.51
Long Term Debt And Capital Lease Obligation
311.82
+69.43%
184.04
+8.52%
169.59
+22.75%
138.16
Long Term Debt
311.82
+69.43%
184.04
+8.52%
169.59
+22.75%
138.16
Stockholders Equity
591.53
+14.49%
516.68
+94.93%
265.06
+15.80%
228.90
Common Stock Equity
591.53
+14.49%
516.68
+94.93%
265.06
+15.80%
228.90
Capital Stock
1.03
-0.10%
1.03
+76.16%
0.58
-0.17%
0.58
Common Stock
1.03
-0.10%
1.03
+76.16%
0.58
-0.17%
0.58
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
19.71
-0.06%
19.72
+76.02%
11.20
-0.22%
11.23
Ordinary Shares Number
19.51
+0.60%
19.39
+82.71%
10.61
-0.55%
10.67
Treasury Shares Number
0.20
-38.55%
0.33
-43.83%
0.59
+6.16%
0.56
Additional Paid In Capital
424.60
+0.31%
423.27
+123.92%
189.03
-0.13%
189.26
Retained Earnings
186.75
+47.58%
126.54
+7.54%
117.67
+27.24%
92.47
Gains Losses Not Affecting Retained Earnings
-15.20
+42.24%
-26.32
+7.59%
-28.48
+28.65%
-39.91
Treasury Stock
5.64
-28.11%
7.84
-42.94%
13.74
+1.72%
13.51
Other Equity Adjustments
-15.20
+42.24%
-26.32
+7.59%
-28.48
+28.65%
-39.91
Total Equity Gross Minority Interest
591.53
+14.49%
516.68
+94.93%
265.06
+15.80%
228.90
Total Capitalization
903.36
+28.92%
700.73
+61.22%
434.65
+18.41%
367.06
Invested Capital
903.36
+28.92%
700.73
+61.22%
434.65
+18.41%
367.06
Total Debt
311.82
+69.43%
184.04
+8.52%
169.59
+22.75%
138.16
Net Debt
162.05
—
104.43
+35.03%
77.34
Net Tangible Assets
483.79
+20.70%
400.81
+64.32%
243.92
+17.78%
207.09
Tangible Book Value
483.79
+20.70%
400.81
+64.32%
243.92
+17.78%
207.09
Available For Sale Securities
951.63
—
—
—
Cash Cash Equivalents And Federal Funds Sold
176.49
-34.42%
269.11
+248.80%
77.15
+7.96%
71.47
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
74.73
+113.78%
34.96
-20.00%
43.70
+20.75%
36.19
Cash Flow From Continuing Operating Activities
74.73
+113.78%
34.96
-20.00%
43.70
+20.75%
36.19
Net Income From Continuing Operations
80.86
+266.69%
22.05
-38.17%
35.66
+61.83%
22.04
Depreciation Amortization Depletion
15.27
+57.60%
9.69
+123.27%
4.34
-6.06%
4.62
Depreciation And Amortization
15.27
+57.60%
9.69
+123.27%
4.34
-6.06%
4.62
Other Non Cash Items
-2.50
-98.97%
-1.26
-164.07%
1.96
+145.21%
-4.34
Stock Based Compensation
5.01
-42.50%
8.72
+270.08%
2.36
+9.38%
2.15
Asset Impairment Charge
—
0.00
0.00
-100.00%
1.30
Deferred Tax
6.00
+791.93%
-0.87
-33.18%
-0.65
-10.15%
-0.59
Deferred Income Tax
6.00
+791.93%
-0.87
-33.18%
-0.65
-10.15%
-0.59
Operating Gains Losses
-1.16
-21.80%
-0.95
-345.24%
0.39
+122.09%
-1.76
Gain Loss On Investment Securities
-0.17
+33.33%
-0.25
-629.79%
0.05
-70.63%
0.16
Gain Loss On Sale Of PPE
0.02
-95.01%
0.38
+51.19%
0.25
-52.45%
0.53
Change In Working Capital
-5.38
+16.59%
-6.45
-57.97%
-4.08
-160.94%
6.70
Change In Receivables
5.43
+151.17%
-10.61
-775.37%
1.57
+137.69%
-4.17
Changes In Account Receivables
5.43
+151.17%
-10.61
-775.37%
1.57
+137.69%
-4.17
Change In Payables And Accrued Expense
-10.80
-359.42%
4.17
+173.70%
-5.65
-152.02%
10.86
Change In Payable
-10.80
-359.42%
4.17
+173.70%
-5.65
-152.02%
10.86
Change In Account Payable
-10.80
-359.42%
4.17
+173.70%
-5.65
-152.02%
10.86
Change In Other Current Liabilities
—
—
—
20.49
Investing Cash Flow
-181.96
-398.33%
60.99
+139.80%
-153.25
+43.45%
-270.99
Cash Flow From Continuing Investing Activities
-181.96
-398.33%
60.99
+139.80%
-153.25
+43.45%
-270.99
Net PPE Purchase And Sale
-4.22
-166.56%
-1.58
+29.69%
-2.25
-151.40%
-0.90
Purchase Of PPE
-4.24
-167.70%
-1.58
+31.01%
-2.29
-156.20%
-0.90
Sale Of PPE
0.02
0.00
-100.00%
0.04
0.00
Capital Expenditure
-4.24
-167.70%
-1.58
+31.01%
-2.29
-156.20%
-0.90
Net Investment Purchase And Sale
-104.73
-3614.36%
2.98
-71.78%
10.56
+110.70%
-98.68
Purchase Of Investment
-273.82
-16.15%
-235.74
-407.67%
-46.44
+74.42%
-181.53
Sale Of Investment
169.09
-29.17%
238.72
+318.85%
56.99
-31.20%
82.84
Net Business Purchase And Sale
0.00
-100.00%
45.28
+356.67%
-17.64
0.00
Purchase Of Business
0.00
0.00
+100.00%
-17.64
0.00
Net Other Investing Changes
-3.45
+72.25%
-12.45
-998.63%
1.39
+142.64%
-3.25
Financing Cash Flow
8.13
-90.74%
87.76
-22.94%
113.89
+31.03%
86.91
Cash Flow From Continuing Financing Activities
8.13
-90.74%
87.76
-22.94%
113.89
+31.03%
86.91
Net Issuance Payments Of Debt
125.58
+974.20%
-14.37
-160.12%
23.89
-75.67%
98.19
Issuance Of Debt
135.00
0.00
-100.00%
40.00
0.00
Repayment Of Debt
-47.50
0.00
+100.00%
-1.46
-229.93%
-0.44
Long Term Debt Issuance
135.00
0.00
-100.00%
40.00
0.00
Long Term Debt Payments
-47.50
0.00
+100.00%
-1.46
-229.93%
-0.44
Net Long Term Debt Issuance
87.50
0.00
-100.00%
38.55
+8840.36%
-0.44
Short Term Debt Issuance
—
—
—
98.63
Short Term Debt Payments
—
—
-14.65
—
Net Short Term Debt Issuance
38.08
+365.08%
-14.37
+1.95%
-14.65
-114.85%
98.63
Net Common Stock Issuance
-2.27
+5.06%
-2.39
+19.24%
-2.96
+79.50%
-14.46
Common Stock Payments
-2.27
+5.06%
-2.39
+19.24%
-2.96
+79.50%
-14.46
Common Stock Dividend Paid
-20.64
-56.66%
-13.18
-55.30%
-8.48
-2.67%
-8.26
Cash Dividends Paid
-20.64
-56.66%
-13.18
-55.30%
-8.48
-2.67%
-8.26
Repurchase Of Capital Stock
-2.27
+5.06%
-2.39
+19.24%
-2.96
+79.50%
-14.46
Proceeds From Stock Option Exercised
0.15
-43.45%
0.27
+96.32%
0.14
+2.26%
0.13
Net Other Financing Charges
0.57
+4.77%
0.55
—
—
Changes In Cash
-99.10
-153.94%
183.71
+4134.97%
4.34
+102.93%
-147.89
Beginning Cash Position
248.87
+281.94%
65.16
+7.13%
60.82
-70.86%
208.71
End Cash Position
149.77
-39.82%
248.87
+281.94%
65.16
+7.13%
60.82
Free Cash Flow
70.50
+111.22%
33.38
-19.39%
41.41
+17.31%
35.30
Interest Paid Supplemental Data
103.37
+10.77%
93.31
+117.58%
42.89
+391.78%
8.72
Income Tax Paid Supplemental Data
9.10
-5.45%
9.62
+29.19%
7.45
+52.04%
4.90
Dividends Received CFI
—
—
0.17
-88.23%
1.41
Earnings Losses From Equity Investments
—
-0.15
-239.53%
-0.04
+95.59%
-0.98
Sale Of Business
0.00
-100.00%
45.28
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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