Is Orrstown Financial Services, Inc. (ORRF) Overvalued?
We dive into why Orrstown Financial Services, Inc. (ORRF) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Michael Rose
Stock Evaluator: Orrstown Financial Services, Inc. (ORRF)
Orrstown Financial Services, Inc. ORRF
$42.02
-0.08
-0.19%
August 21, 2026 4:00:00 PM
EST
Volume: 148,618
After Hours: $120.37
0.15
|
0.12%
November 10, 2021 7:59 PM
EST
Volume: 72,713
USD
NASD | DELAYED PRICE
| SECTOR | INDUSTRY |
| Financials | Banks |
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
What You Need to Know About Orrstown Financial Services, Inc.'s Q3 Earnings
Orrstown Financial Services, Inc.'s fiscal Q3 earnings report was released on Tuesday, July 21. Let's dive in to see if (ORRF) missed or beat analyst's expectations.Jenna Brashear
What You Need to Know About Orrstown Financial Services, Inc.'s Q2 Earnings
Orrstown Financial Services, Inc.'s fiscal Q2 earnings report was released on Tuesday, April 21. Let's dive in to see if (ORRF) missed or beat analyst's expectations.Tudor Pop
Why Orrstown Financial Services, Inc.’s (ORRF) Stock Is Down 5.20%
As of Monday, February 23, Orrstown Financial Services, Inc.’s ORRF share price has dipped by 5.20%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
What You Need to Know About Orrstown Financial Services, Inc.'s Q1 Earnings
Orrstown Financial Services, Inc.'s fiscal Q1 earnings report was released on Tuesday, January 27. Let's dive in to see if (ORRF) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | ORRF | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $826.5 | $745.4 | 42% |
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| Shares Out (Mil) | 19.4 | 15.3 | 29% |
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| Institutional Ownership | 92.7% | 83.2% | 61% |
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| Float (Mil) | 18.7 | 21.8 | 28% |
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| Beta | 0.68 | 0.42 | 40% |
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| Avg Daily Volume (000s) | 91 | 45 | 33% |
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| Price Change (52-week) |
26.8% | 94.6% | 66% |
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| Growth | ORRF | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 18.8% | 7.7% | 79% |
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| Net Income (5yr) | 25.0% | 11.1% | 80% |
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| EPS (5yr) | 11.7% | 10.1% | 50 |
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| Dividends (5yr) | 9.3% | 3.6% | 81% |
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| Cash Flow (5yr) | (23.0%) | (17.1%) | 28% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 4 | 4 | 4 | |
| Current EPS | $1.095 | $4.300 | $4.383 | |
| Month Ago EPS | $1.070 | $4.226 | $4.310 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 2 | 0 | 2 | |
| Three Months Ago EPS | $1.058 | $4.203 | $4.280 | |
| Year/Year Chg | 0.5% | 2.9% | na | |
| Financials | ORRF | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $255 | $196 | 34% |
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| Net Income (TTM) (Mil) | $86 | $55 | 59% |
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| EPS (TTM) | $4.481 | $2.600 | 85% |
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| Operating Cash Flow (TTM) (Mil) | $88 | $35 | 51% |
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| Net Cash Flow (TTM) (Mil) | ($5) | $2 | 34% |
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| Long-Term Debt (Q1) (Mil) | $296 | $100 | 53% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | ORRF | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.33 | 1.25 | 33% |
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| P/E | 9.4 | 12.4 | 14% |
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| Dividend Yield | 2.9% | 2.2% | 84% |
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| PEG (5yr hist) | 0.8 | 1.1 | 38% |
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| Ratios | ORRF | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 33.8% | 29.1% | 92% |
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| ROA | 1.6% | 1.1% | 53% |
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| ROE | 14.8% | 11.3% | 70% |
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| Liabilities to Assets | 88.9% | 89.7% | 83% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
