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Stock Evaluator: Orrstown Financial Services, Inc. (ORRF)

Orrstown Financial Services, Inc. ORRF

$42.73 -0.06 -0.14%
July 31, 2026 4:00:00 PM EST November 10, 2021 Volume: 115,615
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:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
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

Financial Summary

Share Statistics ORRF Industry
Median		 Percentile
(All Stocks)
Market Cap (Mil) $841.7 $716.9 43%
Shares Out (Mil) 19.4 15.7 30%
Institutional Ownership 92.7% 83.0% 62%
Float (Mil) 18.7 21.2 28%
Beta 0.68 0.48 39%
Avg Daily Volume (000s) 119 53 38%
Price Change
(52-week)		 29.2% 96.7% 68%
Growth ORRF Industry
Median		 Percentile
(All Stocks)
Sales (5yr) 18.8% 7.6% 79%
Net Income (5yr) 25.0% 11.1% 80%
EPS (5yr) 11.7% 10.1% 50
Dividends (5yr) 9.3% 3.6% 80%
Cash Flow (5yr) (23.0%) (17.0%) 28%
Estimates Qtrly Current
Fiscal
Year		 Next
Fiscal
Year
# of Estimates 5 4 5
Current EPS $1.096 $4.313 $4.388
Month Ago EPS $1.063 $4.233 $4.293
# Rev Up 0 0 1
# Rev Down 2 2 2
Three Months Ago EPS $1.060 $4.187 $4.280
Year/Year Chg (2.1%) 3.2% na
Financials ORRF Industry
Median		 Percentile
(All Stocks)
Sales (TTM) (Mil) $255 $190 35%
Net Income (TTM) (Mil) $85 $51 59%
EPS (TTM) $4.400 $2.500 85%
Operating Cash Flow (TTM) (Mil) $89 $34 52%
Net Cash Flow (TTM) (Mil) ($126) $1 13%
Long-Term Debt (Q1) (Mil) $257 $100 52%
Enterprise Value (Q1) (Mil) na $0 na
Valuation ORRF Industry
Median		 Percentile
(All Stocks)
P/B 1.39 1.27 36%
P/E 9.8 12.9 15%
Dividend Yield 2.8% 2.2% 83%
PEG (5yr hist) 0.8 1.1 38%
Ratios ORRF Industry
Median		 Percentile
(All Stocks)
Gross Margin na 68.8% na
Net Margin 33.8% 28.9% 91%
ROA 1.5% 1.0% 52%
ROE 14.9% 11.1% 71%
Liabilities to Assets 89.2% 89.8% 84%
F-Score 5 4 51%

Passing Stock Screens

As of 7/31/2026, from a list of 60 stock screening strategies, ORRF meetings the criteria of 2 screen:
Stock Screen
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

Passing Stocks

1st Source Corporation SRCE
Aflac Incorporated AFL
Amalgamated Financial Corp. AMAL
American Financial Group, Inc. AFG
Ameris Bancorp ABCB
See All 182 Stocks (as of 7/31/2026)
FACTOR STRATEGY

Value on the Move--PEG With Hist Growth Screen

Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price. 
Performance Since Inception: 13.9%
+/- S&P 500: +6.4

Passing Stocks

1st Source Corporation SRCE
AAR Corp. AIR
Affiliated Managers Group, Inc. AMG
Applied Industrial Technologies, Inc. AIT
Archrock, Inc. AROC
See All 69 Stocks (as of 7/31/2026)

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

Ⓒ 2026 American Association of Individual Investors