Orrstown Financial Services (ORRF) Stock Price, News & Analysis

Company Overview

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; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides renders 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. Orrstown Financial Services, Inc. was founded in 1919 and is headquartered in Shippensburg, Pennsylvania.

Key Stats

• Today's Range: $33.43 to $34.04
• 50-Day Range: $28.90 to $33.78
• 52-Week Range: $25.57 to $41.99
• Volume: 211,028 shs
• Average Volume: 122,068 shs
• Market Capitalization: $658.95 million
• P/E Ratio: 17.23
• Dividend Yield: 3.08%
• Price Target: $38.00
• Consensus Rating: Buy

Orrstown Financial Services Stock Analysis - MarketRank™

Orrstown Financial Services scored higher than 91% of companies evaluated by MarketBeat, and ranked 127th out of 909 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.5 / 5
• Analyst Rating: Buy

Consensus Rating

Orrstown Financial Services has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 4 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Orrstown Financial Services has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.86%

Earnings Growth

Earnings for Orrstown Financial Services are expected to grow by 6.86% in the coming year, from $4.23 to $4.52 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Orrstown Financial Services is 17.23, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.61.

Price to Earnings Ratio vs. Sector

The P/E ratio of Orrstown Financial Services is 17.23, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.02.

Price to Book Value per Share Ratio

Orrstown Financial Services has a P/B Ratio of 1.27. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.24% of the float of Orrstown Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Orrstown Financial Services has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Orrstown Financial Services has recently increased by 0.82%, indicating that investor sentiment is decreasing.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Orrstown Financial Services pays a meaningful dividend of 3.08%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Orrstown Financial Services has been increasing its dividend for 10 years.

Dividend Coverage

The dividend payout ratio of Orrstown Financial Services is 53.06%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Orrstown Financial Services will have a dividend payout ratio of 23.01% next year. This indicates that Orrstown Financial Services will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.4 / 5
• Environmental Score: -0.45

Percentage of Shares Shorted

2.24% of the float of Orrstown Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Orrstown Financial Services has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Orrstown Financial Services has recently increased by 0.82%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: N/A

News Sentiment

Orrstown Financial Services has a news sentiment score of 1.11. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.71 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Orrstown Financial Services this week, compared to 2 articles on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Orrstown Financial Services insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 4.70% of the stock of Orrstown Financial Services is held by insiders.

Percentage Held by Institutions

44.27% of the stock of Orrstown Financial Services is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

ORRF Stock Analysis - Frequently Asked Questions

How have ORRF shares performed this year?

Orrstown Financial Services' stock was trading at $36.61 at the start of the year. Since then, ORRF stock has decreased by 7.7% and is now trading at $33.7750.

How were Orrstown Financial Services' earnings last quarter?

Orrstown Financial Services Inc (NASDAQ:ORRF) issued its quarterly earnings results on Tuesday, April, 22nd. The bank reported $1.00 EPS for the quarter, beating analysts' consensus estimates of $0.95 by $0.05. The bank earned $60.39 million during the quarter, compared to analyst estimates of $51.83 million. Orrstown Financial Services had a net margin of 9.74% and a trailing twelve-month return on equity of 14.35%.
Read the conference call transcript.

How do I buy shares of Orrstown Financial Services?

Shares of ORRF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Orrstown Financial Services own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Orrstown Financial Services investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Voyager Therapeutics (VYGR), The RMR Group (RMR), AU Optronics (AUOTY) and DiamondRock Hospitality (DRH).

Company Calendar

• Last Earnings: 4/22/2025
• Record date for 5/13 Dividend: 5/06/2025
• Ex-Dividend for 5/13 Dividend: 5/06/2025
• Dividend Payable: 5/13/2025
• Today: 7/04/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:ORRF
• CIK: 826154
• Web: www.orrstown.com
• Phone: (717) 532-6114
• Fax: N/A
• Employees: 430
• Year Founded: 1919

Price Target and Rating

• Average Stock Price Target: $38.00
• High Stock Price Target: $43.00
• Low Stock Price Target: $35.00
• Potential Upside/Downside: +12.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.96
• Trailing P/E Ratio: 17.23
• Forward P/E Ratio: 7.98
• P/E Growth: N/A
• Net Income: $22.05 million
• Net Margins: 9.74%
• Pretax Margin: 12.28%
• Return on Equity: 14.35%
• Return on Assets: 1.35%

Debt

• Debt-to-Equity Ratio: 0.13
• Current Ratio: 0.87
• Quick Ratio: 0.87

Sales & Book Value

• Annual Sales: $286.37 million
• Price / Sales: 2.30
• Cash Flow: $2.75 per share
• Price / Cash Flow: 12.29
• Book Value: $26.65 per share
• Price / Book: 1.27

Miscellaneous

• Outstanding Shares: 19,510,000
• Free Float: 18,591,000
• Market Cap: $658.95 million
• Optionable: Optionable
• Beta: 0.79