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

Company Overview

Orrstown Financial Services, Inc. is a bank holding company headquartered in Shippensburg, Pennsylvania. Through its principal subsidiary, Orrstown Bank, the company provides banking and financial services to individuals, families, businesses, and institutions.

Orrstown Bank offers deposit accounts, consumer and commercial lending, mortgage banking, cash-management and treasury services, online and mobile banking, and wealth-management services. Its lending activities include residential mortgages, home-equity loans, consumer loans, commercial real estate financing, and loans to small and middle-market businesses.

Orrstown Financial Services traces its history to the founding of Orrstown Bank in 1919. The bank serves communities primarily in south-central Pennsylvania and nearby areas of Maryland through a network of financial centers and digital banking channels. In 2024, Orrstown completed a merger with Codorus Valley Bancorp, expanding its presence in Pennsylvania and Maryland and combining the operations of Orrstown Bank and Codorus Valley’s PeoplesBank.

Key Stats

• Today's Range: $41.13 to $41.75
• 50-Day Range: $40.58 to $43.70
• 52-Week Range: $31.87 to $43.81
• Volume: 85,346 shs
• Average Volume: 100,344 shs
• Market Capitalization: $814.34 million
• P/E Ratio: 9.30
• Dividend Yield: 2.90%
• Price Target: $44.33
• Consensus Rating: Moderate Buy

Orrstown Financial Services Stock Analysis - MarketRank™

Orrstown Financial Services scored higher than 77% of companies evaluated by MarketBeat, and ranked 311th out of 839 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: 2.9 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Orrstown Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.60, and is based on no strong buy ratings, 3 buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Orrstown Financial Services is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Orrstown Financial Services has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 0.23%

Earnings Growth

Earnings for Orrstown Financial Services are expected to grow by 0.23% in the coming year, from $4.41 to $4.42 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Orrstown Financial Services is 9.30, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.95.

Price to Earnings Ratio vs. Sector

The P/E ratio of Orrstown Financial Services is 9.30, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.43.

Price to Book Value per Share Ratio

Orrstown Financial Services has a P/B Ratio of 1.36. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.22% 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 8.1.

Change versus previous month

Short interest in Orrstown Financial Services has recently increased by 15.82%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Orrstown Financial Services pays a meaningful dividend of 2.88%, 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 26.97%. 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 27.15% next year. This indicates that Orrstown Financial Services will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: N/A

News Sentiment

Orrstown Financial Services has a news sentiment score of 0.90. 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 0.60 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 1 article on an average week.

Company Ownership

• Score: 1.4 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Orrstown Financial Services insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $124,913.00 in company stock.

Percentage Held by Insiders

4.30% 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.

Company Calendar

• Last Earnings: 7/22/2026
• Record date for 8/11 Dividend: 8/04/2026
• Ex-Dividend for 8/11 Dividend: 8/04/2026
• Dividend Payable: 8/11/2026
• Today: 10/05/2026
• Next Earnings (Estimated): 10/20/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:ORRF
• CIK: 826154
• Web: www.orrstown.com
• Phone: (717) 532-6114
• Fax: N/A
• Employees: 652
• Year Founded: 1919

Price Target and Rating

• Average Price Target for Orrstown Financial Services: $44.33
• High Price Target: $46.00
• Low Price Target: $41.00
• Potential Upside/Downside: +7.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.60
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.45
• Trailing P/E Ratio: 9.30
• Forward P/E Ratio: 9.39
• P/E Growth: N/A
• Net Income: $80.86 million
• Net Margins: 24.00%
• Pretax Margin: 29.85%
• Return on Equity: 14.46%
• Return on Assets: 1.56%

Debt

• Debt-to-Equity Ratio: 0.01
• Current Ratio: 0.87
• Quick Ratio: 0.87

Sales & Book Value

• Annual Sales: $356.05 million
• Price / Sales: 2.29
• Cash Flow: $3.81 per share
• Price / Cash Flow: 10.87
• Book Value: $30.34 per share
• Price / Book: 1.36

Miscellaneous

• Outstanding Shares: 19,670,000
• Free Float: 18,824,000
• Market Cap: $814.34 million
• Optionable: Optionable
• Beta: 0.69