NASDAQ:ORRF Orrstown Financial Services (ORRF) Stock Price, News & Analysis $41.06 +0.02 (+0.05%) As of 11:27 AM Eastern This is a fair market value price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsInsider TradesNews and TrendsOptions ChainOwnershipSEC FilingsShort Interest About Orrstown Financial Services Stock (NASDAQ:ORRF) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get ORRF alerts:Sign Up Key Stats Today's Range$40.99▼$41.3950-Day Range$41.04▼$43.7052-Week Range$31.87▼$43.81Volume4,963 shsAverage Volume160,415 shsMarket Capitalization$807.65 millionP/E Ratio9.23Dividend Yield2.92%Price Target$44.33Consensus RatingModerate Buy Company Overview Orrstown Financial Services Corporation (NASDAQ: ORRF) 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, agricultural customers and nonprofit organizations. Orrstown Bank offers deposit accounts, consumer and commercial loans, residential mortgage lending, agricultural financing, treasury management and other business banking services. Its offerings also include wealth management, trust and investment services designed to support personal and institutional financial planning needs. Founded in 1919, Orrstown has historically focused on communities in south-central Pennsylvania and nearby areas of Maryland. The company has expanded its market presence through organic growth and strategic combinations, including its merger with Codorus Valley Bancorp, the parent company of PeoplesBank, which broadened its banking operations in Pennsylvania and Maryland.AI Generated. May Contain Errors. Read More Orrstown Financial Services Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks82nd Percentile Overall ScoreORRF MarketRank™: Orrstown Financial Services scored higher than 82% of companies evaluated by MarketBeat, and ranked 260th out of 836 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.8 / 5Analyst RatingModerate Buy Consensus RatingOrrstown Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 3 buy ratings, 3 hold ratings, and no sell ratings.Upside/DownsideThe consensus price target for Orrstown Financial Services is close to its current price, suggesting limited near-term upside or downside.Amount of Analyst CoverageOrrstown Financial Services has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.Read more about Orrstown Financial Services' stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings Growth0.23% Earnings GrowthEarnings 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 MarketThe 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 38.99.Price to Earnings Ratio vs. SectorThe 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 25.21.Price to Book Value per Share RatioOrrstown 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.Read more about Orrstown Financial Services' valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted2.78% of the float of Orrstown Financial Services has been sold short.Short Interest Ratio / Days to CoverOrrstown Financial Services has a short interest ratio ("days to cover") of 5.86.Change versus previous monthShort interest in Orrstown Financial Services has recently decreased by 1.56%, indicating that investor sentiment is improving. Dividend4.2 / 5Dividend StrengthStrong Dividend YieldOrrstown Financial Services pays a meaningful dividend of 2.89%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthOrrstown Financial Services has been increasing its dividend for 10 years.Dividend CoverageThe dividend payout ratio of Orrstown Financial Services is 26.97%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased 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.Read more about Orrstown Financial Services' dividend. News and Social Media2.6 / 5News SentimentN/A News SentimentOrrstown Financial Services has a news sentiment score of 1.17. 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 0.61 average news sentiment score of Finance companies. Company Ownership1.4 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn 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 Insiders4.30% of the stock of Orrstown Financial Services is held by insiders.Percentage Held by Institutions44.27% 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.Read more about Orrstown Financial Services' insider trading history. Receive ORRF Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Orrstown Financial Services and its competitors with MarketBeat's FREE daily newsletter. Submit View SMS TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. 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ORRF Stock News HeadlinesRecent Debt Repayment Is One Of Several Reasons For Optimism For Orrstown Financial ServicesAugust 26, 2026 | seekingalpha.comOrrstown Financial Services, Inc. 2026 Q2 - Results - Earnings Call PresentationJuly 23, 2026 | seekingalpha.comThe AI Infrastructure Rush Is ON — Watch VDTAVertical Data Inc. (OTCQB: VDTA) is targeting the layers beneath the AI boom - GPU hardware and financing, managed AI infrastructure, high-density data centers, and edge computing. The company points to an AI infrastructure market that could surpass 800 billion dollars by 2030, with a planned 20 MW Chicago data center targeting revenue in Q2 2027. A non-binding collaboration with Quantum eMotion is exploring quantum-security integration for GPU clusters, with a pilot targeted for 2026. Execution risks remain, but the setup connects compute demand, infrastructure buildout, and next-generation security.September 24 at 1:00 AM | Trading Wire (Ad)Orrstown Financial Services Inc (ORRF) Q2 2026 Earnings Call Highlights: Record Wealth ...July 22, 2026 | finance.yahoo.comOrrstown sees 2026 net interest margin at the higher end of its 3.90%-4.00% range after $31M subordinated debt redemptionJuly 22, 2026 | seekingalpha.comOrrstown Financial Services, Inc. (ORRF) Q2 2026 Earnings Call TranscriptJuly 22, 2026 | seekingalpha.comOrrstown Financial Services, Inc. Reports Second Quarter 2026 ResultsJuly 21, 2026 | globenewswire.comOrrstown Financial Services, Inc. Announces Date of Second Quarter 2026 Earnings Release, Conference Call and WebcastJuly 9, 2026 | globenewswire.comSee More Headlines ORRF Stock Analysis - Frequently Asked Questions How have ORRF shares performed this year? Orrstown Financial Services' stock was trading at $35.42 at the beginning of the year. Since then, ORRF shares have increased by 16.9% and is now trading at $41.3940. How were Orrstown Financial Services' earnings last quarter? Orrstown Financial Services Inc (NASDAQ:ORRF) released its earnings results on Wednesday, July, 22nd. The bank reported $1.09 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $1.03 by $0.06. The bank had revenue of $62.67 million for the quarter, compared to analyst estimates of $64.10 million. Orrstown Financial Services had a net margin of 24.00% and a trailing twelve-month return on equity of 14.46%. Read the conference call transcript. Who are Orrstown Financial Services' major shareholders? Top institutional shareholders of Orrstown Financial Services include BlackRock Inc. (8.55%), Algert Global LLC (1.46%), The Manufacturers Life Insurance Company (1.16%) and Man Group plc (0.74%). Insiders that own company stock include Brian D Brunner, John W Giambalvo, Amy Doll, Cindy Jeannette Joiner, David Todd Hornberger, Scott V Fainor, Sarah M Brown and Michael Jaeger. View institutional ownership trends. 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), AUO (AUOTY) and DiamondRock Hospitality (DRH). Company Calendar Last Earnings7/22/2026Record date for 8/11 Dividend8/04/2026Ex-Dividend for 8/11 Dividend8/04/2026Dividend Payable8/11/2026Today9/24/2026Next Earnings (Estimated)10/20/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (15m+) 1-Year History Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 ORRF's financial health is in the Green zone, according to TradeSmith. ORRF has been in this zone for over 15 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Banks Sub-IndustryRegional Banks Current SymbolNASDAQ:ORRF CIK826154 Webwww.orrstown.com Phone(717) 532-6114FaxN/AEmployees652Year Founded1919Price 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+8.0%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage6 Analysts Profitability EPS (Trailing Twelve Months)$4.45 Trailing P/E Ratio9.23 Forward P/E Ratio9.31 P/E GrowthN/ANet Income$80.86 million Net Margins24.00% Pretax Margin29.85% Return on Equity14.46% Return on Assets1.56% Debt Debt-to-Equity Ratio0.01 Current Ratio0.87 Quick Ratio0.87 Sales & Book Value Annual Sales$356.05 million Price / Sales2.27 Cash Flow$3.79 per share Price / Cash Flow10.84 Book Value$30.34 per share Price / Book1.35Miscellaneous Outstanding Shares19,670,000Free Float18,824,000Market Cap$807.65 million OptionableOptionable Beta0.69 Social Links Don't Wait for the OpenAI IPOThe AI wave will soon hit public markets with Anthropic and OpenAI set to go public later this year. 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