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

Company Overview

Orrstown Financial Services, Inc. is a bank holding company headquartered in Shippensburg, Pennsylvania, that provides a comprehensive range of financial services through its primary subsidiary, Orrstown Bank. Founded in 1871, the company has built its reputation on personalized community banking and has expanded to serve customers across southcentral Pennsylvania. Orrstown’s core offerings include consumer and commercial deposit accounts, mortgage lending, home equity lines of credit, and business lending solutions tailored to small and medium-sized enterprises.

In addition to traditional banking services, Orrstown Financial Services offers wealth management and brokerage services through its affiliated investment subsidiary. Clients benefit from financial planning, retirement strategies, and brokerage support, while the company’s insurance division provides life, health, and property-casualty coverage. These complementary services reinforce Orrstown’s commitment to delivering a one-stop financial resource for individuals, families, and business owners in its regional footprint.

Throughout its history, Orrstown has focused on leveraging technology to enhance customer convenience, including online and mobile banking platforms, electronic bill payment, and remote deposit capture. The bank’s commitment to digital innovation is balanced by its emphasis on local decision-making, ensuring that credit and lending decisions reflect the needs of the communities it serves. Orrstown operates multiple full-service branches in Franklin, Cumberland, Fulton, and other neighboring counties, maintaining close ties to community organizations and economic development initiatives.

Under the leadership of President and Chief Executive Officer David L. Houston Jr., Orrstown Financial Services continues to pursue measured growth while preserving its community-oriented culture. The executive team emphasizes strong governance and risk management practices, reflecting the company’s ongoing dedication to financial soundness and customer trust. As a Nasdaq-listed entity, Orrstown Financial Services upholds transparency and regulatory compliance, positioning itself as a resilient regional banking partner with deep roots in Pennsylvania’s local markets.

Key Stats

• Today's Range: $33.52 to $34.05
• 50-Day Range: $29.49 to $33.79
• 52-Week Range: $25.57 to $41.99
• Volume: 138,073 shs
• Average Volume: 122,739 shs
• Market Capitalization: $654.95 million
• P/E Ratio: 17.13
• Dividend Yield: 3.10%
• Price Target: $38.50
• Consensus Rating: Buy

Orrstown Financial Services Stock Analysis - MarketRank™

Orrstown Financial Services scored higher than 91% of companies evaluated by MarketBeat, and ranked 134th out of 933 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 2 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 17.13, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.50.

Price to Earnings Ratio vs. Sector

The P/E ratio of Orrstown Financial Services is 17.13, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.15.

Price to Book Value per Share Ratio

Orrstown Financial Services has a P/B Ratio of 1.26. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.23% 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 2.7, 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 decreased by 0.60%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Orrstown Financial Services pays a meaningful dividend of 3.10%, 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

2.23% 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 2.7, 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 decreased by 0.60%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.35

News Sentiment

Orrstown Financial Services has a news sentiment score of 0.35. 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 lower news sentiment than the 0.91 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles 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 on January 1st, 2025. Since then, ORRF stock has decreased by 8.3% and is now trading at $33.57.

How were Orrstown Financial Services' earnings last quarter?

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

Who are Orrstown Financial Services' major shareholders?

Top institutional shareholders of Orrstown Financial Services include Johnson & White Wealth Management LLC (0.06%) and Farmers & Merchants Trust Co of Chambersburg PA (0.04%). Insiders that own company stock include Brian D Brunner, John W Giambalvo, Joel R Zullinger, Thomas R Quinn Jr, Philip E Fague, Floyd E Stoner, Robert G Coradi, Andrea L Pugh, Cindy Jeannette Joiner, David Todd Hornberger, Thomas D Longenecker, Scott V Fainor, Sarah M Brown, Christopher D Holt, Matthew Dyckman, Meera R Modi, Neelesh Kalani and Sean Mulcahy.
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), 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: 7/18/2025
• 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 Price Target for Orrstown Financial Services: $38.50
• High Price Target: $43.00
• Low Price Target: $35.00
• Potential Upside/Downside: +14.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.96
• Trailing P/E Ratio: 17.15
• Forward P/E Ratio: 7.95
• 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: 2.29
• Cash Flow: $2.80 per share
• Price / Cash Flow: 12.01
• Book Value: $26.65 per share
• Price / Book: 1.26

Miscellaneous

• Outstanding Shares: 19,510,000
• Free Float: 18,591,000
• Market Cap: $655.83 million
• Optionable: Optionable
• Beta: 0.79