Orrstown Financial Services Inc (ORRF)

Featured in Small-Cap Stocks

Orrstown Financial Services, Inc. is a financial holding company for Orrstown Bank and its common stock is listed on the NASDAQ under the symbol ORRF. Through its banking subsidiary, the company serves retail, commercial, non-profit, and government clients in the United States with a range of commercial banking and financial advisory services. Its banking activities include deposit products such as checking, savings, time, demand, and money market accounts, along with certificates of deposit. Orrstown also provides lending across commercial, consumer, residential mortgage, agricultural, municipal, acquisition and development, and other loan categories. In addition, the company offers fiduciary and investment-related services, including trustee, executor, administrator, guardian, custodian, and investment advisory functions, as well as retail brokerage services through a third-party broker/dealer arrangement. Founded in 1919, Orrstown Financial Services is headquartered in Harrisburg, Pennsylvania.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-ORRF
$43.32
5.2% Upside
Fair
$42.25
2.6% Upside
Fair
Great
1.2
2.9%
July 21, 2026
9.5x
1.3x
3.2x
809.7 M
26.4%
95.3%
-1.7
25.4%
102.8%
Valuation • Fair Value

Orrstown Financial Services Inc (NASDAQ-ORRF) Fair Value by Valuation Model

Compare the primary fair value estimate for Orrstown Financial Services Inc (NASDAQ-ORRF) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$43.32

Estimated upside of 5.2% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$47.78

Classic Ben Graham valuation formula reference.

DDM Fair Value

$51.56

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$37.83

Comparable-company valuation reference.

Analyst Price Target

$42.25

Analysts imply upside of 2.6%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Orrstown Financial Services Inc (NASDAQ-ORRF) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Orrstown Financial Services Inc (NASDAQ-ORRF)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

255.4 M

Current operating scale indicator.

Revenue Forecast

205.1 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Orrstown Financial Services Inc (NASDAQ-ORRF) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Orrstown Financial Services Inc (NASDAQ-ORRF)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Great

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.7

Lower score that deserves closer risk review.

FCF / Net Income

102.8%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Orrstown Financial Services Inc (NASDAQ-ORRF). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Orrstown Financial Services Inc (NASDAQ-ORRF)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 21, 2026

Days to Earnings

0

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

2.9%

Income yield reference.

Upcoming Dividend

1.2

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

25.4%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Orrstown Financial Services Inc (NASDAQ-ORRF), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Orrstown Financial Services Inc (NASDAQ-ORRF) Stock Forecast & Technical Outlook

Review Orrstown Financial Services Inc (NASDAQ-ORRF) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Orrstown Financial Services Inc (NASDAQ-ORRF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Neutral

The 1-hour technical read for Orrstown Financial Services Inc (NASDAQ-ORRF) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Orrstown Financial Services Inc (NASDAQ-ORRF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Orrstown Financial Services Inc (NASDAQ-ORRF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Orrstown Financial Services Inc (NASDAQ-ORRF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Orrstown Financial Services Inc (NASDAQ-ORRF)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Buy

Based on the available recommendation mix, Orrstown Financial Services Inc (NASDAQ-ORRF) has a Buy consensus, with 2 buy, 2 hold and 0 sell recommendations in the current data set.

Buy 2
Hold 2
Sell 0
FAQ Fast Investor Answers

Orrstown Financial Services Inc (NASDAQ-ORRF) Stock FAQ

Quick answers about Orrstown Financial Services Inc (NASDAQ-ORRF) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$43.32
Estimated upside 5.2%
Valuation Rating
Undervalued
Estimated upside of 5.2%
Analyst Target
$42.25
Implied upside 2.6%
Financial Health
Great
Current financial-health read

The current fair value estimate for Orrstown Financial Services Inc (NASDAQ-ORRF) is $43.32. This implies an estimated upside of 5.2% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 5.2% versus the current market price.

The available analyst price target for Orrstown Financial Services Inc (NASDAQ-ORRF) is $42.25. The analyst target implies estimated upside of 2.6%.

The current financial health read for Orrstown Financial Services Inc (NASDAQ-ORRF) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Orrstown Financial Services Inc (NASDAQ-ORRF) is July 21, 2026.

Based on the current data, dividend yield is 2.9%, upcoming dividend amount is 1.2.

The current P/E ratio listed for Orrstown Financial Services Inc (NASDAQ-ORRF) is 9.5x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Orrstown Financial Services Inc is 809.7 M.

The ticker symbol for Orrstown Financial Services Inc is NASDAQ-ORRF, and the stock is listed on NASDAQ.

Orrstown Financial Services Inc (NASDAQ-ORRF) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Orrstown Financial Services Inc is 26.4%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Orrstown Financial Services Inc is 95.3%. Free float helps investors understand how much of the share base is available for public trading.