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Orrstown Financial Services Inc

ORRF

35.750USD

+0.860+2.46%

Close 09/18, 16:00（ET）Quotes delayed by 15 min

698.41MMarket Cap

16.14P/E TTM



Orrstown Financial Services Inc

35.750

+0.860+2.46%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated：2025-09-18

Key Insights

The company's fundamentals are relatively stable. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite a weak stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

144 / 400

Overall Ranking

245 / 4721

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 5 analysts

Buy

Current Rating

39.800

Target Price

+14.07%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

Orrstown Financial Services, Inc. is a financial holding company for its wholly owned subsidiary Orrstown Bank (the Bank). The Bank provides a range of consumer and business financial services in Adams, Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York Counties, Pennsylvania and Anne Arundel, Baltimore, Howard, and Washington Counties, Maryland, as well as Baltimore City, Maryland. The Company operates in the community banking segment and engages in lending activities, including commercial, residential, commercial mortgages, construction, municipal, and various forms of consumer lending, and deposit services, including checking, savings, time, and money market deposits. The Company's lending area also includes adjacent counties in Pennsylvania and Maryland, as well as Loudon County, Virginia and Berkeley, Jefferson and Morgan Counties, West Virginia. The Company also provides fiduciary services, investment advisory, insurance and brokerage services.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 53.93% year-on-year.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 59.76%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 59.76%.

Overvalued

The company’s latest PB is 1.27, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 12.19M shares, decreasing 1.86% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 1.08M shares of this stock.

Financial Health

Currency: USD Updated：2025-09-18

The company's current financial score is 4.34, which is lower than the Banking Services industry's average of 7.07. Its financial status is weak, and its operating efficiency is low. Its latest quarterly revenue reached 59.04M, representing a year-over-year increase of 89.51%, while its net profit experienced a year-over-year increase of 151.33%.

Score

Industry at a Glance

Previous score

4.34

Change



Financials

4.87

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

2.34

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.77

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

6.67

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.08

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated：2025-09-18

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 18.54, which is -7.62% below the recent high of 17.13 and 54.14% above the recent low of 8.50.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 144/400

No Data

Earnings Forecast

Currency: USD Updated：2025-09-18

The company’s current earnings forecast score is 8.40, which is higher than the Banking Services industry's average of 7.39. The average price target for Orrstown Financial Services Inc is 40.00, with a high of 42.00 and a low of 38.00.

Score

Industry at a Glance

Previous score

8.40

Change

Support & Resistance

No Data

Analyst Rating

Based on 5 analysts

Buy

Current Rating

39.800

Target Price

+14.07%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

Orrstown Financial Services Inc

ORRF

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated：2025-09-18

The company’s current price momentum score is 8.68, which is higher than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 36.27 and the support level at 33.20, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

8.68

Change

0.49

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(1)

Neutral(2)

Buy(3)

Indicators

Value

Direction

MACD(12,26,9)

-0.029

Neutral

RSI(14)

64.612

Neutral

STOCH(KDJ)(9,3,3)

61.916

Buy

ATR(14)

0.657

High Vlolatility

CCI(14)

178.624

Buy

Williams %R

13.043

Overbought

TRIX(12,20)

0.205

Sell

StochRSI(14)

100.000

Buy

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

35.106

Buy

MA10

35.074

Buy

MA20

34.848

Buy

MA50

33.944

Buy

MA100

32.382

Buy

MA200

32.900

Buy

Institutional Confidence

Currency: USD Updated：2025-09-18

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 63.06%, representing a quarter-over-quarter increase of 0.42%. The largest institutional shareholder is The Vanguard, holding a total of 1.08M shares, representing 5.56% of shares outstanding, with 3.96% increase in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Fourthstone LLC

1.76M

+14.74%

BlackRock Institutional Trust Company, N.A.

1.33M

-3.66%

The Vanguard Group, Inc.

Star Investors

1.04M

+0.65%

Dimensional Fund Advisors, L.P.

727.07K

-12.82%

State Street Global Advisors (US)

567.89K

+38.71%

Geode Capital Management, L.L.C.

444.15K

+2.76%

Renaissance Technologies LLC

Star Investors

263.95K

+21.72%

American Century Investment Management, Inc.

226.00K

-0.90%

Manulife Investment Management (North America) Limited

238.67K

-0.10%

Risk Assessment

Currency: USD Updated：2025-09-18

The company’s current risk assessment score is 4.74, which is lower than the Banking Services industry's average of 5.23. The company's beta value is 0.83. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.