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ORRSTOWN FINL SERVICES INC

ORRFNASDAQ
πŸ† #2478 by market capEarnings Jan 26US Equity
$43.82β–Ό $0.52 (βˆ’1.17%)
Pre-market Β· at close
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24hβ–Ό 1.2%
7dβ–Ό 1.2%
14dβ–² 5.8%
30dβ–² 7.1%
ytdβ–² 23.8%
1yβ–² 32.1%
🏦Market Cap
$862M
Small Cap
πŸ“ˆRevenue Growth (YoY)
24.6%
Healthy
πŸ“ŠGross Margin
71.4%
High
πŸ’΅FCF Margin
23.8%
Strong
βš–οΈP/S Ratio
2.4x
Cheap
Otter Score
84
Strong

Trading Snapshot

Day Range
$43.77 – $43.82
52-Week Range
$32.50 – $45.40
Volume (shares)
2,732
Avg Volume (shares)
β€”
Shares Outstanding
19.7M
Next Earnings
2027-01-26

Fundamentals Snapshot

Annual Revenue
$354M
Last Q Revenue
$91M
P/E Ratio
9.4
P/S Ratio
2.4x
EPS (TTM)
$4.50
Dividend Yield
2.65%
Dilution (1yr)
βˆ’13.2%
ORRF logo

ORRSTOWN FINL SERVICES INC

ORRF
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$354Mβ–² +24.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
70.6%β–² +15.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$103Mβ–² +269.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$70Mβ–² +111.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
16.8Mβ–Ό βˆ’13.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$294Mβ–Ό βˆ’$333M YoY
StockOtter Β· stockotter.space

About ORRSTOWN FINL SERVICES INC

Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles like trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor. It also facilitates retail brokerage services through a collaborative arrangement with an external broker/dealer, and provides direct investment advisory and insurance services. Established in 1919, Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania. Its operational footprint spans multiple counties in Pennsylvania (Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (Anne Arundel, Baltimore, Howard, and Washington, alongside Baltimore City).

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
84/100

Analyst Ratings

β“˜
Consensus
Buy
11 analysts
Strong Buy2
Buy6
Hold3
Sell0
Strong Sell0
Ratings as of Oct 2026

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