ORRF logo

ORRSTOWN FINL SERVICES INC

ORRFNASDAQ
πŸ† #2478 by market capEarnings Jan 26US Equity
$44.14β–Ό $0.15 (βˆ’0.34%)
πŸŒ… Pre-market$44.14β–² 0.00%Regular close Β· extended-hours price shown
πŸ””
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24hβ–Ό 0.3%
7dβ–Ό 0.4%
14dβ–² 6.6%
30dβ–² 7.8%
ytdβ–² 24.7%
1yβ–² 33.1%
🏦Market Cap
$868M
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
$43.64 – $44.59
52-Week Range
$32.50 – $45.40
Volume (shares)
93,234
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 data unavailable.

Latest News & Updates

GlobeNewsWireΒ·2d ago

Orrstown Financial Services Named to the Fortune 100 Fastest-Growing Companies List

HARRISBURG, Pa., Oct. 26, 2026 (GLOBE NEWSWIRE) -- Orrstown Financial Services, Inc., the parent company of Orrstown Bank, today announced it has been named to the Fortune 100 Fastest-Growing Companiesβ„’ 2026 list, earnin

Fool - Investing NewsΒ·7d ago

Orrstown: 3 Key Takeaways for Long-Term Investors

The bank's organic loan growth is now replacing merger-related income, a shift that tests whether it can sustain profitable growth on its own.

Seeking AlphaΒ·7d ago

Orrstown Financial Services, Inc. (ORRF) Q3 2026 Earnings Call Transcript

Orrstown Financial Services, Inc. ( ORRF ) Q3 2026 Earnings Call October 21, 2026 9:00 AM EDT Company Participants Adam Metz - President, CEO & Director Neelesh Kalani - Executive VP, CFO & Head of Investor Relations Zac

MarketBeatΒ·7d ago

Orrstown Financial Services Q3 Earnings Call Highlights

Orrstown Financial Services NASDAQ: ORRF reported third-quarter 2026 net income of $22.8 million, or $1.17 per diluted share, as higher net interest income, loan growth and expense discipline supported improved profitabi

Zacks Investment ResearchΒ·8d ago

Compared to Estimates, Orrstown (ORRF) Q3 Earnings: A Look at Key Metrics

While the top- and bottom-line numbers for Orrstown (ORRF) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street e

Zacks Investment ResearchΒ·8d ago

Orrstown Financial Services (ORRF) Beats Q3 Earnings and Revenue Estimates

Orrstown Financial Services (ORRF) came out with quarterly earnings of $1.17 per share, beating the Zacks Consensus Estimate of $1.1 per share. This compares to earnings of $1.13 per share a year ago.