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Orrstown Financial Services Inc (ORRF)
Price$36.71
Value ScoreB
Growth ScoreB
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)-5.75%
Price vs S&P 500 (4W)-5.13%
VGM Score62.63
Market Capitalization$729.52M
P/E Ratio (Annual)9.02x
Indicated Dividend Yield (Annual)3.23%
All Metrics
P/CF (Annual)9.76x
Book Value / Share (Quarterly)$30.76
P/TBV (Annual)1.25x
Indicated Dividend (Annual)$1.20
Revenue Growth (3Y)5.32%
Cash Flow / Share (Quarterly)$4.43
Payout Ratio (TTM)25.36%
Price vs S&P 500 (YTD)-6.11%
Net Profit Margin (TTM)28.57%
EPS (TTM)$4.37
10-Day Avg Trading Volume0.09M
EPS Excl Extra (TTM)$4.37
Revenue Growth (5Y)16.13%
EPS (Annual)$4.18
Dividend / Share (Annual)$1.06
ROI (Annual)12.37%
Net Profit Margin (5Y Avg)21.14%
Cash / Share (Quarterly)$3.27
P/E Basic Excl Extra (TTM)8.62x
Revenue Growth QoQ (YoY)41.11%
EPS Growth (5Y)11.64%
P/E Normalized (Annual)9.02x
ROA (Last FY)1.46%
Revenue Growth TTM (YoY)41.29%
EBITD / Share (TTM)$5.55
ROE (5Y Avg)10.63%
Operating Margin (TTM)35.84%
Cash Flow / Share (Annual)$3.61
P/B Ratio1.21x
P/B Ratio (Quarterly)1.17x
Net Income / Employee (Annual)$129,000
ROA (TTM)1.54%
EPS Growth QoQ (YoY)20.31%
EV / EBITDA (TTM)6.36x
EPS Incl Extra (Annual)$4.18
3-Month Avg Trading Volume0.18M
52-Week Price Return24.06%
EV / Free Cash Flow (Annual)11.15x
P/E Incl Extra (TTM)8.62x
Tangible BV / Share (Quarterly)$28.93
P/S Ratio (Annual)1.98x
52-Week High$40.72
EPS Excl Extra (Annual)$4.18
CapEx CAGR (5Y)26.64%
Tangible BV CAGR (5Y)18.11%
26-Week Price Return10.18%
13-Week Price Return-0.67%
Total Debt / Equity (Annual)0.10x
Enterprise Value$786.06M
Revenue / Share Growth (5Y)8.81%
Book Value / Share Growth (5Y)6.64%
Revenue / Employee (Annual)$310,250,000,000
Pretax Margin (Annual)21.03%
Cash / Share (Annual)$2.67
3-Month Return Std Dev24.59%
Net Income / Employee (TTM)$134,900
EBITDA CAGR (5Y)23.83%
EBITDA Interim CAGR (5Y)20.35%
ROE (Last FY)13.67%
EPS Basic Excl Extra (Annual)$4.18
P/FCF (TTM)8.39x
EV / Free Cash Flow (TTM)9.04x
Total Debt / Equity (Quarterly)0.09x
EPS Incl Extra (TTM)$4.37
ROI (TTM)13.01%
Dividend Growth Rate (5Y)9.33%
P/S Ratio (TTM)1.90x
Pretax Margin (5Y Avg)25.51%
Revenue / Share (Annual)$11.82
Tangible BV / Share (Annual)$28.38
Forward P/E8.69x
Free OCF CAGR (5Y)19.55%
Price vs S&P 500 (52W)-4.15%
P/E Ratio (TTM)8.62x
EPS Growth TTM (YoY)122.69%
Year-to-Date Return4.83%
5-Day Price Return1.42%
EPS Normalized (Annual)$4.18
ROA (5Y Avg)0.99%
Net Profit Margin (Annual)17.41%
Month-to-Date Return1.06%
Cash Flow / Share (TTM)$4.00
EBITD / Share (Annual)$6.09
EPS Growth (3Y)26.61%
Operating Margin (Annual)21.03%
LT Debt / Equity (Annual)0.06x
P/CF (TTM)8.17x
ROI (5Y Avg)9.12%
P/E Excl Extra (TTM)8.62x
LT Debt / Equity (Quarterly)0.06x
EPS Basic Excl Extra (TTM)$4.37
P/TBV (Quarterly)1.25x
Payout Ratio (Annual)25.53%
P/B Ratio (Annual)1.17x
Dividend / Share (TTM)$1.10
Pretax Margin (TTM)35.84%
Book Value / Share (Annual)$30.32
Price vs S&P 500 (13W)-10.41%
Net Margin Growth (5Y)0.69%
Dividend Yield (TTM)2.94%
Beta0.71x
P/FCF (Annual)10.35x
Revenue / Share (TTM)$12.59
ROE (TTM)14.62%
52-Week Low$29.39
vGradeB
gGradeB
mGradeC
vgmGradeB
Show chart for
Earnings Surprise History
Q1 261.12est. 1.03
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.10
4.09
4.10
4.11
Industry Peers — State Banks(184)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
ORRFOrrstown Financial Services Inc | B | B | C | $36.71 |
| BNSBank of Nova Scotia | C | C | B | $78.61 |
| BKBank of New York Mellon Corporation | D | B | A | $137.16 |
| ITUBItau Unibanco Holding S.A. American Depositary Shares | B | D | F | $7.79 |
| DBDeutsche Bank Aktiengesellschaft | B | B | F | $32.19 |
| FITBIFifth Third Bancorp Depositary Shares | D | C | C | $25.71 |
| FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | D | C | C | $26.26 |
| FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | D | C | C | $18.52 |
| FITBFifth Third Bancorp | D | C | C | $48.56 |
| STTState Street Corporation | C | C | A | $159.79 |
| BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | B | C | F | $3.47 |
About
Orrstown Financial Services is a community bank holding company offering comprehensive deposit services, commercial and consumer lending, and wealth management solutions. The company provides checking, savings, and money market accounts alongside commercial mortgages, construction loans, and municipal lending. Through its Financial Advisors division, it offers investment and brokerage services to clients. Revenue is generated from deposit account fees, overdraft services, and wealth management and investment advisory fees.