Orrstown Financial Services Inc (ORRF) Stock Price

ORRFStock

$41.96+20.51%52W

Market Cap$825.34M

P/E10.55x

PEG Ratio0.85

Div yield3.39%

Beta0.68

ORRF Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)4.14%

Price vs S&P 500 (4W)-5.52%

PEG Ratio0.85

VGM Score65.39

P/E Ratio (Annual)10.55x

Indicated Dividend Yield (Annual)3.39%

P/CF (Annual)11.41x

Book Value / Share (Quarterly)$31.60

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)5.64%

Net Profit Margin (TTM)28.57%

EPS (TTM)$4.45

10-Day Avg Trading Volume0.09M

EPS Excl Extra (TTM)$4.45

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)9.88x

Revenue Growth QoQ (YoY)41.11%

EPS Growth (5Y)11.64%

P/E Normalized (Annual)10.55x

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 Ratio1.37x

P/B Ratio (Quarterly)1.29x

Net Income / Employee (Annual)$129,000

ROA (TTM)1.56%

EPS Growth QoQ (YoY)8.28%

EV / EBITDA (TTM)6.36x

EPS Incl Extra (Annual)$4.18

3-Month Avg Trading Volume0.13M

52-Week Price Return20.51%

EV / Free Cash Flow (Annual)12.32x

P/E Incl Extra (TTM)9.88x

Tangible BV / Share (Quarterly)$29.90

P/S Ratio (Annual)1.98x

52-Week High$43.81

EPS Excl Extra (Annual)$4.18

CapEx CAGR (5Y)26.64%

Tangible BV CAGR (5Y)18.11%

26-Week Price Return16.07%

13-Week Price Return13.01%

Total Debt / Equity (Annual)0.10x

Enterprise Value$868.42M

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 Dev22.35%

Net Income / Employee (TTM)$137,700

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)9.80x

EV / Free Cash Flow (TTM)9.98x

Total Debt / Equity (Quarterly)0.03x

EPS Incl Extra (TTM)$4.45

ROI (TTM)13.32%

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/E9.78x

Free OCF CAGR (5Y)19.55%

Price vs S&P 500 (52W)1.95%

P/E Ratio (TTM)9.88x

EPS Growth TTM (YoY)99.27%

Year-to-Date Return18.46%

5-Day Price Return-0.26%

EPS Normalized (Annual)$4.18

ROA (5Y Avg)0.99%

Net Profit Margin (Annual)17.41%

Month-to-Date Return-1.80%

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)9.55x

ROI (5Y Avg)9.12%

P/E Excl Extra (TTM)9.88x

LT Debt / Equity (Quarterly)0.01x

EPS Basic Excl Extra (TTM)$4.45

P/TBV (Quarterly)1.36x

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)11.05%

Net Margin Growth (5Y)0.69%

Dividend Yield (TTM)2.52%

Beta0.68x

P/FCF (Annual)12.10x

Revenue / Share (TTM)$12.59

ROE (TTM)14.46%

52-Week Low$31.87

vGradeB

gGradeB

mGradeB

vgmGradeB

ORRF Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 21, 2026	$1.03	$1.09	+6.24%(+$0.06)
Q1 2026	Apr 21, 2026	$1.01	$1.12	+11.26%(+$0.11)
Q4 2025	Jan 27, 2026	$1.06	$1.11	+4.52%(+$0.05)
Q3 2025	Oct 21, 2025	$1.05	$1.13	+7.62%(+$0.08)
Q2 2025	Jul 22, 2025	$0.98	$1.04	+6.34%(+$0.06)

ORRF Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

4.11

4.00

3.91

Industry Peers — State Banks(189)

Symbol	Value Score	Growth Score	Momentum Score	Price
ORRFOrrstown Financial Services Inc	B	B	B	$41.96
BNSBank of Nova Scotia	C	C	A	$92.39
BNYBank of New York Mellon Corporation	F	B	A	$162.50
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	D	$7.50
DBDeutsche Bank Aktiengesellschaft	A	C	B	$40.36
STTState Street Corporation	C	B	A	$193.33
XLFState Street Financial Select Sector SPDR ETF	—	—	C	$58.10
FITBFifth Third Bancorp	D	C	C	$54.54
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	D	$3.25
MTBM&T Bank Corp.	C	B	C	$237.29
NTRSNorthern Trust Corp	D	C	B	$186.79
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	A	D	D	$3.03
CFGCitizens Financial Group, Inc.	C	C	B	$69.71
FCNCAFirst Citizens BancShares Inc	C	B	C	$2194.07
EWBCEast-West Bancorp Inc	C	B	C	$129.44
ALLYAlly Financial Inc.	A	C	D	$42.18
BPOPPopular Inc	C	C	B	$169.75
WTFCWintrust Financial Corp	B	B	D	$152.95
SSBSouthState Bank Corporation	C	B	C	$105.98
PBProsperity Bancshares Inc	D	D	D	$72.30
WALWestern Alliance Bancorporation	B	B	D	$78.53
COLBColumbia Banking Systems Inc	B	C	D	$30.07
CBSHCommerce Bancshares Inc	C	D	D	$58.04
CBCCentral Bancompany, Inc. Class A Common Stock	D	C	A	$32.60
UBSIUnited Bankshares Inc	C	C	C	$47.60
GBCIGlacier Bancorp Inc	D	C	D	$46.88
HWCHancock Whitney Corporation Common Stock	C	C	C	$75.07
HOMBHome BancShares, Inc.	C	D	D	$29.62
ASBAssociated Banc-Corp	B	C	C	$30.92
AUBAtlantic Union Bankshares Corporation	C	B	D	$40.66
ABCBAmeris Bancorp	D	C	D	$85.59
FFINFirst Financial Bankshares Inc	D	D	F	$33.39
SFBSServisFirst Bancshares Inc.	D	B	D	$43.20
IBOCInternational Bancshares Corp	C	C	F	$70.93
TCBITexas Capital Bancshares, Inc.	C	C	D	$98.64
FBPFirst BanCorp.	C	C	B	$28.01
UCBUnited Community Banks, Inc.	B	B	D	$35.18
CATYCathay General Bancorp	C	C	C	$61.87
CVBFCVB Financial Corp	D	D	D	$22.19
INDBIndependent Bank Corp/MA	C	C	D	$82.06
RNSTRenasant Corporation	C	B	D	$41.09
FIBKFirst Interstate BancSystem, Inc. Common Stock (DE)	B	B	D	$37.04
MCHBMechanics Bancorp Class A Common Stock	D	C	C	$15.89
SBCFSeacoast Banking Corp of Florida	D	B	C	$34.37
FHBFirst Hawaiian, Inc. Common Stock	B	D	F	$25.79
BOHBank of Hawaii Corp.	C	C	D	$77.29
FBKFB Financial Corporation	D	B	D	$57.85
CUBICUSTOMERS BANCORP INC	B	B	D	$78.58
FBNCFirst Bancorp/NC	D	C	C	$63.99
BUSEFirst Busey Corporation Class A Common Stock	B	C	B	$30.29
SYBTStock Yards Bancorp, Inc.	D	C	C	$79.84

About Orrstown Financial Services Inc

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.