ORRF Stock Overview
Operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 3/6 |
| Past Performance | 1/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
Community vs My Fair Value
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Leadership And Risk Management Will Unlock New Loan Opportunities
Orrstown Financial Services, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$30.44 |
| 52 Week High | US$41.99 |
| 52 Week Low | US$24.91 |
| Beta | 0.76 |
| 1 Month Change | 16.36% |
| 3 Month Change | -10.73% |
| 1 Year Change | 14.22% |
| 3 Year Change | 29.04% |
| 5 Year Change | 144.11% |
| Change since IPO | 253.56% |
Recent News & Updates
Leadership And Risk Management Will Unlock New Loan Opportunities
Apr 27 Completion of core conversion and leadership enhancements are set to boost growth, expand capacity, and drive future earnings.Orrstown Financial: Downgrading And Revising Downward The Earnings Estimate Because Of Uncertain Policies
Apr 17Recent updates
Leadership And Risk Management Will Unlock New Loan Opportunities
Apr 27 Completion of core conversion and leadership enhancements are set to boost growth, expand capacity, and drive future earnings.Orrstown Financial: Downgrading And Revising Downward The Earnings Estimate Because Of Uncertain Policies
Apr 17Orrstown Financial Services (NASDAQ:ORRF) Will Pay A Larger Dividend Than Last Year At $0.26
Feb 04
Orrstown Financial Services: Expecting Decent Earnings Growth After The Merger Of Equals
Jan 13Orrstown Financial Services (NASDAQ:ORRF) Will Pay A Dividend Of $0.20
May 03Shareholders May Be More Conservative With Orrstown Financial Services, Inc.'s (NASDAQ:ORRF) CEO Compensation For Now
Apr 24Analysts Are More Bearish On Orrstown Financial Services, Inc. (NASDAQ:ORRF) Than They Used To Be
Jan 26Industry Analysts Just Made A Substantial Upgrade To Their Orrstown Financial Services, Inc. (NASDAQ:ORRF) Revenue Forecasts
Jul 28Orrstown Financial Non-GAAP EPS of $0.75 misses by $0.05, revenue of $31.51M beats by $3.31M
Oct 18Orrstown Financial announces strategic initiatives, expects ~$3.4M annual cost savings
Sep 28Orrstown Financial goes ex-dividend tomorrow
Jul 28Orrstown Financial GAAP EPS of $0.83 beats by $0.17, revenue of $31.31M beats by $9.38M
Jul 19Orrstown Financial: Attractively Valued With Prospects Of Good Balance Sheet Growth
Mar 20Shareholder Returns
| ORRF | US Banks | US Market | |
|---|---|---|---|
| 7D | 0.3% | 0.4% | -0.3% |
| 1Y | 14.2% | 15.2% | 8.1% |
Return vs Industry: ORRF matched the US Banks industry which returned 15.2% over the past year.
Return vs Market: ORRF exceeded the US Market which returned 8.1% over the past year.
Price Volatility
| ORRF volatility | |
|---|---|
| ORRF Average Weekly Movement | 4.2% |
| Banks Industry Average Movement | 4.7% |
| Market Average Movement | 8.0% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 4.2% |
Stable Share Price: ORRF has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: ORRF's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1919 | 619 | Tom Quinn | www.orrstown.com |
Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans.
Orrstown Financial Services, Inc. Fundamentals Summary
| ORRF fundamental statistics | |
|---|---|
| Market cap | US$593.87m |
| Earnings (TTM) | US$31.57m |
| Revenue (TTM) | US$203.87m |
18.8x
P/E Ratio1.1x
P/B RatioIs ORRF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ORRF income statement (TTM) | |
|---|---|
| Revenue | US$203.87m |
| Cost of Revenue | US$0 |
| Gross Profit | US$203.87m |
| Other Expenses | US$172.30m |
| Earnings | US$31.57m |
Last Reported Earnings
Mar 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.62 |
| Gross Margin | 100.00% |
| Net Profit Margin | 15.49% |
| Debt/Equity Ratio | 36.1% |
How did ORRF perform over the long term?
See historical performance and comparisonDividends
3.4%
Current Dividend Yield49%
Payout RatioDoes ORRF pay a reliable dividends?
See ORRF dividend history and benchmarks| Orrstown Financial Services dividend dates | |
|---|---|
| Ex Dividend Date | May 06 2025 |
| Dividend Pay Date | May 13 2025 |
| Days until Ex dividend | 6 days |
| Days until Dividend pay date | 1 day |
Does ORRF pay a reliable dividends?
See ORRF dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/05/11 15:36 |
| End of Day Share Price | 2025/05/09 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Orrstown Financial Services, Inc. is covered by 7 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| James Beury | Boenning & Scattergood, Inc. |
| David Bishop | Hovde Group, LLC |
| Daniel Cardenas | Janney Montgomery Scott LLC |