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    O

    Orrstown Financial Services Inc (ORRF)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $41.49
    +0.42 (+1.02%)

    Market Cap: $807.83M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    85%(33/39)
    Avg Surprise
    +13.93%
    Streak
    6 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.10
    Range$1.08 - $1.11
    5 analysts
    EPS Revisions
    4
    0
    7d
    4
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.06+3.3%
    60d ago$1.10+0.2%
    30d ago$1.09+0.3%
    7d ago$1.100.0%
    Current$1.10
    Revenue Consensus
    $53M
    Range$52M - $53M
    5 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.19
    Range$1.11 - $1.29
    4 analysts
    Revenue Consensus
    $51M
    Range$49M - $52M
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.19---
    Sep 26EST
    		-$1.10---
    Jun 26
    Reported Jul 21
    		$1.09$1.03+5.83%Beat+4.8%
    Mar 26
    Reported Apr 21
    		$1.12$1.01+10.89%Beat+12.0%
    Dec 25
    Reported Jan 27
    		$1.11$1.06+4.72%Beat+27.6%
    Sep 25
    Reported Oct 21
    		$1.13$1.05+7.62%Beat+1.8%
    Jun 25
    Reported Jul 22
    		$1.04$0.98+6.12%Beat+25.3%
    Mar 25
    Reported Apr 22
    		$1.00$0.93+7.53%Beat+13.6%
    Dec 24
    Reported Mar 31
    		$0.87$1.03-15.53%Miss+4.8%
    Sep 24
    Reported Oct 22
    		$1.11$0.92+20.65%Beat+27.6%
    Jun 24
    Reported Jul 23
    		$0.83$0.73+13.70%Beat-11.7%
    Mar 24
    Reported Apr 23
    		$0.88$0.73+20.55%Beat+1.1%
    Dec 23
    Reported Mar 14
    		$0.83$0.80+3.75%Beat-8.8%
    Sep 23
    Reported Oct 24
    		$0.87$0.81+7.41%Beat+16.0%
    Jun 23
    Reported Jul 25
    		$0.94$0.79+18.99%Beat+13.3%
    Mar 23
    Reported Apr 25
    		$0.87$0.82+6.10%Beat+13.0%
    Dec 22
    Reported Mar 16
    		$0.91$0.81+12.35%Beat+56.9%
    Sep 22
    Reported Oct 18
    		$0.75$0.80-6.25%Miss+19.0%
    Jun 22
    Reported Jul 19
    		$0.83$0.65+27.69%Beat+5.1%
    Mar 22
    Reported Apr 19
    		$0.77$0.60+28.33%Beat-17.2%
    Dec 21
    Reported Mar 11
    		$0.58$0.65-10.77%Miss-41.4%
    Sep 21
    Reported Oct 19
    		$0.63$0.65-3.08%Miss+10.5%
    Jun 21
    Reported Jul 20
    		$0.79$0.78+1.28%Beat+83.7%
    Mar 21
    Reported Apr 20
    		$0.93$0.69+34.78%Beat+126.8%
    Dec 20
    Reported Mar 15
    		$0.99$0.56+76.79%Beat+125.0%
    Sep 20
    Reported Oct 20
    		$0.57$0.47+21.28%Beat+23.9%
    Jun 20
    Reported Jul 21
    		$0.43$0.31+38.71%Beat-14.0%
    Mar 20
    Reported Apr 21
    		$0.41$0.36+13.89%Beat+0.0%
    Dec 19
    Reported Mar 16
    		$0.44$0.44+0.00%Beat+22.2%
    Sep 19
    Reported Oct 23
    		$0.46$0.48-4.17%Miss-11.5%
    Jun 19
    Reported Jul 24
    		$0.50$0.47+6.38%Beat+4.2%
    Mar 19
    Reported Apr 24
    		$0.41$0.39+5.13%Beat-6.8%
    Dec 18
    Reported Mar 15
    		$0.36$0.46-21.74%Miss+12.5%
    Sep 18
    Reported Oct 17
    		$0.52$0.43+20.93%Beat+52.9%
    Jun 18
    Reported Jul 18
    		$0.48$0.39+23.08%Beat+20.0%
    Mar 18
    Reported Apr 18
    		$0.44$0.32+37.50%Beat+83.3%
    Dec 17
    Reported Mar 9
    		$0.32$0.22+45.45%Beat+33.3%
    Sep 17
    Reported Oct 25
    		$0.34$0.34+0.00%Beat-
    Jun 17
    Reported Jul 26
    		$0.40$0.26+53.85%Beat-
    Mar 17
    Reported Apr 27
    		$0.24$0.21+14.29%Beat-
    Dec 16
    Reported Mar 13
    		$0.24$0.22+9.09%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.89%
    Forward Annual Dividend$1.20
    Payout Ratio26.66%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+11.73%
    5Y CAGR+9.28%
    ORRF dividend history and ex-dividend datesRun ORRF in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio9.32EV/EBITDA10.30x
    Price/FCF9.52xFCF Yield10.50%
    Profitability
    Profit Margin33.80%Operating Margin44.10%
    ROE14.80%ROIC9.54%
    Financial Health
    Debt/Equity0.45xInterest Coverage1.04x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.68Avg Volume104.15K
    52-Week High$43.7352-Week Low$30.90

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$41.26
    SMA 20$41.34
    SMA 50$41.98
    SMA 200$38.51
    EMA 10$41.26
    EMA 20$41.40
    EMA 50$41.49
    EMA 200$38.86

    MACD

    Line: -0.20Signal: -0.23Hist: 0.03

    ADX

    ADX: 13.7+DI: 21.2-DI: 21.2

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down60.0
    PSAR$40.19

    Bollinger Bands

    Upper Band$42.16
    Lower Band$40.52
    %B Position397%(Upper)
    Band Width0.59

    RSI (14-Day)

    Neutral
    50.0

    Momentum Oscillators

    Stoch %K60.2
    Stoch %D56.7
    Williams %R-29.1
    ROC (10d)1.1%
    Momentum0.46
    CCI (20d)34.9
    MFI (14d)34.6

    Volatility Measures

    ATR (14d)$0.90(2.2%)
    StdDev (20d)0.41
    Hist Vol16.8%(Low)

    Volume Flow

    VWAP$41.52
    OBV9.2M
    AD Line-64.4M
    CMF (20d)-0.047

    Volume Metrics

    Avg Vol (20d)106.8K
    Vol Ratio0.9x
    VWMA (20d)$41.43

    Pivot Points

    R3$42.45
    R2$41.90
    R1$41.48
    Pivot Point$40.93
    S1$40.52
    S2$39.97
    S3$39.55

    Advanced Oscillators

    TSI-7.84
    Ultimate Osc53.6
    KST-21.63

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$62.67M$64.58M$64.92M$64.37M$62.43M$60.38M$61.82M$64.08M$33.27M$33.51M$32.51M$32.14M
    Cost of RevenueN/A$25.71M$25.73M$26.53M$25.43M$26.20M$31.20M$44.97M$17.99M$16.07M$14.43M$12.61M
    Gross ProfitN/A$64.23M$64.92M$63.08M$61.70M$60.26M$59.26M$49.62M$32.12M$32.86M$31.76M$31.69M
    Operating Expenses$37.67M$36.73M$37.35M$36.30M$37.61M$38.18M$42.93M$60.30M$22.64M$22.47M$22.39M$20.45M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$27.50M$27.57M$27.68M$24.70M$22.76M$17.14M$-9,897,000$9.82M$10.74M$9.70M$11.56M
    Interest Income$74.70M$74.36M$76.26M$77.12M$74.83M$75.52M$80.02M$82.99M$43.28M$42.65M$40.03M$38.69M
    Interest Expense$25.87M$25.36M$25.73M$26.13M$25.32M$26.76M$29.44M$31.29M$17.18M$15.77M$14.01M$12.47M
    Income Before Tax$24.66M$27.50M$27.49M$27.68M$24.70M$22.76M$17.14M$-9,897,000$9.82M$10.74M$9.70M$11.56M
    Income Tax Expense$3.50M$5.69M$6.00M$5.81M$5.26M$4.71M$3.45M$-1,994,000$2.09M$2.21M$2.06M$2.54M
    Net Income$21.16M$21.81M$21.49M$21.86M$19.45M$18.05M$13.68M$-7,903,000$7.74M$8.53M$7.64M$9.03M
    EBITDA$24.28M$25.59M$25.35M$25.75M$23.50M$19.91M$14.04M$-12,602,000$11.27M$12.27M$11.35M$13.20M
    EBIT$24.66M$27.50M$27.49M$27.68M$24.70M$22.76M$17.14M$-9,897,000$9.82M$10.74M$9.70M$11.56M
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

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    News

    DIMENSIONAL FUND ADVISORS LP Adds Orrstown Financial Services In

    Dimensional Fund Advisors LP increased its stake in Orrstown Financial Services Inc (ORRF) by adding 46,603 shares, bringing its total holdings to over 1 million shares. Despite this systematic addition...

    GuruFocus•10/15/26•Somewhat-Bearish

    Across 125 entries, Orrstown Financial (ORRF) reports investment holdings valued at $667M.

    Orrstown Financial Services Inc. (ORRF) has reported its investment holdings in a Form 13F-HR filing, totaling $666,991,383 across 125 information-table entries. The report indicates no other included managers....

    Stock Titan•10/14/26•Neutral

    (ORRF) Price Dynamics and Execution-Aware Positioning

    This article analyzes Orrstown Financial Services Inc (NASDAQ: ORRF), indicating neutral near and mid-term readings but a long-term positive bias. It highlights a significant 22.7:1 risk-reward setup targeting a 6.3%...

    Stock Traders Daily•10/13/26•Neutral

    ORRF Q3'26 Earnings: revenue estimate is 66.20M USD

    Orrstown Financial Services, Inc. (ORRF) is scheduled to release its Q3'26 earnings on October 20, after market close...

    TradingView•10/13/26•Somewhat-Bullish

    Orrstown Financial Services, Inc. (ORRF) Stock Price, News, Quote & History

    Orrstown Financial Services, Inc. (ORRF) closed at $40.90, down 1.16% on October 9th. The company, a regional bank...

    Yahoo! Finance Canada•10/9/26•Bullish

    ORRF Valuation and Fair Value

    P/E
    9.3x
    Forward P/E
    8.9x
    EV/EBITDA
    10.3x
    P/FCF
    9.5x
    PEG
    0.0x
    P/B
    1.3x
    See GNG's fair value

    ORRF Profitability: Margins, ROIC and FCF

    Operating margin
    44.1%
    Net margin
    33.8%
    ROIC
    9.5%
    ROE
    14.8%
    FCF margin
    33.4%
    FCF yield
    10.5%

    ORRF Competitors

    CompanyTicker
    Virtus Investment Partners, Inc.VRTS
    South Plains Financial IncSPFI
    Kayne Anderson BDC, Inc.KBDC
    GCM Grosvenor IncGCMG
    World Acceptance CorporationWRLD
    B. Riley Financial, Inc. 6.50% Senior Notes Due 2026RILYN
    Heritage Commerce CorpHTBK
    Southern Missouri Bancorp IncSMBC

    Sector: Financial Services

    ORRF Analyst Ratings

    Consensus
    Buy
    Analysts
    5
    Strong Buy
    1
    Buy
    2
    Hold
    2
    Sell
    0
    Strong Sell
    0

    ORRF Bull Case vs Bear Case

    Bull case

    • ORRF converts 33.4% of revenue into free cash flow.
    • ORRF has a 33.8% net profit margin.
    • ORRF beat EPS estimates in 87.5% of its last 8 reported quarters.

    ORRF Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    6.0%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.10
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    4 up, 0 down

    ORRF Dividend

    Forward yield
    2.9%
    Payout ratio
    26.7%
    3Y DPS growth
    11.7%
    5Y DPS growth
    9.3%
    Pay months
    Feb, May, Aug, Nov
    ORRF dividend history

    Frequently Asked Questions About ORRF

    What is ORRF's current dividend yield?

    Orrstown Financial Services Inc (ORRF) has a forward dividend yield of 2.89%.

    Does ORRF pay dividends?

    Yes, Orrstown Financial Services Inc pays dividends with a forward dividend yield of 2.89%.

    What is ORRF's P/E ratio?

    Orrstown Financial Services Inc has a price-to-earnings (P/E) ratio of 9.32.

    What is ORRF's market cap?

    Orrstown Financial Services Inc (ORRF) has a market capitalization of $807.83M with a current stock price of $41.49.

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