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ORRFOrrstown Financial Services, Inc.
$40.39$794M
Overview & Verdict
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ORRF logoOrrstown Financial Services, Inc.(ORRF)Earnings, Financials & Key Ratios

ORRF•NASDAQ•Banking & Credit
$40.39
9.7× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutOrrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits. It 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 comprising 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. In addition, the company provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as provides other fiduciary services under the Orrstown Financial Advisors name; and offers retail brokerage services through a third-party broker/dealer arrangement. Further, it offers investment advisory, insurance, and brokerage services. The company operates through offices in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York counties, Pennsylvania; and Anne Arundel, Baltimore, Howard, and Washington counties, Maryland, as well as Baltimore City, Maryland. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania.Show more
  • Net Interest Income$200M+28.7%
  • Total Revenue$354M+24.6%
  • Net Income$81M+266.7%
  • Return on Equity14.59%+158.7%
  • Net Interest Margin3.6%+26.3%
  • Efficiency Ratio41.61%-19.1%
  • ROA1.47%+184.0%
  • Equity / Assets10.67%+12.4%
  • Book Value per Share35.30+1.9%

ORRF Price & Volume

Orrstown Financial Services, Inc. (ORRF) stock price & volume — 10-year historical chart

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Post-Merger Scale Drives Operational Efficiency Gains

Investment Thesis • Updated 2026Q1

VerdictPositive
Growth:Expanding
Profitability:Strong
Financial:Healthy
Cash Flow:Improving
Primary Risk:CRE Concentration and Integration

Key Thesis Takeaways

  • Orrstown Financial Services has successfully transitioned from a period of integration-related volatility to a scalable regional banking platform, evidenced by total assets growing to $5.6 billion as of 2026Q1.
  • The bank's strategic focus on wealth management and trust services, which now accounts for 17.3% of total revenue, provides a stabilizing earnings stream that offsets cyclical interest rate pressures.
  • While the bank has demonstrated strong capital adequacy with an equity-to-assets ratio of 0.11, investors should monitor potential concentration risks within the expanded commercial real estate portfolio as the bank matures its post-merger footprint.

Verdict Logic

the bank's valuation at a 0.84 PEG ratio and a 3.0% dividend yield suggests an attractive entry point for investors seeking growth from successful merger integration and improved operational scale.

ORRF Growth Metrics

Orrstown Financial Services, Inc. (ORRF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years20.03%
5 Years22.77%
3 Years38.11%
TTM-

Profit CAGR

10 Years26.23%
5 Years25.03%
3 Years54.24%
TTM168.02%

EPS CAGR

10 Years15.73%
5 Years11.74%
3 Years26.6%
TTM131.63%

Return on Capital

10 Years6.83%
5 Years7.21%
3 Years5.95%
Last Year3.78%

ORRF Recent Earnings

Orrstown Financial Services, Inc. (ORRF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (100%)●Beat Revenue 9/12 qtrs (100%)
Q2 2026Latest
Apr 21, 2026
Metric
Actual
Est
EPS
$1.12+6.7%
$1.05
Rev
$65M+2.8%
$63M
Q2 2026
Mar 12, 2026
Metric
Actual
Est
EPS
$1.28
—
Rev
$91M
—
Q1 2026
Jan 27, 2026
Metric
Actual
Est
EPS
$1.11+2.8%
$1.08
Rev
$65M+1.5%
$64M
Q4 2025
Oct 21, 2025
Metric
Actual
Est
EPS
$1.13+6.6%
$1.06
Rev
$63M+23.2%
$52M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$1.12vs $1.05+6.7%
$65Mvs $63M+2.8%
Q2 2026Mar 12, 2026
$1.28
$91M
Q1 2026Jan 27, 2026
$1.11vs $1.08+2.8%
$65Mvs $64M+1.5%
Q4 2025Oct 21, 2025
$1.13vs $1.06+6.6%
$63Mvs $52M+23.2%
Based on last 12 quarters of dataView full earnings history →

Latest ORRF News

Recent stock market news and headlines for Orrstown Financial Services, Inc. (ORRF)

Zacks Investment Research·6 days ago
Orrstown Financial Services Inc (ORRF) Hit a 52 Week High, Can the Run Continue?

Orrstown (ORRF) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.

Zacks Investment Research·Jun 30, 2026
Why Orrstown Financial Services (ORRF) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown (ORRF) have what it takes?

Peers Comparison

Key metrics vs top competitors for Orrstown Financial Services, Inc. (ORRF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ORRF logoORRFOrrstown Financial Services, Inc.Current
$40.39$793.57M9.6624.56%22.85%14.59%3.05%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.29$224.61M15.95-9.41%16.49%8%—
FXNC logoFXNCFirst National Corporation
$29.30$264.9M14.9527.11%18.05%11.51%—
MNSB logoMNSBMainStreet Bancshares, Inc.
$24.06$171.21M13.67-1.44%12.96%7.98%—
NKSH logoNKSHNational Bankshares, Inc.
$36.20$230.54M14.547.88%20.41%9.76%—
FUNC logoFUNCFirst United Corporation
$43.96$283.4M11.666.6%20.89%12.7%—

Compare ORRF vs Peers

Orrstown Financial Services, Inc. (ORRF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for ORRF.

Scale Benchmark

vs NTRS

Larger-name benchmark to compare ORRF against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, FXNC, MNSB, NKSH

ORRF SEC Filings & Documents

Orrstown Financial Services, Inc. (ORRF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 29, 2026·SEC

Material company update

May 6, 2026·SEC

Material company update

May 5, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 31, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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ORRF Frequently Asked Questions

Orrstown Financial Services, Inc. (ORRF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Orrstown Financial Services, Inc. growing?

Orrstown Financial Services, Inc. (ORRF) grew revenue by 24.6% over the past year. This is strong growth.

Is ORRF profitable?

Yes, Orrstown Financial Services, Inc. (ORRF) is profitable, generating $84.6M in net income for fiscal year 2025 (22.8% net margin).

Dividend & Returns
Does ORRF pay dividends?

Yes, Orrstown Financial Services, Inc. (ORRF) pays a dividend with a yield of 3.05%. This makes it attractive for income-focused investors.

What is ORRF's return on equity?

Orrstown Financial Services, Inc. (ORRF) has a return on equity (ROE) of 14.6%. This is reasonable for most industries.

Industry Metrics
What is Orrstown Financial Services, Inc.'s net interest margin?

Orrstown Financial Services, Inc. (ORRF) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

What is Orrstown Financial Services, Inc.'s efficiency ratio?

Orrstown Financial Services, Inc. (ORRF) has an efficiency ratio of 41.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in ORRF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →