ORRF logo

ORRSTOWN FINL SERVICES INC

ORRFNASDAQ
πŸ† #2639 by market capEarnings Oct 27US Equity
$40.93β–Ό $0.53 (βˆ’1.30%)
Market closed Β· at close
πŸ””
Track ORRF
Get earnings, price moves & breaking news on Telegram
Track
24hβ–Ό 1.3%
7dβ–Ό 0.4%
14dβ–Ό 2.5%
30dβ–Ό 1.8%
ytdβ–² 15.6%
1yβ–² 20.5%
🏦Market Cap
$804M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+24.6%
Healthy
πŸ“ŠGross Margin
71.0%
High
πŸ’΅FCF Margin
23.9%
Strong
βš–οΈP/S Ratio
2.2x
Cheap
Otter Score
76
Good

Trading Snapshot

Day Range
$40.70 – $41.49
52-Week Range
$31.87 – $43.81
Volume
$3.52B
Avg Volume
$2.61B
Shares Outstanding
19.6M
Next Earnings
Nov 3, 2026

Fundamentals Snapshot

Annual Revenue
$354M
Last Q Revenue
$89M
P/E Ratio
8.7
P/S Ratio
2.2x
EPS (TTM)
$4.47
Dividend Yield
2.88%
Dilution (1yr)
βˆ’13.2%

Why Investors Own ORRF

  • βœ“High-growth profile β€” revenue up +24.2% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 75% gross margin and 13% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

ORRF logo

ORRSTOWN FINL SERVICES INC

ORRF
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$354Mβ–² +24.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
70.6%β–² +15.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$103Mβ–² +269.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$70Mβ–² +111.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
16.8Mβ–Ό βˆ’13.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$294Mβ–Ό βˆ’$333M YoY
StockOtter Β· stockotter.space

About ORRSTOWN FINL SERVICES INC

Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles like trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor. It also facilitates retail brokerage services through a collaborative arrangement with an external broker/dealer, and provides direct investment advisory and insurance services. Established in 1919, Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania. Its operational footprint spans multiple counties in Pennsylvania (Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (Anne Arundel, Baltimore, Howard, and Washington, alongside Baltimore City).

🦦

Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$47.80
β–² +16.8% Upside
High Target$55.76
Low Target$41.68
Based on 22 analysts

Latest News & Updates