ORRF Stock Analysis: Orrstown Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 813m USD | 12M Return: 28.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.68M
EPS Trend: 94.0%
Qual. Beats: 0
Rev. Trend: 96.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Orrstown Financial Services, Inc. (NASDAQ: ORRF) is the holding company for Orrstown Bank, a regional bank headquartered in Harrisburg, Pennsylvania, founded in 1919. The company operates as a community-oriented financial institution providing commercial banking and financial advisory services to retail, commercial, non-profit, and government clients across the United States.
Its core business activities include accepting a full suite of deposit products-checking, savings, time, demand, money market, and certificates of deposit-and originating a diversified loan portfolio spanning commercial real estate, equipment, construction, working capital, industrial, consumer, residential mortgage, agricultural, acquisition and development, municipal, and installment loans. This broad loan mix is typical of regional banks, which tend to serve as primary lenders within their local markets and rely on relationship-based banking rather than the national scale of money-center banks.
In addition to traditional banking, Orrstown offers wealth management and fiduciary services-including trust, estate, and investment advisory work-under the Orrstown Financial Advisors brand, along with retail brokerage delivered through a third-party broker/dealer arrangement. The combination of community banking and wealth management is a common dual-engine strategy among U.S. regional banks, where fee-based advisory income helps diversify revenue beyond net interest income.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio raises credit concerns
- Wealth management fee income growth offsets margin pressure
| Net Income: 84.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.00 > 1.0 |
| NWC/Revenue: -1.08k% < 20% (prev -1.15k%; Δ 69.49% < -1%) |
| CFO/TA 0.02 > 3% & CFO 89.3m > Net Income 84.6m |
| Net Debt (-413.4m) to EBITDA (120.7m): -3.42 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last fiscal year (16.8m) vs prev 12.36% < -2% |
| Gross Margin: 71.06% > 18% (prev 62.58%; Δ 8.49% > 0.5%) |
| Asset Turnover: 6.50% > 50% (prev 5.97%; Δ 0.53% > 0%) |
| Interest Coverage Ratio: 1.05 > 6 (EBIT TTM 107.5m / Interest Expense TTM 102.5m) |
| A: -0.69 (Total Current Assets 1.03b - Total Current Liabilities 4.90b) / Total Assets 5.61b |
| B: 0.04 (Retained Earnings 218.0m / Total Assets 5.61b) |
| C: 0.02 (EBIT TTM 107.5m / Avg Total Assets 5.50b) |
| D: 0.12 (Book Value of Equity 621.6m / Total Liabilities 4.99b) |
| Altman-Z'' = -4.14 = D |
| DSRI: 0.89 (Receivables 19.8m/20.0m, Revenue 357.3m/321.6m) |
| GMI: 0.88 (GM 62.58% / 71.06%) |
| AQI: 0.97 (AQ_t 0.81 / AQ_t-1 0.84) |
| SGI: 1.11 (Revenue 357.3m / 321.6m) |
| TATA: -0.00 (NI 84.6m - CFO 89.3m) / TA 5.61b) |
| Beneish M = -3.16 (Cap -4..+1) = AA |
As of July 28, 2026, the stock is trading at USD 42.56 with a total of 110,360 shares traded. Over the past week, the price has changed by +3.28%, over one month by +4.49%, over three months by +15.45% and over the past year by +28.16%.
Current recommended Stop Loss: 41.00 (which is 3.7% or 1.2 ATR below the current price).
Orrstown Financial has received a consensus analysts rating of 4.40. Therefore, it is recommended to buy ORRF.
- StrongBuy: 2
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 42.3 | -0.7% |
P/E Trailing = 9.4452
P/E Forward = 8.8889
P/S = 3.1828
P/B = 1.344
Revenue TTM = 357.3m USD
EBIT TTM = 107.5m USD
EBITDA TTM = 120.7m USD
Long Term Debt = 311.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 282.4m USD (from shortTermDebt, last quarter)
Debt = 594.2m USD (corrected: LT Debt 311.8m + ST Debt 282.4m)
Net Debt = -413.4m USD (calculated: Debt 594.2m - CCE 1.01b)
Enterprise Value = 399.4m USD (812.8m + Debt 594.2m - CCE 1.01b)
Interest Coverage Ratio = 1.05 (Ebit TTM 107.5m / Interest Expense TTM 102.5m)
EV/FCF = 4.59x (Enterprise Value 399.4m / FCF TTM 87.0m)
FCF Yield = 21.78% (FCF TTM 87.0m / Enterprise Value 399.4m)
FCF Margin = 24.34% (FCF TTM 87.0m / Revenue TTM 357.3m)
Net Margin = 23.68% (Net Income TTM 84.6m / Revenue TTM 357.3m)
Gross Margin = 71.06% ((Revenue TTM 357.3m - Cost of Revenue TTM 103.4m) / Revenue TTM)
Gross Margin QoQ = 71.41% (prev 71.62%)
Tobins Q-Ratio = 0.07 (Enterprise Value 399.4m / Total Assets 5.61b)
Interest Expense / Debt = 17.26% (Interest Expense 102.5m / Debt 594.2m)
Taxrate = 21.20% (22.8m / 107.4m)
NOPAT = 84.7m (EBIT 107.5m * (1 - 21.20%))
Current Ratio = 0.21 (Total Current Assets 1.03b / Total Current Liabilities 4.90b)
Debt / Equity = 0.96 (Debt 594.2m / totalStockholderEquity, last quarter 621.6m)
Debt / EBITDA = -3.42 (Net Debt -413.4m / EBITDA 120.7m)
Debt / FCF = -4.75 (Net Debt -413.4m / FCF TTM 87.0m)
Total Stockholder Equity = 597.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.54% (Net Income 84.6m / Total Assets 5.61b)
RoE = 14.17% (Net Income TTM 84.6m / Total Stockholder Equity 597.1m)
RoCE = 11.82% (EBIT 107.5m / Capital Employed (Equity 597.1m + L.T.Debt 311.8m))
RoIC = 8.69% (NOPAT 84.7m / Invested Capital 974.3m)
WACC = 10.69% (E(812.8m)/V(1.41b) * Re(8.57%) + D(594.2m)/V(1.41b) * Rd(17.26%) * (1-Tc(0.21)))
Discount Rate = 8.57% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 74.47 | Cagr: 31.85%
[DCF] Terminal Value 70.78% ; FCFF base≈63.9m ; Y1≈73.3m ; Y5≈107.9m
[DCF] Fair Price = 79.44 (EV 1.15b - Net Debt -413.4m = Equity 1.56b / Shares 19.6m; r=10.69% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 93.99 | EPS CAGR: 10.18% | SUE: 0.60 | # QB: 0
Revenue Correlation: 96.36 | Revenue CAGR: 43.99% | SUE: 0.79 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.07 | Chg30d=+0.71% | Revisions=+25% | Analysts=4
EPS current Year (2026-12-31): EPS=4.23 | Chg30d=-0.15% | Revisions=+25% | GrowthEPS=-1.3% | GrowthRev=+28.2%
EPS next Year (2027-12-31): EPS=4.31 | Chg30d=+0.41% | Revisions=+25% | GrowthEPS=+2.0% | GrowthRev=-12.2%
[Analyst] Revisions Ratio: +50% (up=3, down=0)