ORRF Stock Analysis: Orrstown Financial | NASDAQ

Commercial Banking, Commercial Loans, Mortgage Lending, Wealth Management

Total Rating 43

Safety 41

Buy Signal -0.16

Banks - Regional
Industry Rotation: +6.1

Market Cap: 807M
Avg Turnover: 3.56M

Risk 3d forecast

Volatility30.7%

VaR 5^th Pctl4.20%

VaR vs Median-12.7%

Reward TTM

Sharpe Ratio0.83

Rel. Str. IBD67.8

Rel. Str. Peer Group56.3

Character TTM

Beta0.532

Beta Downside0.393

Hurst Exponent0.465

Drawdowns 3y

Max DD35.92%

CAGR/Max DD0.84

CAGR/Mean DD3.08

EPS (Earnings per Share)

EPS CAGR: 10.18%
EPS Trend: 94.0%

Last SUE: 0.60
Qual. Beats: 0

Revenue

Rev. CAGR: 39.87%
Rev. Trend: 94.2%

Last SUE: 0.78
Qual. Beats: 0

Warnings

Below Avwap Earnings

Tailwinds

Confidence

Seasonality 11.7 years of data

Jan -1.1% 18

Feb -1.1% 21

Mar -1.9% 39

Apr +0.7% 15

May +0.1% 10

Jun +5.0% 37

Jul +2.8% 43

Aug -0.7% 5

Sep -3.2% 31

Oct +1.9% 15

Nov +3.5% 30

Dec -0.3% 13

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.

Description: ORRF Orrstown Financial

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.

Headlines to Watch Out For

Net interest margin compresses as Fed cuts rates
Commercial real estate loan portfolio raises credit concerns
Wealth management fee income growth offsets margin pressure

Piotroski VR-10 (Strict) 4.0

Net Income: 86.3m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.66 > 1.0
NWC/Revenue: -1.08k% < 20% (prev -1.03k%; Δ -45.38% < -1%)
CFO/TA 0.02 > 3% & CFO 87.8m > Net Income 86.3m
Net Debt (-442.4m) to EBITDA (121.8m): -3.63 < 3
Current Ratio: 0.21 > 1.5 & < 3
Outstanding Shares: last quarter (19.4m) vs 12m ago 0.47% < -2%
Gross Margin: 70.96% > 18% (prev 64.37%; Δ 6.59% > 0.5%)
Asset Turnover: 6.52% > 50% (prev 6.66%; Δ -0.13% > 0%)
Interest Coverage Ratio: 1.04 > 6 (EBIT TTM 107.4m / Interest Expense TTM 103.1m)

Altman Z'' -4.14

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 107.4m / Avg Total Assets 5.50b)
D: 0.12 (Book Value of Equity 621.6m / Total Liabilities 4.99b)
Altman-Z'' = -4.14 = D

Beneish M -3.14

DSRI: 0.99 (Receivables 19.8m/20.0m, Revenue 358.7m/358.6m)
GMI: 0.91 (GM 64.37% / 70.96%)
AQI: 0.97 (AQ_t 0.81 / AQ_t-1 0.84)
SGI: 1.00 (Revenue 358.7m / 358.6m)
TATA: -0.00 (NI 86.3m - CFO 87.8m) / TA 5.61b)
Beneish M = -3.14 (Cap -4..+1) = AA

What is the price of ORRF shares?

As of September 27, 2026, the stock is trading at USD 41.77 with a total of 322,568 shares traded. Over the past week, the price has changed by -0.69%, over one month by -0.11%, over three months by +3.26% and over the past year by +24.55%.

Current recommended Stop Loss: 40.40 (which is 3.3% or 1.5 ATR below the current price).

Is ORRF a buy, sell or hold?

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

What are the forecasts/targets for the ORRF price?

Analysts Target Price	45.8	9.5%

Orrstown Financial (ORRF) - Fundamental Data Overview as of 25 September 2026

Market Cap USD = 807.2m (807.2m USD * 1.0 USD.USD)
P/E Trailing = 9.3273
P/E Forward = 8.8889
P/S = 3.1609
P/B = 1.3144
Revenue TTM = 358.7m USD
EBIT TTM = 107.4m USD
EBITDA TTM = 121.8m USD
Long Term Debt = 282.8m USD (from longTermDebt, last quarter)
Short Term Debt = 282.4m USD (from shortTermDebt, last quarter)
Debt = 565.2m USD (corrected: LT Debt 282.8m + ST Debt 282.4m)
Net Debt = -442.4m USD (calculated: Debt 565.2m - CCE 1.01b)
Enterprise Value = 364.8m USD (807.2m + Debt 565.2m - CCE 1.01b)
Interest Coverage Ratio = 1.04 (Ebit TTM 107.4m / Interest Expense TTM 103.1m)
EV/FCF = 4.26x (Enterprise Value 364.8m / FCF TTM 85.7m)
FCF Yield = 23.49% (FCF TTM 85.7m / Enterprise Value 364.8m)
FCF Margin = 23.89% (FCF TTM 85.7m / Revenue TTM 358.7m)
Net Margin = 24.06% (Net Income TTM 86.3m / Revenue TTM 358.7m)
Gross Margin = 70.96% ((Revenue TTM 358.7m - Cost of Revenue TTM 104.2m) / Revenue TTM)
Gross Margin QoQ = 70.40% (prev 71.41%)
Tobins Q-Ratio = 0.07 (Enterprise Value 364.8m / Total Assets 5.61b)
Interest Expense / Debt = 18.24% (Interest Expense 103.1m / Debt 565.2m)
Taxrate = 19.58% (21.0m / 107.3m)
NOPAT = 86.4m (EBIT 107.4m * (1 - 19.58%))
Current Ratio = 0.21 (Total Current Assets 1.03b / Total Current Liabilities 4.90b)
Debt / Equity = 0.91 (Debt 565.2m / totalStockholderEquity, last quarter 621.6m)
Debt / EBITDA = -3.63 (Net Debt -442.4m / EBITDA 121.8m)
Debt / FCF = -5.16 (Net Debt -442.4m / FCF TTM 85.7m)
Total Stockholder Equity = 597.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.57% (Net Income 86.3m / Total Assets 5.61b)
RoE = 14.46% (Net Income TTM 86.3m / Total Stockholder Equity 597.1m)
RoCE = 12.21% (EBIT 107.4m / Capital Employed (Equity 597.1m + L.T.Debt 282.8m))
RoIC = 8.87% (NOPAT 86.4m / Invested Capital 974.2m)
WACC = 10.66% (E(807.2m)/V(1.37b) * Re(7.85%) + D(565.2m)/V(1.37b) * Rd(18.24%) * (1-Tc(0.20)))
Discount Rate = 7.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 65.11 | Cagr: 31.57%
[DCF] Terminal Value 70.88% ; FCFF base≈70.1m ; Y1≈80.4m ; Y5≈118.3m
[DCF] Fair Price = 86.72 (EV 1.26b - Net Debt -442.4m = Equity 1.71b / Shares 19.7m; r=10.66% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 93.99 | EPS CAGR: 10.18% | SUE: 0.60 | # QB: 0
Revenue Correlation: 94.19 | Revenue CAGR: 39.87% | SUE: 0.78 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.10 | Chg30d=+0.18% | Revisions=+57% | Analysts=5
EPS current Year (2026-12-31): EPS=4.32 | Chg30d=+0.12% | Revisions=+25% | GrowthEPS=+0.9% | GrowthRev=+1.2%
EPS next Year (2027-12-31): EPS=4.40 | Chg30d=+0.27% | Revisions=+29% | GrowthEPS=+1.9% | GrowthRev=+5.0%
[Analyst] Revisions Ratio: +58% (up=8, down=1)