Financial Services
Orrstown Financial Services, Inc.(ORRF)
Live Price
Offline$39.03
+1.43% today
1Y Change
+22.55%
Window
Jun 25, 2025 โ Jun 17, 2026
- Market Cap
- $730.00M
- Revenue Growth
- +24.6%
- EPS Growth
- +194.0%
- Dividend Yield
- 3.0%
Coverage: 246 bars ยท Jun 25, 2025 โ Jun 17, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Orrstown Financial Services, Inc. (ORRF) is a Financial Services stock with a market cap of $730.00M and listed on NASDAQ. The stock last traded around $39.03 and up 22.5% across the available one-year price window (Jun 25, 2025 โ Jun 17, 2026). Baseline metrics include revenue growth of +24.6%, EPS growth of +194.0%, a dividend yield of 3.0%. What stands out right now is revenue +24.6%, EPS +194.0%, free cash flow +111.2% with operating margin 30.1% and ROIC 7.0%. The dividend matters to the case here, with a current yield around 3.0%. Valuation is more restrained than many high-expectation growth names at P/E 8.5 and price/sales 2.0. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines ORRF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+24.6% vs +3.4% peer median
Operating Margin
Above sector median
+30.1% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 28, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +24.6% and EPS at +194.0%, with operating margin around 30.1%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.0%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +2.1% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 28, 2026 | โ | -2.3% | -1.3% | -0.9% |
2026 Jan 27, 2026 | +2.8% | -4.1% | +5.6% | +2.9% |
2025 Oct 21, 2025 | +6.6% | +4.4% | +2.0% | +0.6% |
Benchmark Edge
ORRF vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
ORRF
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
ORRF Max Drawdown
-13.86%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for ORRF and SPY.
Company Overview
Orrstown Financial Services, Inc.
NASDAQ Capital Market
Orrstown 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.
- Leadership
- Thomas Rodney Quinn Jr.
- IPO Date
- May 13, 1999
- Employees
- 607
- Street Address
- 77 East King Street
- Mailing
- Shippensburg, PA, 17257
- Region
- Shippensburg, PA, US
- Reporting Currency
- USD
- Investor Line
- 717 532 6114
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.5
- EV/EBITDA
- 8.1
- Price/Sales
- 2.0
- Price/Book
- 1.2
Growth
- Revenue
- +24.6%
- EPS
- +194.0%
- Free Cash Flow
- +111.2%
Profitability
- Gross Margin
- 71.1%
- Operating Margin
- 30.1%
- Net Margin
- 23.7%
- ROE
- 14.6%
- ROIC
- 7.0%
Balance Sheet
- Debt/Equity
- 0.44
- Current Ratio
- 52.80
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.