Orrstown Financial Services (ORRF) Stock Price, News & Analysis

Company Overview

Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company 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, such as 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, it provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. Orrstown Financial Services, Inc. was founded in 1919 and is headquartered in Shippensburg, Pennsylvania.

Key Stats

• Today's Range: $33.04 to $33.92
• 50-Day Range: $33.05 to $38.88
• 52-Week Range: $24.70 to $41.99
• Volume: 114,547 shs
• Average Volume: 134,065 shs
• Market Capitalization: $640.84 million
• P/E Ratio: 17.96
• Dividend Yield: 3.15%
• Price Target: $39.75
• Consensus Rating: Moderate Buy

Orrstown Financial Services Stock Analysis - MarketRank™

Orrstown Financial Services scored higher than 94% of companies evaluated by MarketBeat, and ranked 94th out of 930 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Orrstown Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.75, and is based on 3 buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Orrstown Financial Services has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.86%

Earnings Growth

Earnings for Orrstown Financial Services are expected to grow by 6.86% in the coming year, from $4.23 to $4.52 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Orrstown Financial Services is 17.96, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 23.48.

Price to Earnings Ratio vs. Sector

The P/E ratio of Orrstown Financial Services is 17.96, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.15.

Price to Book Value per Share Ratio

Orrstown Financial Services has a P/B Ratio of 1.32. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.68% of the outstanding shares of Orrstown Financial Services have been sold short.

Short Interest Ratio / Days to Cover

Orrstown Financial Services has a short interest ratio ("days to cover") of 1.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Orrstown Financial Services has recently decreased by 14.36%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Orrstown Financial Services pays a meaningful dividend of 3.10%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Orrstown Financial Services does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Orrstown Financial Services is 56.52%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Orrstown Financial Services will have a dividend payout ratio of 23.01% next year. This indicates that Orrstown Financial Services will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.4 / 5
• Environmental Score: -0.45

Percentage of Shares Shorted

0.68% of the outstanding shares of Orrstown Financial Services have been sold short.

Short Interest Ratio / Days to Cover

Orrstown Financial Services has a short interest ratio ("days to cover") of 1.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Orrstown Financial Services has recently decreased by 14.36%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.18

News Sentiment

Orrstown Financial Services has a news sentiment score of 1.18. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.89 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Orrstown Financial Services this week, compared to 2 articles on an average week.

MarketBeat Follows

2 people have added Orrstown Financial Services to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Orrstown Financial Services insiders have bought more of their company's stock than they have sold. Specifically, they have bought $10,407.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 5.30% of the stock of Orrstown Financial Services is held by insiders.

Percentage Held by Institutions

44.27% of the stock of Orrstown Financial Services is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

ORRF Stock Analysis - Frequently Asked Questions

How have ORRF shares performed this year?

Orrstown Financial Services' stock was trading at $36.61 on January 1st, 2025. Since then, ORRF shares have decreased by 9.7% and is now trading at $33.05.
View the best growth stocks for 2025 here.

How were Orrstown Financial Services' earnings last quarter?

Orrstown Financial Services, Inc. (NASDAQ:ORRF) issued its earnings results on Friday, January, 31st. The bank reported $0.87 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $1.04 by $0.17. Orrstown Financial Services had a net margin of 7.70% and a trailing twelve-month return on equity of 15.77%.

Who are Orrstown Financial Services' major shareholders?

Orrstown Financial Services' top institutional investors include PL Capital Advisors LLC (12.15%), Fourthstone LLC (7.90%), Vanguard Group Inc. (5.38%) and Dimensional Fund Advisors LP (4.30%). Insiders that own company stock include Joel R Zullinger, Thomas R Quinn Jr, Philip E Fague, Floyd E Stoner, Robert G Coradi, Andrea L Pugh, Cindy Jeannette Joiner, David Todd Hornberger, Thomas D Longenecker, Sarah M Brown, Christopher D Holt, Matthew Dyckman, Meera R Modi, Neelesh Kalani and Sean Mulcahy.
View institutional ownership trends.

How do I buy shares of Orrstown Financial Services?

Shares of ORRF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Orrstown Financial Services own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Orrstown Financial Services investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Voyager Therapeutics (VYGR), The RMR Group (RMR), AUO (AUOTY) and DiamondRock Hospitality (DRH).

Company Calendar

• Last Earnings: 1/31/2025
• Ex-Dividend for 2/21 Dividend: 2/14/2025
• Dividend Payable: 2/21/2025
• Today: 2/22/2025
• Next Earnings (Estimated): 4/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:ORRF
• CUSIP: N/A
• CIK: 826154
• Web: www.orrstown.com
• Phone: (717) 532-6114
• Fax: N/A
• Employees: 430
• Year Founded: 1919

Price Target and Rating

• Average Stock Price Target: $39.75
• High Stock Price Target: $43.00
• Low Stock Price Target: $32.00
• Potential Upside/Downside: +20.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.75
• Research Coverage: 4 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $1.84
• Trailing P/E Ratio: 17.96
• Forward P/E Ratio: 7.81
• P/E Growth: N/A
• Net Income: $22.05 million
• Net Margins: 7.70%
• Pretax Margin: 8.43%
• Return on Equity: 15.77%
• Return on Assets: 1.42%

Debt

• Debt-to-Equity Ratio: 0.13
• Current Ratio: 0.88
• Quick Ratio: 0.88

Sales & Book Value

• Annual Sales: $286.37 million
• Price / Sales: 2.24
• Cash Flow: $3.99 per share
• Price / Cash Flow: 8.28
• Book Value: $24.97 per share
• Price / Book: 1.32

Miscellaneous

• Outstanding Shares: 19,390,000
• Free Float: 18,359,000
• Market Cap: $640.84 million
• Optionable: Optionable
• Beta: 0.90