Orrstown Financial Services, Inc. (ORRF) AI Stock Analysis

Established in 1919 and based in Shippensburg, Pennsylvania, Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank. The institution accepts deposits across checking, savings, and money market accounts, while providing lending products that include commercial real estate, equipment financing, and consumer home equity lines of credit. It also delivers fiduciary, trustee, executor, and investment advisory services through Orrstown Financial Advisors, alongside retail brokerage and insurance services via a third-party broker/dealer. Additionally, the company has explored integrating digital assets and cryptocurrencies into its service capabilities.

Orrstown Financial grew annual revenue from $121.6M in FY2021 to $353.9M in FY2025, reflecting a 5-year revenue CAGR of 22.8%. Operating margin shifted from 33.6% in FY2021 down to 9.8% in FY2024 before rebounding to 29.0% in FY2025. Net income rose to $80.9M in FY2025, generating diluted EPS of $4.28, up from $22.1M and $3.69 in FY2024. Over the trailing twelve months ended June 30, 2026, revenue stood at $255.4M with an operating margin of 44.1% and a net profit margin of 33.8%. For the latest quarter ended June 30, 2026, quarterly earnings grew 7.9% year-over-year.

As of June 30, 2026, Orrstown Financial held $1.01B in cash and short-term investments against $282.4M in total debt, resulting in net cash of $725.2M. Shareholders' equity was $621.6M against total assets of $5.61B, with a debt-to-equity ratio of 0.45 and a current ratio of 0.21. In FY2025, the company generated $74.7M in operating cash flow and $70.5M in free cash flow. Cash deployment in FY2025 included $4.2M in capital expenditures, $20.6M in dividends paid, and $2.3M in share buybacks.

At $41.66, Orrstown Financial carries a market capitalization of $819.4M and an enterprise value of $979.0M. The stock trades at a trailing P/E of 9.4x and a forward P/E of 8.9x, compared to 12.1x and 10.8x, respectively, for the median of its US-listed Financial Services peers. Its price-to-sales ratio of 3.2x matches the peer median of 3.2x, while its price-to-book ratio is 1.3x. Over the past year, the stock returned 33.7%, outperforming the S&P 500 (SPY) return of 16.8%, and gained 104.8% over five years compared to 83.0% for the index.

Orrstown Financial pays a quarterly dividend totaling $1.20 annualized, representing a forward dividend yield of 2.88% with a payout ratio of 26.3%. The company has paid dividends for 12 consecutive years and generated a 5-year annualized dividend growth rate of 9.3%. Its most recent ex-dividend date was August 4, 2026.

Wall Street coverage consists of 2 Strong Buy, 1 Buy, and 2 Hold ratings, with zero Sell or Strong Sell recommendations. The mean price target is $45.75, representing a 9.8% premium to the last close of $41.66. Analysts estimate FY2026 EPS of $4.32 on revenue of $204.4M, followed by FY2027 EPS of $4.40 on revenue of $214.5M. The company beat EPS estimates in each of the last 4 quarters, with its next earnings release scheduled for October 20, 2026.

This page is an AI-written research summary of Orrstown Financial Services, Inc. (ORRF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: ORRF income statement, ORRF balance sheet, ORRF key metrics, ORRF analyst forecast, ORRF chart. See the ORRF stock overview for the latest quote and news.