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Company Analysis

Orrstown Financial Services, In ORRF

A comprehensive view of key metrics, scores, and financial health for Orrstown Financial Services, In

Overview of Orrstown Financial Services, Inc.

ORRF NCM
Financial Services Banks - Regional Small Cap
Orrstown Financial Services, Inc. (ORRF), is a Small Cap company, in the Banks - Regional industry, last closed at $34.20, about 10.7% overvalued vs fair value, +11.0% 1Y return, ranked 613/1004 in sector.
$34.20
0.00%
As of March 13, 2026
Previous close • Vol 90d: 27.3%
52-Week Range
Market Cap
$686.90M
Enterprise Value
$981.18M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.orrstown.com
HQ Harrisburg, PA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$17
$31
$57
Current: $34.20 -11% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$248.9M
66.1%%
Interest Expense
$103.9M
Net Interest Income
$155.3M
48%%
Total Revenue
$353.9M
85.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.3%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$15.6M
70.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Orrstown Financial Services, In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
55
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
41
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing ORRF's balance between Growth (49.1%), Profitability (33.3%), and Safety (17.6%). Growth 49% Safety 18% Profitability 33%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

67th percentile vs peers
67
Key Signals
Rev Growth YoY 85.8% 74p Revenue CAGR 3Y 41.3% 93p Asset Growth YoY 1.8% 32p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (41.3%, 93th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

45th percentile vs peers
46
Key Signals
Strengths
Risks
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Safety

24th percentile vs peers
24
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Orrstown Financial Services, In.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$30.54
- - -
-10.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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