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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 $37.17, about 17.8% overvalued vs fair value, +24.8% 1Y return, ranked 616/1037 in sector.
Metrics Rev Growth 85.8% ROE 14.6% Gross Margin 70.6%
$37.17
0.62%
As of April 28, 2026
Previous close • Vol 90d: 28.9%
52-Week Range
Market Cap
$729.30M
Enterprise Value
$1.02B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Apr 21 Estimated

Fair Value Snapshot

Bear Base Bull
$17
$31
$57
Current: $37.17 -18% 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

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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
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
60
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing ORRF's balance between Growth (37.8%), Profitability (28.8%), and Safety (33.4%). Growth 38% Safety 33% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

61th percentile vs peers
61
Key Signals
NII Growth YoY 48.0% 97p Equity Growth YoY 94.9% 99p Asset Growth YoY 1.8% 32p EPS Growth YoY -56.7% 11p
Strengths
  • NII Growth YoY in top 20% of peers (48.0%, 97th percentile)
  • Equity Growth YoY in top 20% of peers (94.9%, 99th percentile)
  • ROE in top 20% of peers (14.6%, 89th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks
  • EPS Growth YoY in bottom 20% of peers (-56.7%)

Profitability

46th percentile vs peers
47
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
54
Key Signals
Strengths
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Two Futures

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

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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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Bear
-
- - -
- upside
-
Base
$30.54
- - -
-17.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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