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Orrstown Financial Services, Inc. (ORRF)

Profile

Full Name

Orrstown Financial Services, Inc.

Ticker

NASDAQ: ORRF

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

May 13, 1999

Indexes

Not included

Website

https://www.orrstown.com

Employees

607

Key Details

Price

$34.69(-0.77%)

Market cap

$676.15M(Small cap)

Last Dividend

$0.27

TTM Dividend yield

2.94%

Annual revenue

$286.50M(+62.77% YoY)

Annual EPS

$1.48(-56.73% YoY)

PE ratio

15.49

Next earnings date

Oct 21, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $34.69
    ORRF price is $34.69

    30-Day Relative Volume

    0.79
    ORRF 30-day relative volume is 0.79

    Price Performance

    Price Most recent change

    -0.77%
    ORRF price was down -0.77% on Sep 16, 2025

    Price YTD change

    -5.24%
    ORRF price is down -5.24% since January 1st

    Price 1-year change

    -1.22%
    ORRF price is down -1.22% year-on-year

    Price 3-year change

    +36.47%
    ORRF price is up +36.47% over the past 3 years

    Price Range

    Price All-time high

    $45.35
    ORRF price is currently -23.51% below its historical high of $45.35

    Price 3-year low

    $15.52
    ORRF price is currently +123.52% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $676.15M
    ORRF market capitalization is $676.15 million

    Market cap 3-year change

    +149.15%
    ORRF market capitalization is up +149.15% over the past 3 years

    Market cap All-time high

    $797.54M
    ORRF market capitalization is currently -15.22% below its historical high of $797.54 million

    Market cap sector rank

    56.03%
    ORRF market capitalization is higher than 56.03% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +0.62%
    ORRF shares outstanding is up +0.62% year-on-year

    Shares Outstanding 3-Year Change

    +82.57%
    ORRF shares outstanding is up +82.57% over the past 3 years

    Technical Indicators

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    Beta

    0.78
    ORRF beta is 0.78

    200-day SMA

    $32.94
    ORRF price is currently +5.30% above its 200-day simple moving average

    50-day SMA

    $33.88
    ORRF price is currently +2.40% above its 50-day simple moving average

    RSI

    53.94
    ORRF 14-day relative strength index is 53.94

    Volume

    0.79
    ORRF 30-day relative volume is 0.79

    ATR

    $0.67
    ORRF average true range is $0.67

    10-day Historical Volatility

    13.28%
    ORRF 10-day historical volatility is 13.28%

    Dividend

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    Events

    Last Paid Dividend

    $0.27
    ORRF last dividend was $0.27 per share, with an ex-dividend date of August 5, 2025

    Next Dividend

    -
    ORRF next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $0.86
    ORRF annual dividend per share is $0.86

    Dividend per share Sector Rank

    44.57%
    ORRF annual dividend per share is higher than 44.57% of companies in Financial Services sector

    Dividend per share 1-Year Change

    +7.5%
    ORRF annual dividend per share is up +7.5% year-on-year

    Dividend per share 3-Year Change

    +16.22%
    ORRF annual dividend per share is up +16.22% over the past 3 years

    Dividend yield

    Dividend yield

    2.48%
    ORRF annual dividend yield is 2.48%

    Dividend yield Sector Rank

    25.35%
    ORRF annual dividend yield is higher than 25.35% of companies in Financial Services sector

    Other

    Payout ratio

    -59.76%
    ORRF annual payout ratio is -59.76%

    Dividends paid

    -$13.18M
    ORRF annual dividends paid is -$13.18 million

    Free cash flow

    $28.38M
    ORRF annual free cash flow is $28.38 million

    Income Statement

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    Revenue

    Revenue

    $286.50M
    ORRF annual revenue is $286.50 million

    Revenue Analysts estimate

    $201.54M
    ORRF annual revenue is currently +42.15% higher than the consensus analysts' forecast

    Revenue 1-year change

    +62.77%
    ORRF annual revenue is up +62.77% year-on-year

    Revenue Sector rank

    64.62%
    ORRF annual revenue is higher than 64.62% of companies in Financial Services sector

    EPS

    EPS

    $1.48
    ORRF annual earnings per share is $1.48

    EPS Analysts estimate

    $4.16
    ORRF annual earnings per share is currently -64.39% lower than the consensus analysts' forecast

    EPS 1-year change

    -56.73%
    ORRF annual earnings per share is down -56.73% year-on-year

    EPS Sector rank

    59.3%
    ORRF annual earnings per share is higher than 59.3% of companies in Financial Services sector

    Profit

    Gross profit

    $0.00
    ORRF annual gross profit is $0.00

    Gross margin

    0.00%
    ORRF annual gross profit margin is 0.00%

    Operating profit

    $51.41M
    ORRF annual operating income is $51.41 million

    Operating margin

    17.95%
    ORRF annual operating profit margin is 17.95%

    Net income

    $22.05M
    ORRF annual net profit is $22.05 million

    Net margin

    7.70%
    ORRF annual net profit margin is 7.70%

    Expenses

    Total expenses

    $264.45M
    ORRF annual total expenses is $264.45 million

    Operating expenses

    -$51.41M
    ORRF annual total operating expenses is -$51.41 million

    Cost of goods sold

    -
    ORRF annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $0.00
    ORRF annual SGA is $0.00

    Depreciation and amortization

    $9.69M
    ORRF annual depreciation & amortization is $9.69 million

    Interest expense

    $93.68M
    ORRF annual interest expense is $93.68 million

    Income tax

    $5.76M
    ORRF annual income tax is $5.76 million

    EBIT & EBITDA

    EBIT

    $121.48M
    ORRF annual earnings before interest & taxes is $121.48 million

    EBITDA

    $131.18M
    ORRF annual EBITDA is $131.18 million

    Balance Sheet

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    Assets

    Total assets

    $5.46B
    ORRF annual total assets is $5.46 billion

    Non current assets

    $4.96B
    ORRF annual long term assets is $4.96 billion

    Current assets

    $270.07M
    ORRF annual total current assets is $270.07 million

    Cash and cash equivalents

    $51.03M
    ORRF annual cash & cash equivalents is $51.03 million

    Accounts receivable

    $21.06M
    ORRF annual accounts receivable is $21.06 million

    Inventory

    -
    ORRF annual inventory value is unknown

    Liabilities

    Total liabilities

    $4.95B
    ORRF annual total liabilities is $4.95 billion

    Long term liabilities

    $98.68M
    ORRF annual total long term liabilities is $98.68 million

    Current liabilities

    $2.17B
    ORRF annual total current liabilities is $2.17 billion

    Accounts payable

    -
    ORRF annual accounts payable value is unknown

    Debt

    Total debt

    $224.18M
    ORRF annual total debt is $224.18 million

    Total debt 1-year change

    +17.38%
    ORRF annual total debt is up +17.38% year-on-year

    Long term debt

    $106.73M
    ORRF annual long term debt is $106.73 million

    Short term debt

    $117.45M
    ORRF annual short term debt is $117.45 million

    Equity & Capital

    Shareholders equity

    $516.68M
    ORRF annual stockholders equity is $516.68 million

    Book value

    $516.68M
    ORRF annual book value is $516.68 million

    Retained earnings

    $126.54M
    ORRF annual retained earnings is $126.54 million

    Working capital

    -$1.90B
    ORRF annual working capital is -$1.90 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $34.96M
    ORRF annual cash flow from operations is $34.96 million

    Cash from operations 1-year change

    -20.31%
    ORRF annual cash flow from operations is down -20.31% year-on-year

    Cash from investing

    $60.99M
    ORRF annual cash flow from investing activities is $60.99 million

    Cash from investing 1-year change

    +139.76%
    ORRF annual cash flow from investing activities is up +139.76% year-on-year

    Cash from financing

    $87.76M
    ORRF annual cash flow from financing activities is $87.76 million

    Cash from financing 1-year change

    -22.94%
    ORRF annual cash flow from financing activities is down -22.94% year-on-year

    CAPEX

    CAPEX

    $6.58M
    ORRF annual capital expenditures is $6.58 million

    CAPEX 1-year change

    +187.05%
    ORRF annual capital expenditures is up +187.05% year-on-year

    Free Cash Flow

    Free cash flow

    $28.38M
    ORRF annual free cash flow is $28.38 million

    Free cash flow 1-year change

    -31.74%
    ORRF annual free cash flow is down -31.74% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    0.00%
    ORRF annual gross profit margin is 0.00%

    Operating margin

    17.95%
    ORRF annual operating profit margin is 17.95%

    Net margin

    7.70%
    ORRF annual net profit margin is 7.70%

    ROA & ROE

    ROA

    0.52%
    ORRF annual return on assets is 0.52%

    ROE

    5.64%
    ORRF annual return on equity is 5.64%

    Valuation

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    PE Ratio

    PE ratio

    15.49
    ORRF price to earnings ratio is 15.49

    PE ratio Sector rank

    54.65%
    ORRF price to earnings ratio is higher than 54.65% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.23
    ORRF price to book ratio is 1.23

    PB ratio Sector rank

    46.62%
    ORRF price to book ratio is higher than 46.62% of companies in Financial Services sector

    PS Ratio

    PS ratio

    1.87
    ORRF price to sales ratio is 1.87

    PS ratio Sector rank

    41.07%
    ORRF price to sales ratio is higher than 41.07% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $872.40M
    ORRF enterprise value is $872.40 million

    Enterprise value Sector rank

    56.42%
    ORRF enterprise value is higher than 56.42% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    ORRF EV/EBITDA value is unknown

    EV/EBITDA Sector rank

    -
    ORRF EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current ratio

    0.12
    ORRF annual current ratio is 0.12

    Quick ratio

    -
    ORRF annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.43
    ORRF annual debt to equity ratio is 0.43

    Interest coverage ratio

    1.30
    ORRF annual interest coverage ratio is 1.30

    Risk & Stability

    Piotroski F-Score

    5
    ORRF piotroski f-score is 5

    Altman Z-Score

    -0.18
    ORRF altman z-score is -0.18

    Analyst ratings

    Recent major analysts updates

    Jul 24, 25 Keefe, Bruyette & Woods
    Outperform
    Jul 11, 25 Keefe, Bruyette & Woods
    Outperform
    Apr 24, 25 Keefe, Bruyette & Woods
    Outperform
    Feb 3, 25 Keefe, Bruyette & Woods
    Outperform
    Nov 13, 24 Hovde Group
    Market Perform
    Jun 28, 24 Janney Montgomery Scott
    Buy
    Jun 18, 24 Keefe, Bruyette & Woods
    Outperform
    Jan 25, 24 Keefe, Bruyette & Woods
    Outperform
    Dec 13, 23 Keefe, Bruyette & Woods
    Outperform
    Jul 31, 23 Piper Sandler
    Neutral

    Institutional Ownership

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    • What is the ticker symbol for Orrstown Financial Services, Inc.?
    • Does Orrstown Financial Services, Inc. pay dividends?
    • What sector is Orrstown Financial Services, Inc. in?
    • What industry is Orrstown Financial Services, Inc. in?
    • What country is Orrstown Financial Services, Inc. based in?
    • When did Orrstown Financial Services, Inc. go public?
    • Is Orrstown Financial Services, Inc. in the S&P 500?
    • Is Orrstown Financial Services, Inc. in the NASDAQ 100?
    • Is Orrstown Financial Services, Inc. in the Dow Jones?
    • When was Orrstown Financial Services, Inc.'s last earnings report?
    • When does Orrstown Financial Services, Inc. report earnings?

    What is the ticker symbol for Orrstown Financial Services, Inc.?

    The ticker symbol for Orrstown Financial Services, Inc. is NASDAQ:ORRF

    Does Orrstown Financial Services, Inc. pay dividends?

    Yes, Orrstown Financial Services, Inc. pays dividends. The last payment was $0.27, with an ex-dividend date on August 5, 2025

    What sector is Orrstown Financial Services, Inc. in?

    Orrstown Financial Services, Inc. is in the Financial Services sector

    What industry is Orrstown Financial Services, Inc. in?

    Orrstown Financial Services, Inc. is in the Regional Banks industry

    What country is Orrstown Financial Services, Inc. based in?

    Orrstown Financial Services, Inc. is headquartered in United States

    When did Orrstown Financial Services, Inc. go public?

    Orrstown Financial Services, Inc.'s initial public offering (IPO) was on May 13, 1999

    Is Orrstown Financial Services, Inc. in the S&P 500?

    No, Orrstown Financial Services, Inc. is not included in the S&P 500 index

    Is Orrstown Financial Services, Inc. in the NASDAQ 100?

    No, Orrstown Financial Services, Inc. is not included in the NASDAQ 100 index

    Is Orrstown Financial Services, Inc. in the Dow Jones?

    No, Orrstown Financial Services, Inc. is not included in the Dow Jones index

    When was Orrstown Financial Services, Inc.'s last earnings report?

    Orrstown Financial Services, Inc.'s most recent earnings report was on July 22, 2025

    When does Orrstown Financial Services, Inc. report earnings?

    The next expected earnings date for Orrstown Financial Services, Inc. is October 21, 2025
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