Orrstown Financial Services, Inc. (ORRF) Stock

Orrstown Financial Services, Inc. (ORRF) is a Financials stock trading at $42.03 (as of 2026-08-21), with a market capitalization of $826.71M and a trailing P/E of 9.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Orrstown Financial Services, Inc. is a holding company for Orrstown Bank, offering commercial banking services, including deposit products and commercial and consumer lending, as well as residential mortgage and other loan categories. It also provides trust and other fiduciary services, and offers investment advisory, insurance, and brokerage services through a third-party broker/dealer arrangement.

Understand Orrstown Financial Services, Inc.: how it makes money

Orrstown Financial Services, Inc. is a bank holding company (Orrstown Bank) that provides commercial banking and trust services by taking deposits and making commercial, consumer, and residential mortgage loans, with earnings tied to loan yields and deposit costs.

For a lender like Orrstown, profitability is structurally driven by the gap between loan yields ("Average Yield on Loans") and the bank's funding costs ("Cost of Deposits"), and then affected by credit performance ("Nonperforming Assets") and interest-rate sensitivity in the investment portfolio ("Investment Portfolio Duration" and "Investment Portfolio Net Unrealized Losses").

Business quality (Solid): The latest quarter shows strong profitability at the operating level (operating margin 37.0%), alongside clear operating signals to watch, including loan yield versus deposit costs and credit and mark-to-market risk in the investment portfolio.

Valuation: At 9× earnings, ORRF trades 25% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Loan yield vs funding cost: In the latest period, "Average Yield on Loans" was 6.58%, while "Cost of Deposits" was 1.96%, showing a meaningful yield and funding spread.
  • Lending utilization: "Loan to Deposit Ratio" was 88.0%, suggesting deposits are substantially deployed into lending.

Bear case

  • Credit risk exposure: "Nonperforming Assets (Orrstown Financial Services, Inc.)" were 0.26 USD_B, which is a direct indicator of borrower stress.
  • Investment portfolio mark-to-market and rate sensitivity: "Investment Portfolio Net Unrealized Losses" were 3.0%, and "Investment Portfolio Duration" was 4.3, both of which can pressure results if rates move.
Valuation — source: SEC EDGAR (first-party)
Price$42.03
Market Cap$826.71M
P/E Ratio9.8
EV / EBITDA5.7
Price / Book1.33
Price / Sales2.75
FCF Yield11.3%
DCF Value (model)$89.79
DCF Upside vs Price113.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$37.14M
Net Margin217.7%
Revenue Growth (YoY)-0.2%
EPS Growth (YoY)8.9%
FCF Growth (YoY)-5.4%
Valuation vs Sector & Industry
Stock P/E9.8
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-35.0%
vs Industry-24.4%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($53.42M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOThomas Rodney Quinn Jr.
Employees607
CountryUS
IPO Date1999-05-13

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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  • Eagle Bancorp, Inc. (EGBN)
  • South Plains Financial, Inc. (SPFI)
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ORRF earnings history · ORRF institutional & insider holders · ORRF KPIs & operating metrics · ORRF financials · ORRF investor presentations & press releases · ORRF SEC filings · ORRF peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.