Orrstown Financial Services, Inc. logo

Orrstown Financial Services, Inc.

ORRF

NASDAQFinancial ServicesBanks - Regional

Regular session

$42.37

+$0.35 · +0.83%

Aug 24, 11:01 AM ET

ORRF company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

94

Deep Value

Momentum

53

Neutral

Sentiment

48

Mixed

Risk resilience

75

Moderate Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles like trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor. It also facilitates retail brokerage services through a collaborative arrangement with an external broker/dealer, and provides direct investment advisory and insurance services. Established in 1919, Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania. Its operational footprint spans multiple counties in Pennsylvania (Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (Anne Arundel, Baltimore, Howard, and Washington, alongside Baltimore City).

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Adam L. Metz
Listed since
May 13, 1999
Employees
627

Market position

Day range

Current $42.37

52-week range

Current $42.37

Open
$42.17
Previous close
$42.02
Volume
12.54K
0.1× average
Average volume
129.25K
Average daily volume
Market cap
832.48M USD
Beta
0.68
Market reference 1
50-day average
$41.4752
+2.16% above average
200-day average
$37.6655
+12.49% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
9.09×
P/B (TTM)
1.32×
P/S (TTM)
2.32×
Dividend yield
2.76%

Profitability & efficiency

Gross margin
70.96%
Operating margin
29.94%
Net margin
24.06%

Financial health

Debt / equity
0.45×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends102%68%34%-1%Gross margin, FY2021: 93.58%Gross margin, FY2022: 90.16%Gross margin, FY2023: 73.22%Gross margin, FY2024: 61.20%Gross margin, FY2025: 70.64%Operating margin, FY2021: 33.62%Operating margin, FY2022: 19.82%Operating margin, FY2023: 25.84%Operating margin, FY2024: 9.79%Operating margin, FY2025: 29.03%Net margin, FY2021: 27.03%Net margin, FY2022: 16.41%Net margin, FY2023: 20.46%Net margin, FY2024: 7.76%Net margin, FY2025: 22.85%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.58%. Gross margin FY2022 90.16%. Gross margin FY2023 73.22%. Gross margin FY2024 61.20%. Gross margin FY2025 70.64%. Operating margin FY2021 33.62%. Operating margin FY2022 19.82%. Operating margin FY2023 25.84%. Operating margin FY2024 9.79%. Operating margin FY2025 29.03%. Net margin FY2021 27.03%. Net margin FY2022 16.41%. Net margin FY2023 20.46%. Net margin FY2024 7.76%. Net margin FY2025 22.85%.

Income trends

Revenue

353.86M USD+24.56%

Operating income

102.71M USD+269.39%

Net income

80.86M USD+266.69%
Income trends across reported periods387.05M USD254.32M USD121.58M USD−11.15M USDRevenue, FY2021: 121.65M USDRevenue, FY2022: 134.32M USDRevenue, FY2023: 174.3M USDRevenue, FY2024: 284.09M USDRevenue, FY2025: 353.86M USDOperating income, FY2021: 40.9M USDOperating income, FY2022: 26.62M USDOperating income, FY2023: 45.03M USDOperating income, FY2024: 27.81M USDOperating income, FY2025: 102.71M USDNet income, FY2021: 32.88M USDNet income, FY2022: 22.04M USDNet income, FY2023: 35.66M USDNet income, FY2024: 22.05M USDNet income, FY2025: 80.86M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 121.65M USD. Revenue FY2022 134.32M USD. Revenue FY2023 174.3M USD. Revenue FY2024 284.09M USD. Revenue FY2025 353.86M USD. Operating income FY2021 40.9M USD. Operating income FY2022 26.62M USD. Operating income FY2023 45.03M USD. Operating income FY2024 27.81M USD. Operating income FY2025 102.71M USD. Net income FY2021 32.88M USD. Net income FY2022 22.04M USD. Net income FY2023 35.66M USD. Net income FY2024 22.05M USD. Net income FY2025 80.86M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue353.86M USD284.09M USD174.3M USD134.32M USD121.65M USD
Cost of goods sold103.89M USD110.23M USD46.67M USD13.21M USD7.81M USD
Gross profit249.97M USD173.86M USD127.62M USD121.11M USD113.83M USD
Selling, general, and administrative90.47M USD82.63M USD56.02M USD52.29M USD47.86M USD
Operating expenses147.26M USD146.06M USD82.59M USD94.49M USD72.94M USD
Interest income303.73M USD248.93M USD149.9M USD108.65M USD93.7M USD
Interest expense103.94M USD93.68M USD44.99M USD9.02M USD6.72M USD
Depreciation and amortization13.97M USD9.69M USD4.34M USD4.62M USD5.31M USD
Operating income102.71M USD27.81M USD45.03M USD26.62M USD40.9M USD
Net income80.86M USD22.05M USD35.66M USD22.04M USD32.88M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
90%
9 beats, 1 miss, 0 met estimates
Average EPS surprise
+6.75%
10 comparable reports
Latest EPS result
1.09
Estimate 1.03 · Beat by 5.83%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.181.060.940.82Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 31, 2025: actual 0.87, estimate 1.03, surprise -15.53%, Miss. Q2 2025, reported Apr 22, 2025: actual 1, estimate 0.95, surprise +5.26%, Beat. Q3 2025, reported Jul 22, 2025: actual 1.04, estimate 0.99, surprise +5.05%, Beat. Q4 2025, reported Oct 21, 2025: actual 1.13, estimate 1.06, surprise +6.60%, Beat. Q1 2026, reported Jan 27, 2026: actual 1.11, estimate 1.08, surprise +2.78%, Beat. Q2 2026, reported Apr 21, 2026: actual 1.12, estimate 1.01, surprise +10.89%, Beat. Q3 2026, reported Jul 21, 2026: actual 1.09, estimate 1.03, surprise +5.83%, Beat. Q4 2026, reported Oct 20, 2026: actual —, estimate 1.1, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates68.77M64.98M61.19M57.41MQ1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 31, 2025: actual 61.82M USD, estimate 63.33M USD, surprise -2.39%, Miss. Q2 2025, reported Apr 22, 2025: actual 60.39M USD, estimate 60.05M USD, surprise +0.56%, Beat. Q3 2025, reported Jul 22, 2025: actual 62.43M USD, estimate 61M USD, surprise +2.34%, Beat. Q4 2025, reported Oct 21, 2025: actual 64.37M USD, estimate 63.03M USD, surprise +2.13%, Beat. Q1 2026, reported Jan 27, 2026: actual 64.92M USD, estimate 63.95M USD, surprise +1.52%, Beat. Q2 2026, reported Apr 21, 2026: actual 64.58M USD, estimate 62.8M USD, surprise +2.84%, Beat. Q3 2026, reported Jul 21, 2026: actual 62.67M USD, estimate 64.1M USD, surprise -2.24%, Miss. Q4 2026, reported Oct 20, 2026: actual —, estimate 66.13M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$41.00

3.23% downside
Past 12 months12-month forecastHigh $41.00Average $41.00Low $41.00

ORRF news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.06

2025 complete year+43.2% since 2021

2026 partial: $0.90

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 4, 2026

$0.30

Quarterly

Record Aug 4, 2026 · Payment Aug 11, 2026

Dividend

Ex-dividend May 5, 2026

$0.30

Quarterly

Record May 5, 2026 · Payment May 12, 2026

Dividend

Ex-dividend Feb 10, 2026

$0.30

Quarterly

Record Feb 10, 2026 · Payment Feb 17, 2026

Dividend

Ex-dividend Nov 5, 2025

$0.27

Quarterly

Record Nov 5, 2025 · Payment Nov 12, 2025

Dividend

Ex-dividend Aug 5, 2025

$0.27

Quarterly

Record Aug 5, 2025 · Payment Aug 12, 2025

Dividend

Ex-dividend May 6, 2025

$0.26

Quarterly

Record May 6, 2025 · Payment May 13, 2025

ORRF peers

Continue in GoAI

Research ORRF

research.disclaimer