
Orrstown Financial Services, Inc.
ORRFNASDAQFinancial ServicesBanks - Regional
Regular session
$42.37
+$0.35 · +0.83%
ORRF company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
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.
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Company profile
Company websiteOrrstown 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 / TTMValuation & 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.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 353.86M USD | 284.09M USD | 174.3M USD | 134.32M USD | 121.65M USD |
| Cost of goods sold | 103.89M USD | 110.23M USD | 46.67M USD | 13.21M USD | 7.81M USD |
| Gross profit | 249.97M USD | 173.86M USD | 127.62M USD | 121.11M USD | 113.83M USD |
| Selling, general, and administrative | 90.47M USD | 82.63M USD | 56.02M USD | 52.29M USD | 47.86M USD |
| Operating expenses | 147.26M USD | 146.06M USD | 82.59M USD | 94.49M USD | 72.94M USD |
| Interest income | 303.73M USD | 248.93M USD | 149.9M USD | 108.65M USD | 93.7M USD |
| Interest expense | 103.94M USD | 93.68M USD | 44.99M USD | 9.02M USD | 6.72M USD |
| Depreciation and amortization | 13.97M USD | 9.69M USD | 4.34M USD | 4.62M USD | 5.31M USD |
| Operating income | 102.71M USD | 27.81M USD | 45.03M USD | 26.62M USD | 40.9M USD |
| Net income | 80.86M USD | 22.05M USD | 35.66M USD | 22.04M USD | 32.88M 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
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$41.00
3.23% downsideORRF 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
$0.74
2,021
$0.76
2,022
$0.80
2,023
$0.86
2,024
$1.06
2,025
$0.90
2,026*
* Partial calendar year in the available dividend history.
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Aug 4, 2026 | $0.30Quarterly | Aug 4, 2026 | Aug 11, 2026 |
Dividend | May 5, 2026 | $0.30Quarterly | May 5, 2026 | May 12, 2026 |
Dividend | Feb 10, 2026 | $0.30Quarterly | Feb 10, 2026 | Feb 17, 2026 |
Dividend | Nov 5, 2025 | $0.27Quarterly | Nov 5, 2025 | Nov 12, 2025 |
Dividend | Aug 5, 2025 | $0.27Quarterly | Aug 5, 2025 | Aug 12, 2025 |
Dividend | May 6, 2025 | $0.26Quarterly | May 6, 2025 | May 13, 2025 |
Ex-dividend Aug 4, 2026
$0.30
Quarterly
Record Aug 4, 2026 · Payment Aug 11, 2026
Ex-dividend May 5, 2026
$0.30
Quarterly
Record May 5, 2026 · Payment May 12, 2026
Ex-dividend Feb 10, 2026
$0.30
Quarterly
Record Feb 10, 2026 · Payment Feb 17, 2026
Ex-dividend Nov 5, 2025
$0.27
Quarterly
Record Nov 5, 2025 · Payment Nov 12, 2025
Ex-dividend Aug 5, 2025
$0.27
Quarterly
Record Aug 5, 2025 · Payment Aug 12, 2025
Ex-dividend May 6, 2025
$0.26
Quarterly
Record May 6, 2025 · Payment May 13, 2025
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