ORRF Stock - Orrstown Financial Services, Inc.
Unlock GoAI Insights for ORRF
Get institutional-grade AI analysis, real-time signals, and deep market intelligence powered by advanced machine learning.
Free 14-day trial • No credit card required
Premium members get real-time SMS alerts
Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $284.09M | $174.30M | $134.32M | $121.64M | $126.88M |
| Gross Profit | $173.86M | $127.62M | $121.11M | $113.83M | $105.53M |
| Gross Margin | 61.2% | 73.2% | 90.2% | 93.6% | 83.2% |
| Operating Income | $27.81M | $45.03M | $26.62M | $40.90M | $32.51M |
| Net Income | $22.05M | $35.66M | $22.04M | $32.88M | $26.46M |
| Net Margin | 7.8% | 20.5% | 16.4% | 27.0% | 20.9% |
| EPS | $1.49 | $3.45 | $2.09 | $3.00 | $2.42 |
Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits. It also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans comprising home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, the company provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as provides other fiduciary services under the Orrstown Financial Advisors name; and offers retail brokerage services through a third-party broker/dealer arrangement. Further, it offers investment advisory, insurance, and brokerage services. The company operates through offices in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York counties, Pennsylvania; and Anne Arundel, Baltimore, Howard, and Washington counties, Maryland, as well as Baltimore City, Maryland. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania.
Visit WebsiteRating Distribution
Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| May 14th 2025 | Hovde Group | Reiterated | Outperform | $37← $35 |
| April 30th 2025 | Hovde Group | Upgrade | Outperform | $35 |
| April 10th 2025 | Raymond James | Initiation | Outperform | $35 |
| January 8th 2025 | Piper Sandler | Resumed | Overweight | $43 |
| November 13th 2024 | Hovde Group | Downgrade | Market Perform | - |
| October 23rd 2024 | Hovde Group | Reiterated | Outperform | $42← $37 |
| July 24th 2024 | Hovde Group | Reiterated | Outperform | $37← $33 |
| June 28th 2024 | Janney | Initiation | Buy | $32 |
| April 24th 2024 | Hovde Group | Reiterated | Outperform | $33← $34 |
| November 17th 2022 | Piper Sandler | Resumed | Neutral | $28 |
Earnings History & Surprises
ORRFEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 20, 2026 | — | — | — | — |
Q1 2026 | Jan 30, 2026 | $1.08 | — | — | — |
Q4 2025 | Oct 21, 2025 | $1.06 | $1.13 | +6.6% | ✓ BEAT |
Q3 2025 | Jul 22, 2025 | $0.99 | $1.04 | +5.1% | ✓ BEAT |
Q2 2025 | Apr 22, 2025 | $0.95 | $1.00 | +5.3% | ✓ BEAT |
Q1 2025 | Mar 31, 2025 | — | $0.71 | — | — |
Q4 2024 | Oct 22, 2024 | $0.91 | $1.11 | +22.0% | ✓ BEAT |
Q3 2024 | Jul 23, 2024 | $0.73 | $0.83 | +13.7% | ✓ BEAT |
Q2 2024 | Apr 23, 2024 | $0.73 | $0.81 | +11.0% | ✓ BEAT |
Q1 2024 | Mar 14, 2024 | — | $0.73 | — | — |
Q4 2023 | Oct 24, 2023 | $0.81 | $0.87 | +7.4% | ✓ BEAT |
Q3 2023 | Jul 25, 2023 | $0.79 | $0.94 | +19.0% | ✓ BEAT |
Q2 2023 | Apr 25, 2023 | $0.82 | $0.87 | +6.1% | ✓ BEAT |
Q1 2023 | Mar 16, 2023 | — | $0.91 | — | — |
Q4 2022 | Oct 18, 2022 | $0.68 | $0.75 | +10.3% | ✓ BEAT |
Q3 2022 | Jul 19, 2022 | $0.65 | $0.83 | +27.7% | ✓ BEAT |
Q2 2022 | Apr 19, 2022 | $0.60 | $0.76 | +26.7% | ✓ BEAT |
Q1 2022 | Mar 11, 2022 | — | $0.60 | — | — |
Q4 2021 | Oct 19, 2021 | $0.65 | $0.65 | 0.0% | = MET |
Q3 2021 | Jul 20, 2021 | $0.73 | $0.79 | +8.2% | ✓ BEAT |
Latest News
Orrstown Financial Services Outlook 2026 Non-Interest Income In Range Of $48M-$52M (Annualized); Outlook 2026 Loan Growth 5.0% Annualized Growth
📈 PositiveOrrstown Finl Servs Q3 EPS $1.13 Beats $1.05 Estimate, Sales $50.988M Miss $57.175M Estimate
➖ NeutralFrequently Asked Questions about ORRF
What is ORRF's current stock price?
What is the analyst price target for ORRF?
What sector is Orrstown Financial Services, Inc. in?
What is ORRF's market cap?
Does ORRF pay dividends?
Similar Stocks
Financial Services SectorExplore stocks similar to ORRF for comparison