NCM · Banks - Regional

Orrstown Financial Services, Inc. (ORRF) Stock

$41.38 +1.37% NCM: ORRF Financial Services

Valuation

MetricValue
Price$41.38
Market Cap$813.03M
P/E Ratio8.94
P/B Ratio1.29
P/S Ratio2.28
EPS (TTM)$4.37
52-Week High$43.81
52-Week Low$31.87
Dividend Yield2.88%

Financials & Margins

MetricValue
ROE14.46%
ROA1.54%
ROCE15.13%
Gross Margin29.10%
Operating Margin29.10%
Net Margin24.06%
Debt/Equity0.44
Current Ratio1.14

Annual Financials (USD)

Metric20212022202320242025
Revenue$122.0M$134.0M$174.0M$284.0M$354.0M
Operating Profit$41.0M$27.0M$45.0M$28.0M$103.0M
Net Profit$33.0M$22.0M$36.0M$22.0M$81.0M
EPS$2.96$2.06$3.42$1.48$4.18
Op Margin33.6%19.8%25.8%9.8%29.0%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.8B$2.9B$3.1B$5.4B$5.5B
Total Liabilities$2.6B$2.7B$2.8B$4.9B$5.0B
Cash$209.0M$61.0M$65.0M$249.0M$42.0M
Borrowings$57.0M$155.0M$179.0M$210.0M$336.0M

Latest News

Orrstown Financial Services Inc (ORRF) Q2 2026 Earnings Call Highlights: Record Wealth ... GuruFocus.com · Jul 22, 2026 Orrstown Financial Services Q2 Earnings Call Highlights MarketBeat · Jul 22, 2026 Orrstown (ORRF) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates Zacks · Jul 21, 2026 Orrstown Financial Services (ORRF) Q2 Earnings Beat Estimates Zacks · Jul 21, 2026 Orrstown Financial Services Q2 Earnings, Revenue Rise MT Newswires · Jul 21, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$41.0M$36.0M$44.0M$35.0M$75.0M
Investing Cash Flow$-3.0M$-272.0M$-156.0M$59.0M$-186.0M
Financing Cash Flow$105.0M$-3.0M$98.0M$115.0M$-97.0M
Net Cash Flow$83.0M$-148.0M$4.0M$184.0M$-99.0M
Free Cash Flow$40.0M$35.0M$41.0M$33.0M$70.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.08
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y18.71%
Return 3Y110.49%
Return 5Y103.88%

Ownership

Insiders Held3.73%
Institutions Held60.83%
Institutions Float Held63.18%
Institutional HolderSharesReport Date
Blackrock Inc.1,480,5612026-03-31
Dimensional Fund Advisors LP900,6742026-03-31
Vanguard Capital Management LLC817,6212026-03-31
State Street Corporation800,7192026-03-31
Charles Schwab Investment Management, Inc.592,6872026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ACNBACNB Corporation $63.19 +0.11% 12.06 $645.30M 2.63%
CARECarter Bankshares, Inc. $30.47 +0.93% 5.23 $675.28M 1.30%
CZFSCitizens Financial Services, Inc. $79.46 +0.66% 9.44 $381.80M 2.52%
CZNCCitizens & Northern Corp $25.27 +0.28% 17.37 $452.75M 4.37%
FRAFFranklin Financial Services Corporation $63.32 -0.22% 11.48 $284.50M 2.15%

About Orrstown Financial Services, Inc.

Orrstown Financial Services, Inc. is led by CEO Thomas Rodney Quinn Jr., employs 607 people, headquartered in US, publicly traded since 1999.

Orrstown Financial Services, Inc. (ORRF) stock trades at $41.38 with a market capitalization of $813.03M. The stock is valued at a price-to-earnings (P/E) ratio of 8.94, price-to-book of 1.29, price-to-sales of 2.28. Over the past 52 weeks the stock has ranged between $31.87 and $43.81, and currently trades 5.5% below its 52-week high. It pays a dividend yielding 2.88%.

On profitability, Orrstown Financial Services, Inc. generates a return on equity (ROE) of 14.46%, above the typical market average, return on capital employed of 15.13%, an operating margin of 29.10%, a net profit margin of 24.06%.

Related Financial Services Stocks

BRK.A Berkshire Hathaway Inc. $733370.00 +0.00% BRK.B Berkshire Hathaway Inc. New $482.70 +0.00% JPM JP Morgan Chase & Co. $331.42 +0.56% V Visa Inc. $375.10 +0.81% MA Mastercard Incorporated $574.76 +0.82% BAC Bank of America Corporation $53.61 +0.17% HSBC HSBC Holdings, plc $92.61 -1.17% MS Morgan Stanley $187.41 -1.21% RY Royal Bank Of Canada $190.56 -0.35% GS Goldman Sachs Group, Inc. (The) $882.59 -0.52% MUFG Mitsubishi UFJ Financial Group, Inc. $22.48 -0.75% WFC Wells Fargo & Company $82.06 +2.24%

Popular Stocks

Apple (AAPL)Microsoft (MSFT)NVIDIA (NVDA)Alphabet (GOOGL)Amazon (AMZN)Meta (META)Tesla (TSLA)Broadcom (AVGO)Eli Lilly (LLY)Exxon Mobil (XOM)

Screens featuring this stock

High ROE Financial Services StocksLow P/E Financial Services StocksHigh Net Margin Financial Services StocksDividend Financial Services StocksLow Debt Financial Services StocksAll stock screens
Run Stock Screener Investing Guides