NCM · Banks - Regional

ORRF (ORRF) Stock

$42.73 -0.14% NCM: ORRF Financial Services

Valuation

MetricValue
Price$42.73
Market Cap$839.55M
P/E Ratio8.44
P/B Ratio1.20
P/S Ratio2.02
EPS (TTM)$4.37
52-Week High$42.73
52-Week Low$30.08
Dividend Yield3.10%

Financials & Margins

MetricValue
ROE14.90%
ROA1.54%
ROCE17.43%
Gross Margin29.10%
Operating Margin29.10%
Net Margin23.68%
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 Ratio3.16
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
BCAL $21.21 +0.90% 9.85 $682.22M 1.05%
CAC $57.85 +5.55% 12.57 $978.51M 3.41%
CCBG $52.84 +1.48% 13.01 $903.64M 2.24%
GSBC $80.65 -0.95% 11.27 $878.54M 2.45%
HTBKHeritage Commerce Corp $13.45 +3.07% 17.24 $828.43M 7.73%

About ORRF

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

ORRF stock trades at $42.73 with a market capitalization of $839.55M. The stock is valued at a price-to-earnings (P/E) ratio of 8.44, price-to-book of 1.20, price-to-sales of 2.02. Over the past 52 weeks the stock has ranged between $30.08 and $42.73, and currently trades at its 52-week high. It pays a dividend yielding 3.10%.

On profitability, ORRF generates a return on equity (ROE) of 14.90%, above the typical market average, return on capital employed of 17.43%, an operating margin of 29.10%, a net profit margin of 23.68%.

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