Orrstown Financial Services Stock Analysis

ORRF Stock  USD 36.44  2.53  7.46%   
Orrstown Financial Services is undervalued with Real Value of 37.66 and Target Price of 36.8. The main objective of Orrstown Financial stock analysis is to determine its intrinsic value, which is an estimate of what Orrstown Financial Services is worth, separate from its market price. There are two main types of Orrstown Financial's stock analysis: fundamental analysis and technical analysis.
The Orrstown Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Orrstown Financial's ongoing operational relationships across important fundamental and technical indicators.
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Orrstown Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.

Orrstown Stock Analysis Notes

About 57.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.23. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Orrstown Financial last dividend was issued on the 6th of May 2025. The entity had 105:100 split on the 23rd of May 2007. Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania. Orrstown Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 412 people. To find out more about Orrstown Financial Services contact Thomas Quinn at 888 688 7844 or learn more at https://www.orrstown.com.

Orrstown Financial Quarterly Total Revenue

87.14 Million

Orrstown Financial Investment Alerts

Orrstown Financial has a poor financial position based on the latest SEC disclosures
About 57.0% of the company shares are owned by institutional investors
Latest headline from finance.yahoo.com: Orrstown Financial Services Q2 Earnings and Revenues Top Estimates

Orrstown Financial Upcoming and Recent Events

23rd of April 2024
Upcoming Quarterly Report
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23rd of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
28th of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

Orrstown Largest EPS Surprises

Earnings surprises can significantly impact Orrstown Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2012-10-29
2012-09-30-0.16-0.18-0.0212 
2017-04-27
2017-03-310.210.240.0314 
2016-01-28
2015-12-310.220.18-0.0418 
View All Earnings Estimates

Orrstown Financial Environmental, Social, and Governance (ESG) Scores

Orrstown Financial's ESG score is a quantitative measure that evaluates Orrstown Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Orrstown Financial's operations that may have significant financial implications and affect Orrstown Financial's stock price as well as guide investors towards more socially responsible investments.

Orrstown Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Fmr Inc2025-03-31
221.6 K
Petiole Usa Ltd2025-03-31
177 K
Morgan Stanley - Brokerage Accounts2025-03-31
176.6 K
Northern Trust Corp2025-03-31
169.2 K
Qube Research & Technologies2025-03-31
156 K
Charles Schwab Investment Management Inc2025-03-31
154.9 K
Bridgeway Capital Management, Llc2025-03-31
145.8 K
Alliancebernstein L.p.2025-03-31
126.2 K
Two Sigma Investments Llc2025-03-31
121.5 K
Fourthstone Llc2025-03-31
1.8 M
Blackrock Inc2025-03-31
1.5 M
Note, although Orrstown Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Orrstown Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 661.53 M.

Orrstown Profitablity

The company has Profit Margin (PM) of 0.15 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.46 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.46.
Last ReportedProjected for Next Year
Return On Capital Employed 0.04  0.03 
Return On Equity 0.04  0.04 

Management Efficiency

The current Return On Tangible Assets is estimated to decrease to 0. The current Return On Capital Employed is estimated to decrease to 0.03. At this time, Orrstown Financial's Non Currrent Assets Other are most likely to increase significantly in the upcoming years. The Orrstown Financial's current Total Current Assets is estimated to increase to about 1.2 B, while Other Current Assets are projected to decrease to roughly 67.4 M. Orrstown Financial's management efficiency ratios could be used to measure how well Orrstown Financial manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 35.00  36.75 
Tangible Book Value Per Share 27.15  28.51 
Enterprise Value Over EBITDA 13.37  16.50 
Price Book Value Ratio 1.05  0.99 
Enterprise Value Multiple 13.37  16.50 
Price Fair Value 1.05  0.99 
Enterprise Value236.5 M248.4 M
The strategic initiatives led by Orrstown Financial's management are central to its market success. By analyzing these initiatives, we provide a clear picture of the stock's growth prospects.
Dividend Yield
0.0274
Operating Margin
0.4572
Profit Margin
0.1548
Forward Dividend Yield
0.031
Beta
0.786

Technical Drivers

As of the 23rd of July, Orrstown Financial holds the Coefficient Of Variation of 362.93, risk adjusted performance of 0.2521, and Semi Deviation of 0.712. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Orrstown Financial, as well as the relationship between them. Please check Orrstown Financial information ratio, potential upside, as well as the relationship between the Potential Upside and kurtosis to decide if Orrstown Financial is priced some-what accurately, providing market reflects its current price of 36.44 per share. Given that Orrstown Financial has jensen alpha of 0.1968, we recommend you to check out Orrstown Financial's recent market performance to make sure the company can sustain itself at a future point.

Orrstown Financial Price Movement Analysis

The output start index for this execution was thirty-two with a total number of output elements of twenty-nine. The MESA Adaptive Moving Average indicator adapts to Orrstown Financial price movement based on the rate change of phase as measured by the Hilbert Transform Discriminator.

Orrstown Financial Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Orrstown Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Orrstown Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Orrstown Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Orrstown Financial Outstanding Bonds

Orrstown Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Orrstown Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Orrstown bonds can be classified according to their maturity, which is the date when Orrstown Financial Services has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Orrstown Financial Predictive Daily Indicators

Orrstown Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Orrstown Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Orrstown Financial Corporate Filings

11th of July 2025
Other Reports
ViewVerify
F4
3rd of July 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
2nd of July 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
23rd of June 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F3
20th of June 2025
The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock
ViewVerify
F4
5th of June 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
13th of May 2025
Other Reports
ViewVerify
10Q
9th of May 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify

Orrstown Financial Forecast Models

Orrstown Financial's time-series forecasting models are one of many Orrstown Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Orrstown Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Orrstown Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Orrstown Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Orrstown shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Orrstown Financial. By using and applying Orrstown Stock analysis, traders can create a robust methodology for identifying Orrstown entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.10  0.09 
Operating Profit Margin 0.10  0.09 
Net Profit Margin 0.08  0.07 
Gross Profit Margin 0.61  0.51 

Current Orrstown Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Orrstown analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Orrstown analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
36.8Strong Buy5Odds
Orrstown Financial Services current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Orrstown analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Orrstown stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Orrstown Financial, talking to its executives and customers, or listening to Orrstown conference calls.
Orrstown Analyst Advice Details

Orrstown Stock Analysis Indicators

Orrstown Financial Services stock analysis indicators help investors evaluate how Orrstown Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Orrstown Financial shares will generate the highest return on investment. By understating and applying Orrstown Financial stock analysis, traders can identify Orrstown Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow65.2 M
Total Stockholder Equity516.7 M
Property Plant And Equipment Net50.2 M
Cash And Short Term Investments1.1 B
Cash248.9 M
50 Day M A31.4554
Net Interest Income155.3 M
Total Current Liabilities4.6 B
Forward Price Earnings8.8889
Investments61 M
Interest Expense93.7 M
Stock Based Compensation8.7 M
Long Term Debt184 M
Common Stock Shares Outstanding14.9 M
Total Cashflows From Investing Activities61 M
Tax Provision5.8 M
Quarterly Earnings Growth Y O Y0.148
Free Cash Flow33.4 M
Net Debt-39 M
Other Operating Expenses256.3 M
Non Current Assets Total4.3 B
Liabilities And Stockholders Equity5.4 B
Non Currrent Assets Other244.1 M

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