ORRF

Peers: MPB ACNB CCNE FRAF UVSP CZNC PFIS STBA SHBI FUNC

| Held by: AVUV SCHD VTI IWM DFSV DFAT VXF IWN KRE DFAS

Index	RUT
Market Cap	877.90M
Enterprise Value	-
Income	87.27M
Sales	360.28M
Book/sh	30.77
Cash/sh	-
Dividend Est.	1.40 (3.14%)
Dividend TTM	1.17 (2.62%)
Dividend Ex-Date	Nov 03, 2026
Dividend Gr. 3/5Y	11.73% 9.28%
Payout	25.37%
Employees	627
IPO	Aug 25, 1998

P/E	9.94
Forward P/E	9.84
PEG	3.07
P/S	2.44
P/B	1.45
P/C	-
P/FCF	10.25
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.16
Debt/Eq	0.70
LT Debt/Eq	0.70
Option/Short	Yes / Yes

EPS (ttm)	4.49
EPS next Y	4.54
EPS next Q	1.14
EPS this Y	3.79%
EPS next Y	2.12%
EPS next 5Y	3.20%
EPS past 3/5Y	26.61% 11.74%
Sales past 3/5Y	37.82% 22.75%
EPS Y/Y TTM	18.66%
Sales Y/Y TTM	1.02%
EPS Q/Q	3.61%
Sales Q/Q	0.72%
Earnings	Oct 20 AMC
EPS/Sales Surpr.	6.56% 0.75%

Insider Own	4.94%
Insider Trans	-0.57%
Inst Own	60.58%
Inst Trans	-1.69%
ROA	1.56%
ROE	14.83%
ROIC	8.47%
Gross Margin	-
Oper. Margin	29.97%
Profit Margin	24.22%
SMA20	5.06%
SMA50	5.93%
SMA200	13.75%
Trades

Shs Outstand	19.67M
Shs Float	18.70M
Short Float	2.56%
Short Ratio	5.04
Short Interest	0.48M
52W High	45.40 -1.70%
52W Low	32.50 37.32%
Volatility	2.81% 2.51%
ATR (14)	1.06
RSI (14)	68.41
Beta	0.70
Rel Volume	0.57
Avg Volume	94.85K
Volume	10,001

Perf Week	0.77%
Perf Month	8.77%
Perf Quarter	2.13%
Perf Half Y	20.01%
Perf YTD	26.00%
Perf Year	34.79%
Perf 3Y	111.12%
Perf 5Y	88.23%
Perf 10Y	117.71%
Recom	1.80
Target Price	46.75
Prev Close	44.44
Price	44.63
Change %	0.43%

Consensus

Buy

Avg. Price Target

$46.75

Implied Upside

+4.8%

Analysts8incl. previous ratings

Rating Distribution5 Buy · 3 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Jul 27, 2026	Reiterated	HHovde Group	Outperform	$42 → $46	+3.1%
Jul 09, 2026	Initiated	RRaymond James	Mkt Perform
May 15, 2026	Initiated	DDA Davidson	Neutral	$41	-8.1%
Feb 02, 2026	Reiterated	HHovde Group	Outperform	$40 → $42	-5.9%
May 14, 2025	Reiterated	HHovde Group	Outperform	$35 → $37	-17.1%
Apr 30, 2025	Upgrade	HHovde Group	Market Perform → Outperform	$35	-21.6%
Apr 10, 2025	Initiated	RRaymond James	Outperform	$35	-21.6%
Jan 08, 2025	Resumed	PPiper Sandler	Overweight	$43	-3.7%
Nov 13, 2024	Downgrade	HHovde Group	Outperform → Market Perform
Oct 23, 2024	Reiterated	HHovde Group	Outperform	$37 → $42	-5.9%
Jul 24, 2024	Reiterated	HHovde Group	Outperform	$33 → $37	-17.1%
Jun 28, 2024	Initiated	JJanney	Buy	$32	-28.3%
Apr 24, 2024	Reiterated	HHovde Group	Outperform	$34 → $33	-26.1%
Nov 17, 2022	Resumed	PPiper Sandler	Neutral	$28	-37.3%
Sep 24, 2020	Initiated	BBoenning & Scattergood	Outperform
Mar 29, 2019	Downgrade	SSandler O'Neill	Buy → Hold	$22 → $21.50	-51.8%
Jul 27, 2017	Upgrade	KKeefe Bruyette	Mkt Perform → Outperform
Sep 12, 2016	Downgrade	KKeefe Bruyette	Outperform → Mkt Perform
Jul 13, 2015	Initiated	KKeefe Bruyette	Outperform
Mar 19, 2013	Reiterated	BBoenning & Scattergood	Outperform	$14 → $18.50	-58.5%

Oct-26-26 04:05PM	Orrstown Financial Services Named to the Fortune 100 Fastest-Growing Companies List (GlobeNewswire)
Oct-21-26 11:37AM	Orrstown Beats On Margin Expansion And Sets A Higher 2027 NIM Target, But Rising Rates Are Also Straining Funding And Tangible Book (Earnings Whispers)
Oct-20-26 04:13PM	Orrstown: Q3 Earnings Snapshot (Associated Press)
04:05PM	Orrstown Financial Services, Inc. Reports Third Quarter 2026 Results (GlobeNewswire)
Oct-07-26 04:05PM	Orrstown Financial Services, Inc. Announces Date of Third Quarter 2026 Earnings Release, Conference Call and Webcast (GlobeNewswire)
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Sep-28-26 08:30AM	Orrstown Bank Launches Redesigned Website to Enhance Client Experience and Strengthen Community Connections (GlobeNewswire)
Jul-22-26 05:01PM	Orrstown Financial Services Inc (ORRF) Q2 2026 Earnings Call Highlights: Record Wealth ... (GuruFocus.com)
Jul-21-26 04:16PM	Orrstown: Q2 Earnings Snapshot (Associated Press)
04:05PM	Orrstown Financial Services, Inc. Reports Second Quarter 2026 Results (GlobeNewswire)
Jul-09-26 04:05PM	Orrstown Financial Services, Inc. Announces Date of Second Quarter 2026 Earnings Release, Conference Call and Webcast (GlobeNewswire)
Jun-02-26 08:00AM	Adam L. Metz Named President and Chief Executive Officer at Orrstown Bank (GlobeNewswire)
Apr-23-26 03:03AM	Orrstown Financial Services Inc (ORRF) Q1 2026 Earnings Call Highlights: Strong Net Income and ... (GuruFocus.com)
Apr-21-26 04:44PM	Orrstown: Q1 Earnings Snapshot (Associated Press)
04:05PM	Orrstown Financial Services, Inc. Reports First Quarter 2026 Results (GlobeNewswire)
Apr-13-26 04:05PM	Orrstown Financial Services, Inc. Announces Date of First Quarter 2026 Earnings Release, Conference Call and Webcast (GlobeNewswire)
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Apr-02-26 08:00AM	Orrstown Financial Services, Inc. Ranked #1 in Pennsylvania and #12 Nationally in the S&P Global Market Intelligence 2025 Ranking of Top 50 Best-Performing Community Banks (GlobeNewswire)
Jan-28-26 04:01PM	Orrstown Financial Services Inc (ORRF) Q4 2025 Earnings Call Highlights: Record Net Income and ... (GuruFocus.com)
10:09AM	Orrstown Financial Services Q4 Earnings Call Highlights (MarketBeat)
Jan-27-26 07:30PM	Here's What Key Metrics Tell Us About Orrstown (ORRF) Q4 Earnings (Zacks)
05:50PM	Orrstown Financial Services (ORRF) Q4 Earnings and Revenues Beat Estimates (Zacks)
04:58PM	Orrstown: Q4 Earnings Snapshot (Associated Press Finance)
04:17PM	Orrstown Financial Services, Inc. Reports Fourth Quarter 2025 Results and Announces Dividend Increase (GlobeNewswire)
Jan-20-26 04:05PM	Orrstown Financial Services, Inc. Announces Date of Fourth Quarter 2025 Earnings Release, Conference Call and Webcast (GlobeNewswire)
Jan-12-26 08:30AM	Orrstown Financial Advisors Announces New Office Opening in Chambersburg, PA (GlobeNewswire)
Jan-06-26 04:37PM	Orrstown Financial Advisors Welcomes Matthew Alpert as Chief Wealth Officer (GlobeNewswire)
Nov-12-25 04:05PM	Michael Tschudy Joins Orrstown Bank as C&I Team Leader in York Region (GlobeNewswire)
Oct-22-25 03:04PM	Orrstown Financial Services Inc (ORRF) Q3 2025 Earnings Call Highlights: Record Earnings and ... (GuruFocus.com)
Oct-21-25 07:00PM	Orrstown (ORRF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
06:20PM	Orrstown Financial Services (ORRF) Tops Q3 Earnings and Revenue Estimates (Zacks)
05:19PM	Orrstown: Q3 Earnings Snapshot (Associated Press Finance)
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04:05PM	Orrstown Financial Services, Inc. Reports Third Quarter 2025 Results (GlobeNewswire)
09:29AM	Orrstown Financial Services Inc (ORRF) Q3 2025: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Oct-20-25 12:10PM	Will Orrstown (ORRF) Beat Estimates Again in Its Next Earnings Report? (Zacks)
09:21AM	Orrstown Financial Services Inc (ORRF) Q3 2025 Earnings Report Preview: What To Look For (GuruFocus.com)
Oct-17-25 11:45AM	Orrstown Financial Services (ORRF) Could Be a Great Choice (Zacks)
Oct-16-25 10:00AM	Eastern Bankshares, Inc. (EBC) Earnings Expected to Grow: Should You Buy? (Zacks)
Oct-15-25 04:05PM	Orrstown Financial Services, Inc. Announces Date of Third Quarter 2025 Earnings Release, Conference Call and Webcast (GlobeNewswire)
Oct-01-25 11:45AM	Are You Looking for a High-Growth Dividend Stock? (Zacks)
Sep-18-25 04:11PM	Implied Volatility Surging for Orrstown Financial Services Stock Options (Zacks)
Sep-16-25 09:10AM	Best Income Stocks to Buy for September 16th (Zacks)
Sep-15-25 11:45AM	Why Orrstown Financial Services (ORRF) is a Great Dividend Stock Right Now (Zacks)
Sep-05-25 09:03AM	Best Income Stocks to Buy for September 5th (Zacks)
Aug-28-25 11:45AM	Why Orrstown Financial Services (ORRF) is a Top Dividend Stock for Your Portfolio (Zacks)
Aug-12-25 11:45AM	Orrstown Financial Services (ORRF) is a Top Dividend Stock Right Now: Should You Buy? (Zacks)
Aug-11-25 09:55AM	Orrstown (ORRF) Forms 'Hammer Chart Pattern': Time for Bottom Fishing? (Zacks)
Jul-24-25 11:45AM	This is Why Orrstown Financial Services (ORRF) is a Great Dividend Stock (Zacks)
Jul-22-25 05:25PM	Orrstown Financial Services (ORRF) Q2 Earnings and Revenues Top Estimates (Zacks) +7.67%
04:25PM	Orrstown: Q2 Earnings Snapshot (Associated Press Finance)
04:12PM	Orrstown Financial Services, Inc. Reports Second Quarter 2025 Results and Announces Dividend Increase (GlobeNewswire)
09:35AM	Orrstown Financial Services Inc (ORRF) Q2 2025 Earnings Report Preview: What to Expect (GuruFocus.com)
Jul-21-25 09:24AM	Orrstown Financial Services Inc (ORRF) Q2 2025 Earnings Report Preview: What To Expect (GuruFocus.com)
Jul-15-25 04:05PM	Orrstown Financial Services, Inc. Announces Date of Second Quarter 2025 Earnings Release, Conference Call and Webcast (GlobeNewswire)
Jun-23-25 08:30AM	Orrstown Financial Services, Inc. Approves Stock Repurchase Program (GlobeNewswire) +5.06%
Jun-05-25 05:33PM	Orrstown Bank Promotes Zachary Khuri to Chief Revenue Officer and Joshua Hocker to Market President for the Central Pennsylvania Region (GlobeNewswire)
May-03-25 01:26AM	Dividend Champion, Contender, And Challenger Highlights: Week Of May 4 (Seeking Alpha)
Apr-24-25 05:11AM	Q1 2025 Orrstown Financial Services Inc Earnings Call (Thomson Reuters StreetEvents)
03:03AM	Orrstown Financial Services Inc (ORRF) Q1 2025 Earnings Call Highlights: Strong Core Earnings ... (GuruFocus.com)
Apr-23-25 02:47PM	Orrstown Financial Services, Inc. (ORRF) Q1 2025 Earnings Call Transcript (Seeking Alpha)
09:30AM	Orrstown (ORRF) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
Apr-22-25 05:10PM	Orrstown Financial Services (ORRF) Q1 Earnings Beat Estimates (Zacks)
04:15PM	Orrstown: Q1 Earnings Snapshot (Associated Press Finance)
04:02PM	Orrstown Financial Services, Inc. Reports First Quarter 2025 Results (GlobeNewswire)
Apr-17-25 04:09PM	Orrstown Financial Services, Inc. Announces Date of First Quarter 2025 Earnings Release, Conference Call and Webcast (GlobeNewswire)
10:00AM	Atlantic Union (AUB) Earnings Expected to Grow: Should You Buy? (Zacks)
Apr-16-25 11:04PM	Orrstown Financial: Downgrading And Revising Downward The Earnings Estimate Because Of Uncertain Policies (Seeking Alpha)
Apr-15-25 05:40PM	Equity Bancshares (EQBK) Q1 Earnings and Revenues Surpass Estimates (Zacks)
10:00AM	Orrstown Financial Services (ORRF) Earnings Expected to Grow: Should You Buy? (Zacks)
Mar-12-25 11:44AM	Implied Volatility Surging for Orrstown Financial Services (ORRF) Stock Options (Zacks)
Feb-13-25 04:30PM	Orrstown Financial Services, Inc. Announces Promotion of Adam Metz to Senior Executive Vice President and Chief Operating Officer (GlobeNewswire)
Feb-03-25 04:19PM	Orrstown Financial Services, Inc. Announces Appointment of Barbara Brobst to the Board of Directors (GlobeNewswire)
11:45AM	Orrstown Financial Services (ORRF) Could Be a Great Choice (Zacks)
Jan-31-25 08:35AM	Orrstown Financial Services (ORRF) Q4 Earnings and Revenues Miss Estimates (Zacks)
07:42AM	Orrstown: Q4 Earnings Snapshot (Associated Press Finance)
07:22AM	Orrstown Financial Services, Inc. Reports Fourth Quarter 2024 Results (GlobeNewswire)
Jan-21-25 10:00AM	Orrstown Financial Services (ORRF) to Report Q4 Results: Wall Street Expects Earnings Growth (Zacks)
Jan-16-25 07:03PM	Orrstown Bank Welcomes Chris Orr as Chief Information Officer and Ben Colvard as Chief Operations Officer (GlobeNewswire)
Dec-20-24 09:14AM	Are Options Traders Betting on a Big Move in Orrstown Financial (ORRF) Stock? (Zacks)
Nov-14-24 09:56AM	Are Options Traders Betting on a Big Move in Orrstown Financial Services (ORRF) Stock? (Zacks)
Nov-07-24 12:00PM	Are You Looking for a Top Momentum Pick? Why Orrstown Financial Services (ORRF) is a Great Choice (Zacks)
Oct-30-24 12:20PM	Earnings Estimates Moving Higher for Orrstown (ORRF): Time to Buy? (Zacks)
Oct-22-24 05:35PM	Orrstown Financial Services (ORRF) Surpasses Q3 Earnings and Revenue Estimates (Zacks)
04:36PM	Orrstown: Q3 Earnings Snapshot (Associated Press Finance)
04:20PM	Orrstown Financial Services, Inc. Reports Third Quarter 2024 Results (GlobeNewswire)
Sep-27-24 11:45AM	Why Orrstown Financial Services (ORRF) is a Great Dividend Stock Right Now (Zacks)
Sep-11-24 11:45AM	Why Orrstown Financial Services (ORRF) is a Top Dividend Stock for Your Portfolio (Zacks)
Aug-26-24 11:45AM	Orrstown Financial Services (ORRF) is a Top Dividend Stock Right Now: Should You Buy? (Zacks)
Aug-09-24 11:45AM	This is Why Orrstown Financial Services (ORRF) is a Great Dividend Stock (Zacks)
Jul-23-24 09:53PM	ORRF Stock Earnings: Orrstown Finl Servs Beats EPS, Beats Revenue for Q2 2024 (InvestorPlace)
05:35PM	Orrstown Financial Services (ORRF) Q2 Earnings and Revenues Surpass Estimates (Zacks)
04:33PM	Orrstown: Q2 Earnings Snapshot (Associated Press Finance)
04:05PM	Orrstown Financial Services, Inc. Reports Second Quarter 2024 Results and Increases Quarterly Dividend by $0.03 per Share (GlobeNewswire)
Jul-16-24 10:00AM	Earnings Preview: Orrstown Financial Services (ORRF) Q2 Earnings Expected to Decline (Zacks) +5.20%
Jul-01-24 08:30AM	Orrstown Financial Services and Codorus Valley Bancorp Successfully Complete Merger of Equals (GlobeNewswire)
Jun-17-24 08:30AM	Orrstown Financial Services, Inc. and Codorus Valley Bancorp, Inc. Announce Receipt of Regulatory Approvals for Merger of Equals (GlobeNewswire)
May-30-24 04:15PM	Orrstown Financial Services, Inc. and Codorus Valley Bancorp, Inc. Announce Receipt of Shareholder Approvals for Merger of Equals (GlobeNewswire)
Apr-25-24 06:03PM	Codorus Valley Bancorp Inc (CVLY) Reports Q1 2024 Earnings: A Detailed Review Against Analyst ... (GuruFocus.com)
04:45PM	Codorus Valley Bancorp, Inc. Reports First Quarter 2024 Results (GlobeNewswire)
Apr-23-24 05:35PM	Orrstown Financial Services Inc (ORRF) Exceeds Earnings Expectations in Q1 2024 (GuruFocus.com)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Rice Michael John	Director	Aug 06 '26	Sale	43.16	2,530	109,195	22,022	Aug 07 04:01 PM
Michael J. Rice	Director	Aug 06 '26	Proposed Sale	43.31	2,530	109,574		Aug 06 08:00 AM
DOLL AMY	EVP, Chief Admin. Officer	Jul 24 '26	Option Exercise	24.29	3,002	72,905	28,671	Jul 28 06:26 PM
DOLL AMY	EVP, Chief Admin. Officer	Jul 27 '26	Sale	41.61	3,002	124,913	25,669	Jul 28 06:26 PM
Amy Doll	affiliate	Jul 27 '26	Proposed Sale	41.61	3,002	124,908		Jul 27 12:15 PM
Brunner Brian D	Director	Mar 18 '26	Buy	34.02	1,000	34,017	50,529	Mar 19 04:17 PM
Holt Christopher D	EVP, Market President	Mar 11 '26	Sale	34.29	7,820	268,148	12,616	Mar 12 04:21 PM
Christopher D. Hold	affiliate	Mar 11 '26	Proposed Sale	34.29	7,820	268,173		Mar 11 03:03 PM
Quinn Thomas R Jr	President & CEO	Feb 19 '26	Sale	37.43	10,373	388,261	87,202	Feb 19 04:07 PM
Quinn Thomas R Jr	President & CEO	Feb 18 '26	Sale	37.70	28	1,055	97,575	Feb 19 04:07 PM
Thomas R. Quinn Jr	affiliate	Feb 18 '26	Proposed Sale	37.85	10,401	393,678		Feb 18 02:56 PM
Messick John Rodney	Director	Feb 05 '26	Sale	38.62	2,500	96,550	7,167	Feb 09 04:02 PM
Messick John Rodney	Director	Feb 05 '26	Proposed Sale	37.80	2,500	94,500		Feb 04 05:09 PM
BROWN SARAH M	Director	Feb 02 '26	Buy	36.21	406	14,701	9,866	Feb 04 11:20 AM

Orrstown Financial Services, Inc. is a holding company, which engages in the provision of consumer and business financial services. It also offers commercial banking and trust business services which involves accepting demand, time and savings deposits, and granting loans. The company was founded on November 17, 1987 and is headquartered in Harrisburg, PA.

PresidentMr. Adam L. Metz

Executive VPMr. Neelesh Kalani CPA

Executive VP & Chief Administrative OfficerMs. Amy L. Doll

Executive VP & Market President for the Maryland RegionMr. Christopher D. Holt

Executive VP & Chief Operations OfficerMr. Benjamin Colvard IV

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Orrstown Financial Services Inc

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