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Orrstown Financial Services, Inc.

Data quality: 100%
ORRF
NASDAQ Financial Services Banks - Regional
$35.43
▲ $0.67 (1.93%)
Mkt Cap: 695.13M
Day Range
$34.86 $36.12
52-Week Range
$25.57 $40.72
Volume
177,940
50D / 200D Avg
$36.42 / $34.63
Prev Close
$34.76

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 8.6 10.3
P/B 1.2 1.1
ROE % 14.6 11.7
Net Margin % 22.9 16.8
Rev Growth 5Y % 30.6 11.7
D/E 0.6 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $4.34
$4.28 – $4.40
270 M 3
FY2026 $4.22
$4.15 – $4.28
260 M 3

Insider Trading Activity

17 transactions
Date Insider Type Shares Price Value
Feb 17, 2026
Colvard Benjamin H IV
EVP, Chief Operations Officer
grant 3,094
Feb 17, 2026
Coradi Robert G
EVP, Chief Risk Officer
grant 6,021
Feb 17, 2026
Jaeger Michael
EVP, Chief Experience Officer
other 399 $37.64 $15,018
Feb 17, 2026
Jaeger Michael
EVP, Chief Experience Officer
grant 2,165
Feb 17, 2026
Hocker Joshua D
EVP, Market President
grant 2,769
Feb 17, 2026
DOLL AMY
EVP, Chief Admin. Officer
other 397 $37.64 $14,943
Feb 17, 2026
DOLL AMY
EVP, Chief Admin. Officer
grant 5,083
Feb 17, 2026
Knisely Heather K.
Chief Human Resources Officer
other 278 $37.64 $10,464
Feb 17, 2026
Knisely Heather K.
Chief Human Resources Officer
grant 3,436
Feb 17, 2026
Mulcahy Sean
Chief Accounting Officer
other 162 $37.64 $6,098
Feb 17, 2026
Mulcahy Sean
Chief Accounting Officer
grant 867
Jan 29, 2026
Rice Michael John
Director
grant 1,000
Jan 29, 2026
ZULLINGER JOEL R
Director
grant 2,000
Jul 28, 2025
Metz Adam L
SEVP, Chief Operating Officer
other 2,940 $34.55 $101,577
May 6, 2025
BROWN SARAH M
Director
grant 1,500
May 6, 2025
BROBST BARBARA E
Director
grant 1,500
May 6, 2025
Colvard Benjamin H IV
EVP, Chief Operations Officer
grant 2,500

Key Takeaways

Revenue grew 30.60% annually over 5 years — strong growth
Earnings grew 266.69% over the past year
ROE of 14.59% — decent returns on equity
Net margin of 22.85% shows strong profitability
Generating 70.50M in free cash flow
P/E of 8.60 — trading at a low valuation

Growth

Revenue Growth (5Y)
30.60%
Revenue (1Y)24.56%
Earnings (1Y)266.69%
FCF Growth (3Y)30.48%

Quality

Return on Equity
14.59%
ROIC8.30%
Net Margin22.85%
Op. Margin29.03%

Safety

Debt / Equity
0.57
Current Ratio1.13
Interest Coverage0.99

Valuation

P/E Ratio
8.60
P/B Ratio1.18
EV/EBITDA9.63
Dividend Yield0.04%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 24.56% Revenue Growth (3Y) 42.49%
Earnings Growth (1Y) 266.69% Earnings Growth (3Y) 50.57%
Revenue Growth (5Y) 30.60% Earnings Growth (5Y) 25.22%
Profitability
Revenue (TTM) 353.86M Net Income (TTM) 80.86M
ROE 14.59% ROA 1.46%
Gross Margin 70.64% Operating Margin 29.03%
Net Margin 22.85% Free Cash Flow (TTM) 70.50M
ROIC 8.30% FCF Growth (3Y) 30.48%
Safety
Debt / Equity 0.57 Current Ratio 1.13
Interest Coverage 0.99 Dividend Yield 0.04%
Valuation
P/E Ratio 8.60 P/B Ratio 1.18
P/S Ratio 1.96 PEG Ratio 0.04
EV/EBITDA 9.63 Dividend Yield 0.04%
Market Cap 695.13M Enterprise Value 989.41M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 353.86M 284.09M 174.30M 134.32M 121.65M
Net Income 80.86M 22.05M 35.66M 22.04M 32.88M
EPS (Diluted) 4.35 1.48 3.42 2.06 2.96
Gross Profit 249.97M 173.86M 127.62M 121.11M 113.83M
Operating Income 102.71M 27.81M 45.03M 26.62M 40.90M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 5.54B 5.44B 3.06B 2.92B 2.83B
Total Liabilities 4.95B 4.92B 2.80B 2.69B 2.56B
Shareholders' Equity 591.54M 516.68M 265.06M 228.90M 271.66M
Total Debt 336.37M 209.91M 179.38M 155.42M 57.16M
Cash & Equivalents 42.08M 248.87M 65.16M 60.82M 208.71M
Current Assets 1.02B 1.10B 592.31M 585.58M 689.38M
Current Liabilities 895.45M 4.65B 2.57B 2.49B 2.49B

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#634 of 1024
39

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026