Orrstown Financial Services, Inc. (ORRF)

ORRF Statistics

Total Valuation

ORRF has a market cap or net worth of $761.17 million. The enterprise value is $929.23 million.

Market Cap	761.17M
Enterprise Value	929.23M

Important Dates

The last earnings date was Tuesday, January 27, 2026, after market close.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	Feb 10, 2026

Share Statistics

ORRF has 19.51 million shares outstanding. The number of shares has increased by 29.78% in one year.

Current Share Class	19.51M
Shares Outstanding	19.51M
Shares Change (YoY)	+29.78%
Shares Change (QoQ)	+0.10%
Owned by Insiders (%)	4.53%
Owned by Institutions (%)	50.95%
Float	17.16M

Valuation Ratios

The trailing PE ratio is 9.25 and the forward PE ratio is 9.17.

PE Ratio	9.25
Forward PE	9.17
PS Ratio	2.90
Forward PS	3.25
PB Ratio	1.26
P/TBV Ratio	1.54
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.49
EV / Sales	3.69
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.59%.

Return on Equity (ROE)	14.59%
Return on Assets (ROA)	1.47%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.97%
Revenue Per Employee	$400,125
Profits Per Employee	$128,341
Employee Count	630
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ORRF has paid $21.78 million in taxes.

Income Tax	21.78M
Effective Tax Rate	21.22%

Stock Price Statistics

The stock price has increased by +4.76% in the last 52 weeks. The beta is 0.81, so ORRF's price volatility has been lower than the market average.

Beta (5Y)	0.81
52-Week Price Change	+4.76%
50-Day Moving Average	36.36
200-Day Moving Average	33.56
Relative Strength Index (RSI)	61.00
Average Volume (20 Days)	316,909

Short Selling Information

The latest short interest is 295,327, so 1.51% of the outstanding shares have been sold short.

Short Interest	295,327
Short Previous Month	276,204
Short % of Shares Out	1.51%
Short % of Float	1.72%
Short Ratio (days to cover)	1.14

Income Statement

In the last 12 months, ORRF had revenue of $252.08 million and earned $80.86 million in profits. Earnings per share was $4.18.

Revenue	252.08M
Gross Profit	252.08M
Operating Income	117.94M
Pretax Income	102.64M
Net Income	80.86M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.18

Balance Sheet

The company has $149.77 million in cash and $336.37 million in debt, with a net cash position of -$186.59 million or -$9.57 per share.

Cash & Cash Equivalents	149.77M
Total Debt	336.37M
Net Cash	-186.59M
Net Cash Per Share	-$9.57
Equity (Book Value)	591.54M
Book Value Per Share	30.32
Working Capital	-4.38B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	46.79%
Pretax Margin	40.72%
Profit Margin	32.08%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 3.10%.

Dividend Per Share	$1.20
Dividend Yield	3.10%
Dividend Growth (YoY)	19.57%
Years of Dividend Growth	10
Payout Ratio	26.32%
Buyback Yield	-29.78%
Shareholder Yield	-26.62%
Earnings Yield	10.89%
FCF Yield	n/a

Analyst Forecast

The average price target for ORRF is $42.00, which is 7.64% higher than the current price. The consensus rating is "Buy".

Price Target	$42.00
Price Target Difference	7.64%
Analyst Consensus	Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 23, 2007. It was a forward split with a ratio of 1.05:1.

Last Split Date	May 23, 2007
Split Type	Forward
Split Ratio	1.05:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2