Stocks · Financial Services · Banks - Regional
Orrstown Financial Services, Inc. ORRF
$41.67 +1.56% Close, Oct 2, 2026 · NASDAQ · Market cap $818.7M
Inexpensive vs sector
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $4.62, up 106.3% year over year.
- Operating margin widened to 29.9% from 15.3% a year earlier.
- Earnings beat analyst estimates in each of the last 6 quarters (average surprise over the last four: +6.5%).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth72Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 26%
- EPS growth (TTM, YoY)Top 10%
- FCF growth (TTM, YoY)Top 21%
- Revenue growth, 3-year CAGRTop 11%
- Revenue growth accelerationBottom 16%
Quality41Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 10%
- Gross marginTop 35%
- Operating marginTop 29%
- Cash conversion (OCF / net income)Bottom 40%
- Accruals (lower is better)Bottom 36%
- Net debt / EBITDA (lower is better)Bottom 43%
- Interest coverTop 48%
Value82Strong
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 12%
- Free-cash-flow yieldTop 33%
- EBITDA / enterprise valueTop 23%
- Sales / enterprise valueTop 43%
- P/E vs own 5-year history (lower is better)Top 48%
Momentum73Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 29%
- 6-month returnTop 30%
- 1-year return vs S&P 500Top 27%
- Distance from 52-week highTop 23%
- Trend checklist (0–4)Top 48%
Revisions38Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 40%
- Consecutive EPS beatsTop 20%
- Share of analysts rating BuyBottom 23%
- Upside to consensus price targetBottom 9%
Stability37Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 38%
- Maximum drawdown, 3 yearsBottom 31%
- Beta vs S&P 500 (lower is better)Bottom 34%
- Net debt / EBITDA (lower is better)Bottom 43%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 11.1% | 0.0% | ↓ |
| EPS growth (YoY) | 131.6% | 106.3% | ↓ |
| Gross margin | 64.4% | 71.0% | ↑ |
| Operating margin | 15.3% | 29.9% | ↑ |
| FCF margin | 13.0% | 23.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 0.0% | 11.1% | ↓ | Bottom 26% |
| EPS growth (TTM, YoY) | 106.3% | 131.6% | ↓ | Top 10% |
| Gross margin | 71.0% | 64.4% | ↑ | Top 35% |
| Operating margin | 29.9% | 15.3% | ↑ | Top 29% |
| Net margin | 24.1% | 12.1% | ↑ | — |
| Free-cash-flow margin | 23.9% | 13.0% | ↑ | — |
| Return on invested capital | -2.5% | — | Bottom 10% | |
| Revenue growth, 3-year CAGR | 38.1% | — | Top 11% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.02×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -0.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.91×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.72%
- Net buyback yield (TTM)
- 0.25%
- Shareholder yield
- 2.97%
- Share count change, 1 year
- +0.5%
- Share count change, 3-year CAGR
- +23.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 6
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +6.5%
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $41.00
- Target vs current price
- -1.6%
- Analysts with a rating
- 7
- Share rating Buy or Strong Buy
- 29%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +5.8% | +0.1% | +3.3% | +4.4% | — |
| Apr 21, 2026 | +10.9% | -2.5% | -3.9% | -7.3% | +8.8% |
| Jan 27, 2026 | +2.8% | +0.1% | +3.9% | +0.3% | -0.5% |
| Oct 21, 2025 | +6.6% | +0.2% | +2.6% | +1.0% | +11.3% |
| Jul 22, 2025 | +5.1% | +1.1% | +2.3% | -0.7% | +2.0% |
| Apr 22, 2025 | +5.3% | +3.0% | +7.8% | +15.6% | +25.2% |
| Jan 31, 2025 | -15.5% | -0.7% | -5.3% | -8.5% | -21.1% |
| Oct 22, 2024 | +22.0% | +0.1% | +3.8% | +10.4% | -0.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $1.09 | $1.03 | +5.8% | $62.7M |
| Apr 21, 2026 | $1.12 | $1.01 | +10.9% | $64.6M |
| Jan 27, 2026 | $1.11 | $1.08 | +2.8% | $64.9M |
| Oct 21, 2025 | $1.13 | $1.06 | +6.6% | $64.4M |
| Jul 22, 2025 | $1.04 | $0.99 | +5.1% | $62.4M |
| Apr 22, 2025 | $1.00 | $0.95 | +5.3% | $60.4M |
| Jan 31, 2025 | $0.87 | $1.03 | -15.5% | $61.8M |
| Oct 22, 2024 | $1.11 | $0.91 | +22.0% | $63.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.0× | 8.9× | 52th | Top 12% |
| P/E (forward) | 9.7× | — | — | — |
| EV / EBITDA | 8.9× | — | — | Top 23% |
| EV / Sales | 2.91× | — | — | Top 43% |
| Free-cash-flow yield | 10.47% | — | — | Top 33% |
| Earnings yield | 11.09% | — | — | Top 12% |
P/E over the past five years
Range 6.0× – 22.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +23.7%
- Earnings per share growth (TTM)
- +106.3%
- Change in P/E multiple
- -34.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 96
- 50-day average slope (20 days)
- +0.9%
- 200-day average slope (20 days)
- +1.5%
- Distance from 50-day average
- -1.5%
- Distance from 200-day average
- +8.0%
- RSI (14)
- 49.1
- Relative volume
- 0.81×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.5%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.84
- Correlation with S&P 500
- 0.50
- Current drawdown from 1-year high
- -4.6%
- Maximum drawdown, 3 years
- -36.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 6, 2022 | May 11, 2023 | -43.6% | 107 days | 150 days (Dec 14, 2023) |
| Nov 12, 2024 | Apr 11, 2025 | -36.4% | 102 days | 302 days (Jun 26, 2026) |
| Dec 28, 2023 | Apr 12, 2024 | -15.6% | 72 days | 64 days (Jul 16, 2024) |
| Aug 19, 2022 | Oct 11, 2022 | -14.7% | 36 days | 30 days (Nov 22, 2022) |
| May 21, 2021 | Apr 11, 2022 | -14.5% | 224 days | 68 days (Jul 20, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $818.7M
- P/E (TTM)
- 9.0
- EPS, diluted (TTM)
- $4.62
- Revenue (TTM)
- $358.7M
- Dividend yield
- 2.81%
- 52-week range
- $31.87 – $43.81
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $121.6M | $134.3M | $174.3M | $284.1M | $353.9M |
| Gross profit | $113.8M | $121.1M | $127.6M | $173.9M | $250.0M |
| Operating income | $40.9M | $26.6M | $45.0M | $27.8M | $102.7M |
| Net income | $32.9M | $22.0M | $35.7M | $22.1M | $80.9M |
| EPS (diluted) | $2.96 | $2.06 | $3.42 | $1.48 | $4.18 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $94.6M | $90.5M | $86.5M | $87.1M | $89.6M | $90.7M | $89.9M | $88.5M |
| Net income | -$7.9M | $13.7M | $18.1M | $19.4M | $21.9M | $21.5M | $21.8M | $21.2M |
| EPS (diluted) | -$0.41 | $0.71 | $0.93 | $1.01 | $1.13 | $1.28 | $1.12 | $1.09 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $40.8M | $36.2M | $43.7M | $35.0M | $74.7M |
| Capital expenditure | -$1.3M | -$895,000 | -$2.3M | -$1.6M | -$4.2M |
| Free cash flow | $39.6M | $35.3M | $41.4M | $33.4M | $70.5M |
| Dividends paid | -$8.3M | -$8.3M | -$8.5M | -$13.2M | -$20.6M |
| Net share buybacks | -$2.4M | -$14.5M | -$3.0M | -$2.4M | -$2.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.01B
- Total assets
- $5.61B
- Total liabilities
- $4.99B
- Total debt
- $282.4M
- Net debt
- $224.0M
- Shareholders’ equity
- $621.6M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 4, 2026 | $0.30 | Aug 11, 2026 |
| May 5, 2026 | $0.30 | May 12, 2026 |
| Feb 10, 2026 | $0.30 | Feb 17, 2026 |
| Nov 5, 2025 | $0.27 | Nov 12, 2025 |
| Aug 5, 2025 | $0.27 | Aug 12, 2025 |
| May 6, 2025 | $0.26 | May 13, 2025 |
| Feb 14, 2025 | $0.26 | Feb 21, 2025 |
| Nov 5, 2024 | $0.23 | Nov 12, 2024 |
Short interest
- Shares sold short
- 606,916
- Days to cover
- 8.10
- Change vs previous report
- +15.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 23, 2007
- 21-for-20
- Jun 1, 2005
- 21-for-20
- Feb 11, 2004
- 2-for-1
- May 8, 2003
- 21-for-20
- Jul 30, 2001
- 21-for-20