ORRF Stock Price, Orrstown Financial Services Quote, Chart

Market Summary

USD26.75-0.07

Delayed

-0.26%

ORRF Stock Price

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ORRF RSI Chart

ORRF Valuation

Market Cap

286.8M

Price/Earnings (Trailing)

8.18

Price/Sales (Trailing)

1.81

EV/EBITDA

0.93

Price/Free Cashflow

5.87

ORRF Price/Sales (Trailing)

ORRF Profitability

EBT Margin

28.05%

Return on Equity

12.9%

Return on Assets

1.1%

Free Cashflow Yield

17.03%

ORRF Fundamentals

ORRF Revenue

Revenue (TTM)

158.3M

Rev. Growth (Yr)

24.43%

Rev. Growth (Qtr)

6.55%

ORRF Earnings

Earnings (TTM)

35.0M

Earnings Growth (Yr)

-6.83%

Earnings Growth (Qtr)

11.62%

Breaking Down ORRF Revenue

Last 7 days

0.4%

Last 30 days

6.5%

Last 90 days

-1.3%

Trailing 12 Months

53.7%

How does ORRF drawdown profile look like?

ORRF Financial Health

Debt/Equity

0.15

Debt/Cashflow

1.27

ORRF Investor Care

Dividend Yield

2.99%

Dividend/Share (TTM)

0.8

Shares Dilution (1Y)

0.59%

Diluted EPS (TTM)

3.36

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	158.3M	0	0	0
2023	119.1M	130.7M	142.0M	149.9M
2022	93.6M	95.3M	100.5M	108.7M
2021	99.6M	98.2M	96.2M	93.7M
2020	97.3M	97.9M	97.2M	99.6M
2019	71.0M	80.2M	88.8M	93.0M
2018	53.9M	56.8M	59.9M	65.7M
2017	43.8M	46.0M	48.5M	51.5M
2016	39.4M	40.1M	40.8M	42.0M
2015	37.8M	37.8M	38.2M	38.6M
2014	37.2M	37.8M	38.3M	38.2M
2013	41.8M	39.2M	37.4M	37.1M
2012	58.1M	54.2M	49.5M	45.4M
2011	60.0M	61.0M	61.7M	60.4M
2010	0	54.9M	56.6M	58.4M
2009	0	0	0	53.1M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Orrstown Financial Services Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 30, 2024	joiner cindy jeannette	acquired	-	-	1,500	-
Apr 30, 2024	pugh andrea l	acquired	-	-	1,500	-
Apr 30, 2024	longenecker thomas d	acquired	-	-	1,500	-
Apr 30, 2024	keller mark k	acquired	-	-	1,500	-
Apr 30, 2024	segal eric andrew	acquired	-	-	1,500	-
Apr 30, 2024	stoner floyd e	acquired	-	-	1,500	-
Apr 30, 2024	snoke glenn w	acquired	-	-	1,500	-
Apr 30, 2024	modi meera r	acquired	-	-	1,500	-
Apr 30, 2024	rice michael john	acquired	-	-	1,500	-
Apr 30, 2024	zullinger joel r	acquired	-	-	2,600	-

Which funds bought or sold ORRF recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-38.87	-22,135	27,573	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-9.17	-487,886	2,287,710	-%
May 15, 2024	GOLDMAN SACHS GROUP INC	added	2.42	-47,393	623,821	-%
May 15, 2024	Royal Bank of Canada	reduced	-8.8	-144,000	690,000	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	3.02	-100,117	1,437,340	0.03%
May 15, 2024	ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	new	-	1,445,000	1,445,000	-%
May 15, 2024	MILLENNIUM MANAGEMENT LLC	sold off	-100	-491,854	-	-%
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-84.85	-20,152	3,212	-%
May 15, 2024	Cetera Advisor Networks LLC	reduced	-11.00	-206,384	866,679	-%
May 15, 2024	VISTA INVESTMENT MANAGEMENT	reduced	-1.22	-23,747	205,379	0.08%

Are Funds Buying or Selling ORRF?

Are funds buying ORRF calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own ORRF

No. of Funds

Unveiling Orrstown Financial Services Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	5.11%	542,423	SC 13G
Feb 09, 2024	fmr llc	-	0	SC 13G/A
Jan 26, 2024	blackrock inc.	7.5%	791,695	SC 13G/A
Apr 06, 2023	orrstown financial services inc	2.54%	270,472	SC 13G/A
Feb 09, 2023	fmr llc	-	0	SC 13G
Feb 01, 2023	blackrock inc.	6.8%	730,407	SC 13G/A
Apr 05, 2022	orrstown financial services inc	2.71%	302,897	SC 13G/A
Feb 01, 2022	blackrock inc.	6.5%	731,057	SC 13G/A
Apr 07, 2021	orrstown financial services inc	5.00%	560,497	SC 13G/A
Jan 29, 2021	blackrock inc.	7.1%	791,718	SC 13G/A

Recent SEC filings of Orrstown Financial Services Inc

View All Filings

Date Filed	Form Type	Document
May 09, 2024	10-Q	Quarterly Report
May 02, 2024	4	Insider Trading
May 02, 2024	4	Insider Trading
May 02, 2024	4	Insider Trading
May 02, 2024	4	Insider Trading
May 02, 2024	4	Insider Trading
May 02, 2024	4	Insider Trading
May 02, 2024	4	Insider Trading
May 02, 2024	4	Insider Trading
May 02, 2024	4	Insider Trading

Peers (Alternatives to Orrstown Financial Services Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Orrstown Financial Services Inc News

Latest updates

Orrstown Financial Services Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	6.6%	43.00	40.00	39.00	37.00	34.00	32.00	27.00	25.00	24.00	24.00	22.00	24.00	24.00	26.00	24.00	25.00	24.00	24.00	25.00	24.00	20.00
EBITDA Margin	-5.3%	0.97*	1.03*	1.11*	1.07*	1.14*	1.20*	1.22*	1.40*	1.41*	1.42*	1.44*	1.40*	-	-	-	-	-	-	-	-	-
Interest Expenses	3.3%	27.00	26.00	26.00	26.00	26.00	27.00	25.00	24.00	23.00	23.00	21.00	22.00	22.00	24.00	21.00	21.00	18.00	18.00	18.00	19.00	15.00
Income Taxes	7.6%	2.00	2.00	3.00	3.00	2.00	2.00	-1.57	2.00	2.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00
Earnings Before Taxes	10.8%	11.00	10.00	12.00	12.00	11.00	12.00	-6.40	11.00	10.00	9.00	9.00	11.00	13.00	13.00	6.00	8.00	6.00	5.00	8.00	3.00	3.00
EBT Margin	-6.6%	0.28*	0.30*	0.33*	0.22*	0.23*	0.24*	0.23*	0.40*	0.41*	0.44*	0.47*	0.43*	-	-	-	-	-	-	-	-	-
Net Income	11.6%	9.00	8.00	9.00	10.00	9.00	10.00	-4.83	9.00	8.00	7.00	7.00	9.00	10.00	10.00	5.00	6.00	5.00	4.00	7.00	3.00	3.00
Net Income Margin	-7.0%	0.22*	0.24*	0.27*	0.18*	0.19*	0.20*	0.19*	0.33*	0.33*	0.35*	0.38*	0.35*	-	-	-	-	-	-	-	-	-
Free Cashflow	-4.3%	13.00	13.00	8.00	15.00	5.00	-1.66	12.00	18.00	6.00	10.00	10.00	3.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	3.9%	3,183	3,064	3,054	3,008	3,012	2,922	2,852	2,824	2,901	2,835	2,870	2,913	2,964	2,751	2,782	2,773	2,388	2,383	2,314	2,400	1,973
Cash Equivalents	180.4%	183	65.00	95.00	76.00	98.00	61.00	67.00	112	214	209	311	337	326	125	87.00	52.00	57.00	56.00	50.00	116	77.00
Net PPE	-1.5%	29.00	29.00	29.00	30.00	29.00	29.00	31.00	33.00	34.00	34.00	34.00	35.00	35.00	35.00	35.00	37.00	37.00	38.00	43.00	42.00	38.00
Goodwill	0%	19.00	19.00	19.00	19.00	19.00	19.00	19.00	19.00	19.00	19.00	19.00	19.00	19.00	19.00	19.00	19.00	20.00	20.00	20.00	20.00	13.00
Liabilities	4.0%	2,912	2,799	2,811	2,763	2,771	2,694	2,635	2,587	2,646	2,563	2,602	2,647	2,709	2,504	2,549	2,547	2,177	2,160	2,090	2,180	1,794
Short Term Borrowings	-	-	-	-	-	-	17.00	-	-	-	23.00	-	-	-	19.00	-	-	-	8.00	37.00	9.00	10.00
Long Term Debt	-100.0%	-	40.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	63.00	83.00	103
Shareholder's Equity	2.5%	272	265	243	246	240	229	217	238	255	272	269	266	254	246	233	226	211	223	223	220	179
Retained Earnings	5.4%	124	118	112	105	98.00	92.00	85.00	92.00	85.00	79.00	74.00	69.00	62.00	54.00	46.00	43.00	38.00	35.00	33.00	27.00	26.00
Additional Paid-In Capital	-0.9%	187	189	188	188	188	189	189	188	188	190	189	189	189	189	189	188	188	188	189	188	152
Shares Outstanding	0.9%	11.00	11.00	11.00	11.00	11.00	11.00	11.00	11.00	11.00	11.00	11.00	11.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	194	-	-	-	245	-	-	-	249	-	-	-	159	-	-	-	238	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-7.5%	12,670	13,696	8,349	16,242	5,414	-1,566	12,467	18,649	6,642	10,596	10,380	3,202	16,633	13,833	9,480	2,427	4,431	5,635	-2,310	5,336	429
Share Based Compensation	63.1%	967	593	609	535	619	546	741	529	338	521	483	478	467	479	437	651	525	432	475	180	499
Cashflow From Investing	63.6%	-9,380	-25,770	-34,181	-36,694	-56,603	-73,477	-79,385	-41,174	-76,955	-68,789	11,035	62,366	-6,625	-395,895	34,416	84,728	-15,814	-68,543	24,361	100,312	-37,667
Cashflow From Financing	745.5%	114,271	-17,704	44,453	-1,553	88,689	68,939	21,939	-79,807	75,841	-44,512	-46,762	-55,051	190,979	420,013	-8,879	-92,002	12,557	68,447	-88,007	-66,485	25,640
Dividend Payments	-100.0%	-	2,120	2,121	2,118	2,126	2,020	2,028	2,091	2,125	2,128	2,122	2,026	2,004	1,898	1,901	1,905	1,906	1,678	1,673	1,386	1,413
Buy Backs	-100.0%	-	6.00	-	1,404	1,175	116	-	9,890	4,166	800	1,069	-	-	-	-	-	1,170	-	-	-	-

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ORRF Income Statement

2024-03-31

Condensed Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income
Loans	$ 36,233	$ 28,744
Investment securities - taxable	4,584	4,370
Investment securities - tax-exempt	877	865
Short-term investments	956	298
Total interest income	42,650	34,277
Interest expense
Deposits	13,516	6,202
Securities sold under agreements to repurchase and federal funds purchased	25	25
FHLB advances and other borrowings	1,474	1,252
Subordinated notes	754	504
Total interest expense	15,769	7,983
Net interest income	26,881	26,294
Provision for credit losses	298	729
Net interest income after provision for credit losses	26,583	25,565
Noninterest income
Service charges on deposit accounts	1,005	962
Interchange income	911	965
Other service charges, commissions and fees	195	195
Swap fee income	199	0
Trust and investment management income	2,024	1,888
Brokerage income	1,078	859
Mortgage banking activities	458	478
Income from life insurance	634	590
Investment securities losses	(5)	(8)
Other income	131	149
Total noninterest income	6,630	6,078
Noninterest expenses
Salaries and employee benefits	13,752	12,196
Occupancy	1,201	1,106
Furniture and equipment	1,438	1,227
Data processing	1,265	1,217
Automated teller and interchange fees	351	298
Advertising and bank promotions	398	405
FDIC insurance	441	504
Professional services	631	734
Directors' compensation	251	247
Taxes other than income	494	457
Intangible asset amortization	225	250
Merger-related expenses	672	0
Other operating expenses	1,350	1,614
Total noninterest expenses	22,469	20,255
Income before income tax expense	10,744	11,388
Income tax expense	2,213	2,232
Net income	$ 8,531	$ 9,156
Per share information:
Basic earnings per share (in usd per share)	$ 0.82	$ 0.88
Diluted earnings per share (in usd per share)	0.81	0.87
Dividends paid per share (in usd per share)	$ 0.20	$ 0.20

ORRF Balance Sheet

2024-03-31

Condensed Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 23,552	$ 32,586
Interest-bearing deposits with banks	159,170	32,575
Cash and cash equivalents	182,722	65,161
Restricted investments in bank stocks	11,453	11,992
Securities available for sale (amortized cost of $552,155 and $549,089 at March 31, 2024 and December 31, 2023, respectively)	514,909	513,519
Loans held for sale, at fair value	535	5,816
Loans	2,303,073	2,298,313
Less: Allowance for credit losses	(29,165)	(28,702)
Net loans	2,273,908	2,269,611
Premises and equipment, net	28,952	29,393
Cash surrender value of life insurance	73,656	73,204
Goodwill	18,724	18,724
Other intangible assets, net	2,189	2,414
Accrued interest receivable	13,496	13,630
Deferred tax assets, net	21,181	22,017
Other assets	41,606	38,759
Total assets	3,183,331	3,064,240
Deposits:
Noninterest-bearing	418,512	430,959
Interest-bearing	2,277,439	2,127,855
Total deposits	2,695,951	2,558,814
Securities sold under agreements to repurchase and federal funds purchased	12,099	9,785
FHLB advances and other borrowings	115,000	137,500
Subordinated notes	32,111	32,093
Other liabilities	56,488	60,992
Total liabilities	2,911,649	2,799,184
Commitments and contingencies
Shareholders’ Equity
Preferred stock, $1.25 par value per share; 500,000 shares authorized; no shares issued or outstanding	0	0
Common stock, no par value—$0.05205 stated value per share; 50,000,000 shares authorized; 11,203,221 shares issued and 10,705,077 outstanding at March 31, 2024; 11,204,599 shares issued and 10,612,390 outstanding at December 31, 2023	583	583
Additional paid - in capital	187,267	189,027
Retained earnings	124,075	117,667
Accumulated other comprehensive loss	(28,668)	(28,476)
Treasury stock—498,144 and 592,209 shares, at cost at March 31, 2024 and December 31, 2023, respectively	(11,575)	(13,745)
Total shareholders’ equity	271,682	265,056
Total liabilities and shareholders’ equity	$ 3,183,331	$ 3,064,240

About Orrstown Financial Services Inc

Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and financial advisory services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. It also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans comprising home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, the company provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, it offers investment advisory, insurance, and brokerage services. Orrstown Financial Services, Inc. was founded in 1919 and is headquartered in Shippensburg, Pennsylvania.

CEO	Mr. Thomas Rodney Quinn Jr.
WEBSITE	orrstown.com
INDUSTRY	Banks Diversified
EMPLOYEES	404

Orrstown Financial Services Inc Frequently Asked Questions

What is the ticker symbol for Orrstown Financial Services Inc? What does ORRF stand for in stocks?

ORRF is the stock ticker symbol of Orrstown Financial Services Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Orrstown Financial Services Inc (ORRF)?

As of Fri May 17 2024, market cap of Orrstown Financial Services Inc is 286.78 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of ORRF stock?

You can check ORRF's fair value in chart for subscribers.

What is the fair value of ORRF stock?

You can check ORRF's fair value in chart for subscribers. The fair value of Orrstown Financial Services Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Orrstown Financial Services Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for ORRF so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Orrstown Financial Services Inc a good stock to buy?

The fair value guage provides a quick view whether ORRF is over valued or under valued. Whether Orrstown Financial Services Inc is cheap or expensive depends on the assumptions which impact Orrstown Financial Services Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for ORRF.

What is Orrstown Financial Services Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, ORRF's PE ratio (Price to Earnings) is 8.18 and Price to Sales (PS) ratio is 1.81. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. ORRF PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Orrstown Financial Services Inc's stock?

In the past 10 years, Orrstown Financial Services Inc has provided 0.072 (multiply by 100 for percentage) rate of return.