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Orrstown financial services, inc.ORRF.US Overview

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ORRF Recent Performance

1.24%

Orrstown financial services, inc.

1.79%

Avg of Sector

-0.31%

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ORRF Key Information

ORRF Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

ORRF Profile

Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits. 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 provides other fiduciary services under the Orrstown Financial Advisors name; and offers retail brokerage services through a third-party broker/dealer arrangement. Further, it offers investment advisory, insurance, and brokerage services. The company operates through offices in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York counties, Pennsylvania; and Anne Arundel, Baltimore, Howard, and Washington counties, Maryland, as well as Baltimore City, Maryland. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania.

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ORRF FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

ORRF Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
4.15
PE Ratio (TTM)
8.60
Forward PE
8.46
PS Ratio (TTM)
2.78
PB Ratio
1.23
Price-to-FCF
8.99
METRIC
VALUE
vs. INDUSTRY
Gross Margin
90.74%
Net Margin
29.10%
Revenue Growth (YoY)
57.76%
Profit Growth (YoY)
43.15%
3-Year Revenue Growth
39.88%
3-Year Profit Growth
25.15%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
4.15
PE Ratio (TTM)
8.60
Forward PE
8.46
PS Ratio (TTM)
2.78
PB Ratio
1.23
Price-to-FCF
8.99
Gross Margin
90.74%
Net Margin
29.10%
Revenue Growth (YoY)
57.76%
Profit Growth (YoY)
43.15%
3-Year Revenue Growth
39.88%
3-Year Profit Growth
25.15%

  • When is ORRF's latest earnings report released?

    The most recent financial report for Orrstown financial services, inc. (ORRF) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating ORRF's short-term business performance and financial health. For the latest updates on ORRF's earnings releases, visit this page regularly.

  • Where does ORRF fall in the P/E River chart?

    According to historical valuation range analysis, Orrstown financial services, inc. (ORRF)'s current price-to-earnings (P/E) ratio is 6.86, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of ORRF?

    According to the latest financial report, Orrstown financial services, inc. (ORRF) reported an Operating Profit of 27.57M with an Operating Margin of 30.41% this period, representing a growth of 60.89% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is ORRF's revenue growth?

    In the latest financial report, Orrstown financial services, inc. (ORRF) announced revenue of 90.65M, with a Year-Over-Year growth rate of 50.92%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does ORRF have?

    As of the end of the reporting period, Orrstown financial services, inc. (ORRF) had total debt of 336.37M, with a debt ratio of 0.06. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does ORRF have?

    At the end of the period, Orrstown financial services, inc. (ORRF) held Total Cash and Cash Equivalents of 42.08M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does ORRF go with three margins increasing?

    In the latest report, Orrstown financial services, inc. (ORRF) achieved the “three margins increasing” benchmark, with a gross margin of 71.62%%, operating margin of 30.41%%, and net margin of 23.71%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess ORRF's profit trajectory and future growth potential.

  • Is ORRF's EPS continuing to grow?

    According to the past four quarterly reports, Orrstown financial services, inc. (ORRF)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.29. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of ORRF?

    Orrstown financial services, inc. (ORRF)'s Free Cash Flow (FCF) for the period is 22.31M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 212.76% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of ORRF?

    The latest valuation data shows Orrstown financial services, inc. (ORRF) has a Price-To-Earnings (PE) ratio of 6.86 and a Price/Earnings-To-Growth (PEG) ratio of 0.52. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.