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Orrstown Financial Services, Inc. (ORRF)

Financial Services | Banks - Regional | Harrisburg, United States | NasdaqCM
41.07 USD -0.11 (-0.267%) ⇩ (Oct. 14, 2026, 4 p.m. EDT)
After hours: 41.07
Short-term:★★⯪☆☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 8:31 a.m. EDT

Orrstown Financial presents a compelling value case for patient capital, anchored by a robust balance sheet and a resilient earnings trajectory despite recent headwinds. The stock trades at a discount to book value with a healthy 34% profit margin and a return on equity nearing 15%, supported by a fortress-like debt structure where cash significantly exceeds liabilities. While the price has dipped slightly over the last year, the broader nine-year trend remains strongly positive, reflecting a successful recovery from past distress. The dividend is a genuine asset, offering nearly 3% yield with a conservative payout ratio that leaves ample room for growth. However, the short-term outlook is muted; the statistical forecast shows no directional edge, and the options market is largely silent, failing to provide a catalyst for immediate momentum. This is a solid buy-and-hold opportunity for income and value, but investors should expect a grind rather than a sprint in the near term.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.016153
AutoARIMA0.017930
AutoETS0.017931
AutoTheta0.020620

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 51%
H-stat 3.52
Ljung-Box p 0.000
Jarque-Bera p 0.821
Excess Kurtosis -0.44
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-03
Last Dividend Date 2026-08-03
Revenue per Share 13.256
Market Cap 807,831,552
Trailing P/E 9.23
Forward P/E 9.33
Beta 0.68
Profit Margins 33.80%
Website https://www.orrstown.com

As of Oct. 10, 2026, 8:31 a.m. EDT: Speculator positioning is extremely thin and fragmented. Call interest is concentrated in October 2026 at the $45 strike, suggesting a modest bullish bias for a 10% upside move, while put activity is negligible and scattered deep out-of-the-money. Implied volatility is elevated for near-term puts relative to calls, hinting at a slight fear premium, but the lack of meaningful volume or open interest indicates a lack of strong directional conviction from the options market.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.69% 3.09% 3.10% 3.20%
Dividend History
Date Dividend Yield %
2026-08-04 0.300000 0.691882
2026-05-05 0.300000 0.813008
2026-02-10 0.300000 0.791557
2025-11-05 0.270000 0.792719
2025-08-05 0.270000 0.839030
2025-05-06 0.260000 0.870730
2025-02-14 0.260000 0.772889
2024-11-05 0.230000 0.617450
2024-08-08 0.230000 0.710754
2024-05-06 0.200000 0.751315
2024-02-05 0.200000 0.757576
2023-11-06 0.200000 0.892459
2023-08-07 0.200000 0.839278
2023-05-08 0.200000 1.213592
2023-02-06 0.200000 0.807102
2022-10-28 0.190000 0.720789
2022-07-29 0.190000 0.733025
2022-04-29 0.190000 0.805768
2022-01-31 0.190000 0.767677
2021-10-29 0.190000 0.801350
2021-07-30 0.190000 0.824295
2021-04-30 0.180000 0.759173
2021-01-29 0.180000 1.039861
2020-10-30 0.170000 1.216023
2020-07-31 0.170000 1.250000
2020-05-01 0.170000 1.249082
2020-01-31 0.170000 0.824842
2019-11-01 0.150000 0.687128
2019-08-02 0.150000 0.690926
2019-04-29 0.150000 0.714626
2019-02-01 0.150000 0.803428
2018-10-26 0.130000 0.624400
2018-07-26 0.130000 0.492424
2018-04-23 0.130000 0.502901
2018-02-01 0.120000 0.468750
2017-11-03 0.120000 0.475248
2017-08-04 0.100000 0.394477
2017-05-04 0.100000 0.458716
2017-02-08 0.100000 0.450450
2016-11-07 0.090000 0.486486
2016-08-08 0.090000 0.463440
2016-05-09 0.090000 0.481799
2016-02-08 0.080000 0.457928
2015-11-02 0.080000 0.444692
2015-08-05 0.070000 0.417661
2015-05-06 0.070000 0.406268
2011-08-10 0.230000 1.392252
2011-05-11 0.230000 0.904088
2011-02-09 0.230000 0.874192
2010-11-09 0.225000 0.884086
2010-08-04 0.225000 0.943792
2010-05-05 0.220000 0.891410
2010-02-10 0.220000 0.739247
2009-11-10 0.220000 0.683442
2009-08-12 0.220000 0.578947
2009-05-13 0.220000 0.872670
2009-02-11 0.220000 0.814815
2008-11-05 0.220000 0.745763
2008-08-06 0.220000 0.715447
2008-05-07 0.220000 0.732113
2008-02-06 0.210000 0.700000
2007-11-01 0.210000 0.656250
2007-08-08 0.210000 0.666667
2007-05-09 0.200000 0.591549
2007-02-07 0.200000 0.567568
2006-11-06 0.190476 0.533333
2006-08-07 0.190476 0.540540
2006-05-08 0.190476 0.563380
2006-02-06 0.171429 0.514287
2005-12-08 0.152381 0.457143
2005-10-04 0.142857 0.395257
2005-07-05 0.133333 0.340632
2005-04-01 0.126984 0.343558
2005-01-06 0.117914 0.295455
2004-09-30 0.117914 0.302326
2004-06-30 0.108844 0.295350
2003-12-29 0.104308 0.343282
2003-10-02 0.095238 0.313433
2003-07-01 0.095238 0.362069
2003-03-31 0.086384 0.411101
2002-12-31 0.086384 0.425533
2002-10-02 0.077745 0.391302
2002-07-05 0.073426 0.384180
2002-04-02 0.073426 0.433120
2001-12-28 0.069107 0.410256
2001-10-03 0.064788 0.394738
2001-07-02 0.061703 0.374067
2001-03-29 0.061703 0.389612
1999-12-29 0.057589 0.370247
Additional Data
dividendYield 2.92
exDividendDate 2026-08-04
trailingAnnualDividendRate 1.14
trailingAnnualDividendYield 0.02768334
lastDividendValue 0.3
lastDividendDate 2026-08-04
dividendDate 2026-08-11

Info Dump

Attribute Value
52 Week Change 0.2782446
Address1 4,750 Lindle Road
All Time High 45.351475
All Time Low 7.45
Ask 52.16
Ask Size 2
Audit Risk 9
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 83,500
Average Daily Volume3 Month 100,104
Average Volume 100,104
Average Volume10Days 83,500
Beta 0.679
Bid 29.68
Bid Size 2
Board Risk 2
Book Value 31.604
City Harrisburg
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 41.07
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 41.345
Day Low 40.38
Display Name Orrstown Financial Services
Dividend Date 1,786,406,400
Dividend Yield 2.92
Earnings Call Timestamp End 1,792,612,800
Earnings Call Timestamp Start 1,792,612,800
Earnings Growth 0.079
Earnings Quarterly Growth 0.088
Earnings Timestamp 1,792,526,400
Earnings Timestamp End 1,792,526,400
Earnings Timestamp Start 1,792,526,400
Ebitda Margins 0.0
Enterprise To Revenue 3.788
Enterprise Value 967,404,544
Eps Current Year 4.3175
Eps Forward 4.4
Eps Trailing Twelve Months 4.45
Esg Populated 0
Ex Dividend Date 1,785,801,600
Exchange NCM
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 42.013
Fifty Day Average Change -0.9430008
Fifty Day Average Change Percent -0.022445451
Fifty Two Week Change Percent 27.824461
Fifty Two Week High 43.81
Fifty Two Week High Change -2.7400017
Fifty Two Week High Change Percent -0.06254283
Fifty Two Week Low 31.87
Fifty Two Week Low Change 9.199999
Fifty Two Week Low Change Percent 0.2886727
Fifty Two Week Range 31.87 - 43.81
Financial Currency USD
First Trade Date Milliseconds 926,602,200,000
Five Year Avg Dividend Yield 3.0
Float Shares 18,756,562
Forward Eps 4.4
Forward P E 9.33409
Full Exchange Name NasdaqCM
Full Time Employees 627
Fullday Change -0.11000061
Fullday Change Percent -0.26712143
Fullday Price 41.07
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 255,380,992
Has Pre Post Market Data 1
Held Percent Insiders 0.037100002
Held Percent Institutions 0.61101
Implied Shares Outstanding 19,669,626
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,785,801,600
Last Dividend Value 0.3
Last Fiscal Year End 1,767,139,200
Last Split Date 1,179,878,400
Last Split Factor 105:100
Long Business Summary Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company 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, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; agricultural loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides 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, the company offers fiduciary, investment advisory, insurance, and brokerage services. The company was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.
Long Name Orrstown Financial Services, Inc.
Market us_market
Market Cap 807,831,552
Market State POSTPOST
Max Age 86,400
Message Board Id finmb_3174385
Most Recent Quarter 1,782,777,600
Net Income To Common 86,323,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 807,634,843
Number Of Analyst Opinions 4
Open 40.65
Operating Cashflow 87,789,000
Operating Margins 0.44082
Overall Risk 5
Payout Ratio 0.25620002
Phone 717 532 6114
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 41.07
Post Market Time 1,792,008,076
Previous Close 41.18
Price Eps Current Year 9.512449
Price Hint 2
Price To Book 1.2995191
Price To Sales Trailing12 Months 3.1632407
Profit Margins 0.33801997
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change -0.110001
Regular Market Change Percent -0.267121
Regular Market Day High 41.345
Regular Market Day Low 40.38
Regular Market Day Range 40.38 - 41.345
Regular Market Open 40.65
Regular Market Previous Close 41.18
Regular Market Price 41.07
Regular Market Time 1,792,008,000
Regular Market Volume 111,713
Return On Assets 0.015700001
Return On Equity 0.14755
Revenue Growth 0.0
Revenue Per Share 13.256
Sand P52 Week Change 0.1570785
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 19,669,626
Shares Percent Shares Out 0.025999999
Shares Short 511,582
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 523,994
Short Name Orrstown Financial Services, In
Short Percent Of Float 0.0272
Short Ratio 5.11
Source Interval 15
State PA
Symbol ORRF
Target High Price 48.0
Target Low Price 43.0
Target Mean Price 45.75
Target Median Price 46.0
Total Cash 154,783,008
Total Cash Per Share 7.869
Total Debt 314,356,000
Total Revenue 255,380,992
Tradeable 0
Trailing Annual Dividend Rate 1.14
Trailing Annual Dividend Yield 0.02768334
Trailing Eps 4.45
Trailing P E 9.229214
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 38.77225
Two Hundred Day Average Change 2.2977486
Two Hundred Day Average Change Percent 0.059262708
Type Disp Equity
Volume 111,713
Website https://www.orrstown.com
Zip 17,111