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Orrstown Financial Services Inc (ORRF) stock

ORRFNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 17/304% above fair value
$44.10−0.22 (-0.50%)

Close on Nov 11, 2026Market cap $867.43MP/E 9.8Yield 2.40%

Orrstown Financial Services Inc grew revenue 4.0% to $258.87M over the twelve months to Sep 30, 2026. Free cash flow was $59.46M, down 3.9% from a year earlier. At the latest close the market valued the company at $867.43M, 9.8 times its earnings.

Revenue
$258.87M
+4.0% vs. a year earlier
Free cash flow
$59.46M
-3.9% vs. a year earlier
EPS, diluted
$4.49
TTM Q3 2026

Key statistics

Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026

Valuation

Market cap
$867.43M
P/E ratio
9.8
Price to sales
3.35
Price to book
1.43
Dividend yield
2.40%
Free cash flow yield
6.85%

Fundamentals

Revenue
$258.87M
Net income
$87.27M
EPS, diluted
$4.49
Free cash flow
$59.46M
Book value per share
$31.03
Diluted shares
20M

Trading

Next earnings
Jan 27, 2027 (estimated, before the open)
Previous close
$44.32
Open
$44.35
Day's range
$43.66 – $44.72
Volume
120,744
Average volume (20 days)
100,117
Index membership
Russell 2000, Russell 3000
Beta (5 years)
0.62
52-week range
$33.33 – $46.81
RSI (14 days)
54.8
Volatility (1 year)
24.4%
Relative volume
1.19×
WACC
8.0%

On 1 of our idea list: Dividend growers

Index membership is inferred from the holdings of funds that track each index (IWM, IWV), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.

Market cap history

Month-end market cap since 2011, using shares outstanding reported at the time

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 11, 2026. The S&P 500 is measured by the SPY fund.

PeriodORRFS&P 500DifferenceORRF per yearS&P 500 per year
1 month+8.5%-2.4%+11.0 pts
3 months+3.7%-1.2%+4.9 pts
Year to date+28.2%+12.3%+15.9 pts
1 year+32.5%+12.4%+20.1 pts
3 years+120.5%+78.8%+41.7 pts+30.2%+21.4%
5 years+106.8%+75.2%+31.6 pts+15.6%+11.9%
10 years+207.2%+311.1%−103.9 pts+11.9%+15.2%

Fifteen years at a glance

Fiscal years 2011 to 2025 and trailing twelve months, USD

Revenue

$258.87M+4.0% YoY

Net income

$87.27M+19.5% YoY

EPS, diluted

$4.49

Free cash flow

$59.46M-3.9% YoY
Reported periodTrailing twelve months

Press releases

Releases Orrstown Financial Services filed with the SEC as exhibits to Form 8-K or 6-K

All press releases and earnings

About Orrstown Financial Services

State Commercial Banks

Orrstown Financial Services, Inc. is a financial holding company that provides commercial, retail, and municipal banking products and services. Its core lending operations encompass commercial real estate, commercial and industrial financing, agricultural loans, acquisition and development financing, and municipal credit. In addition, the company offers residential mortgages, home equity term loans, credit lines, and installment loans. The organization also provides deposit products and customer relationship services. These offerings serve a diverse clientele that includes commercial enterprises, real estate developers, agricultural businesses, municipal entities, and individual consumer borrowers.

Company profile, executives and history

Orrstown Financial Services stock: common questions

What is Orrstown Financial Services's stock price?

ORRF closed at $44.10 on Nov 11, 2026, down 0.50% on the day. Over the past 52 weeks it traded between $33.33 and $46.81.

What is Orrstown Financial Services's market cap?

Orrstown Financial Services was worth $867.43M at the close on Nov 11, 2026: the share price times the diluted shares outstanding.

What is ORRF's P/E ratio?

ORRF trades at 9.8 times earnings, based on diluted earnings per share of $4.49 over the twelve months to Sep 30, 2026.

How much revenue does Orrstown Financial Services make?

Orrstown Financial Services reported revenue of $258.87M for the twelve months to Sep 30, 2026, up 4.0% from a year earlier.

Does Orrstown Financial Services pay a dividend?

Yes. Orrstown Financial Services paid $1.06 per share over the last twelve months, a yield of 2.40% at the latest price, and has raised its annual dividend 11 years in a row.

When does Orrstown Financial Services report earnings next?

Orrstown Financial Services is expected to report Q4 FY2026 results on Jan 27, 2027, before the open. The date is estimated from its past reporting pattern until the company confirms it.

How has ORRF stock performed over the past year?

Including dividends, ORRF returned +32.5% over the past year, against +12.4% for the S&P 500.

How many ORRF shares are sold short?

0M shares were sold short at the latest FINRA report, 2.08% of the float, or 4.5 days of average trading volume.

Who are Orrstown Financial Services's competitors?

Companies most similar to Orrstown Financial Services by business, industry and size include HBIA, CCBG, MBWM, MPB, CTBI.

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