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+0.00 (0.00%)
Close on Nov 12, 2026Market cap $867.43MP/E 9.8Yield 2.40%
Orrstown Financial Services statistics
92 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 27, 2027 (estimated, before the open)
- Last ex-dividend date
- Nov 3, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.72
- 1.52
- P/OCF Ratio
- 14.06
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 2.87
- 2.95
- EV / FCF
- 12.48
- 8.51
Share statisticsIndustry
- Shares Change (YoY)
- 0.47%
- 0.35%
- Shares Change (QoQ)
- 0.00%
- 0.00%
- Float
- 19M
- 17M
- Shares Held by Insiders
- 1.19%
- 6.05%
- Shares Held by Institutions
- 59.4%
- 61.3%
Short sellingIndustry
- Short Interest
- 404,281
- –
- Short Interest Change
- -15.4%
- -4.13%
- Short % of Float
- 2.08%
- 3.58%
- Short % of Shares Outstanding
- 2.06%
- 3.18%
- Days to Cover
- 4.45
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $46.81
- –
- 52-Week Low
- $33.33
- –
- 20-Day Moving Average
- $43.88
- –
- 50-Day Moving Average
- $42.56
- –
- 200-Day Moving Average
- $39.59
- –
- Average True Range (14)
- $1.21
- –
- Price Change (1 Week)
- 0.32%
- 0.51%
- Price Change (1 Month)
- 7.38%
- 4.83%
- Price Change (3 Months)
- 1.75%
- -3.58%
- Price Change (6 Months)
- 22.4%
- 10.8%
- Price Change (YTD)
- 24.5%
- 19.6%
- Price Change (1 Year)
- 28.7%
- 25.4%
- Price Change (3 Years)
- 100.0%
- 76.7%
- Price Change (5 Years)
- 79.6%
- 26.5%
- Price Change (10 Years)
- 126.7%
- 67.0%
- Average Volume (10 Days)
- 107,824
- –
- Average Volume (20 Days)
- 100,279
- –
- Average Volume (90 Days)
- 101,761
- –
- Relative Volume
- 0.94
- 0.67
- Relative Strength Index (14)
- 54.8
- 52.6
- Volatility (1 Year)
- 24.4%
- 24.4%
- Beta (5 Years)
- 0.62
- 0.63
MarginsIndustry
- Pretax Margin
- 41.7%
- 36.9%
- FCF Margin
- 23.0%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 14.8%
- 10.8%
- Return on Assets (ROA)
- 1.56%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 3.96%
- 11.8%
- Net Income Growth (YoY)
- 19.5%
- 22.7%
- FCF Growth (YoY)
- -3.91%
- 27.5%
- Revenue Growth (3Y CAGR)
- 24.0%
- 5.82%
- Revenue Growth (5Y CAGR)
- 17.7%
- 6.17%
- EPS Growth (3Y CAGR)
- 26.6%
- 1.31%
- EPS Growth (5Y CAGR)
- 11.7%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $86.29M
- $359.04K
- Profits Per Employee
- $29.09M
- $110.51K
- Employee Count
- 3
- 492
- WACC
- 7.99%
- 7.91%
Income statement (TTM)Industry
- Pretax Income
- $107.98M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $125.65M
- $166.15M
- Net Cash Per Share
- $6.39
- $8.19
- Equity (Book Value)
- $605.20M
- $570.13M
- Book Value Per Share
- $30.77
- $28.22
- Tangible Book Value
- $503.99M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$2.24M
- -$4.27M
- FCF Per Share
- $3.02
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 10.1%
- 8.32%
- FCF Yield
- 6.85%
- 9.23%
- Dividend Yield
- 2.40%
- 2.44%
- Buyback Yield
- 0.07%
- 1.80%
- Shareholder Yield
- 2.47%
- 3.22%
- Dividend Per Share
- $1.06
- $0.92
- Dividend Growth (YoY)
- 23.3%
- 4.26%
- Years of Dividend Growth
- 11
- 2
- Payout Ratio
- 26.3%
- 29.0%
- FCF Payout Ratio
- 38.5%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $20.71M
- $16.14M
- Effective Tax Rate
- 19.2%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $55.75
- $45.31
- Graham Upside
- 26.4%
- 18.8%
- Altman Z-Score
- 0.20
- 0.22
- Piotroski F-Score
- 4
- 6
- Lynch Fair Value
- $52.69
- –
- Lynch Upside
- 19.5%
- -0.36%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | ORRF | S&P 500 | Difference | ORRF per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +7.4% | -2.7% | +10.1 pts | ||
| 3 months | +2.7% | -1.7% | +4.5 pts | ||
| Year to date | +28.2% | +11.9% | +16.3 pts | ||
| 1 year | +31.9% | +12.0% | +19.9 pts | ||
| 3 years | +120.5% | +78.2% | +42.3 pts | +30.2% | +21.2% |
| 5 years | +110.6% | +73.2% | +37.3 pts | +16.1% | +11.6% |
| 10 years | +207.2% | +309.6% | −102.4 pts | +11.9% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M ORRF shares were sold short on Oct 30, 2026, down 15.4% from the previous report, or 2.08% of the shares available to trade. At recent volumes it would take 4.5 days to buy them back. Over the last 20 sessions, 55.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 404,281 | -15.4% | 90,814 | 4.5 |
| Oct 15, 2026 | 478,079 | -6.5% | 82,223 | 5.8 |
| Sep 30, 2026 | 511,582 | -15.7% | 122,271 | 4.2 |
| Sep 15, 2026 | 606,916 | +15.8% | 74,900 | 8.1 |
| Aug 31, 2026 | 523,994 | -1.6% | 89,367 | 5.9 |
| Aug 14, 2026 | 532,307 | -1.4% | 96,735 | 5.5 |
| Jul 31, 2026 | 539,627 | -8.7% | 121,953 | 4.4 |
| Jul 15, 2026 | 590,939 | +3.1% | 122,336 | 4.8 |
| Jun 30, 2026 | 573,283 | -31.9% | 253,872 | 2.3 |
| Jun 15, 2026 | 841,246 | -2.2% | 123,747 | 6.8 |
| May 29, 2026 | 859,836 | +2.2% | 81,942 | 10.5 |
| May 15, 2026 | 841,123 | +5.3% | 94,886 | 8.9 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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