ORRF Company Profile and Key Details

Q: Who are the executives of ORRF?

Mr. Neelesh Kalani C.P.A.Executive Vice President, Chief Financial Officer & Head of Investor RelationsMr. Philip E. Fague CPAExecutive Vice President and Trust & Mortgage OfficerMr. Thomas Rodney Quinn Jr.Pres, Chief Executive Officer & DirectorMr. Adam L. MetzExecutive Vice President & Chief Revenue OfficerMs. Barbara E. BrobstExecutive Vice President, Chief HR Officer & Assistant Sec.Mr. Christopher D. HoltExecutive Vice President & Market Pres for the Maryland RegionMr. Robert G. CoradiExecutive Vice President, Chief Risk Officer & Sec.Mr. Jeffrey S. GaymanExecutive Vice President & Market PresMr. Matthew DyckmanExecutive Vice President & Gen. CounselMr. Sean P. Mulcahy CPASenior Vice President & Chief Accounting OfficerMr. Adam D. BonannoExecutive Vice President, Chief Operations & Technology OfficerMr. Sean P. Mulcahy C.P.A.Senior Vice President & Chief Accounting OfficerMr. Neelesh Kalani CPAExecutive Vice President, Chief Financial Officer & Head of Investor Relations

NASDAQ : ORRF

Orrstown Financial Services

$39.92

0.28+0.71%

At Close 4:00 PM

69.09

BESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

Orrstown Financial Services, Inc. (ORRF) stock surged +0.71%, trading at $39.92 on NASDAQ, up from the previous close of $39.64. The stock opened at $39.66, fluctuating between $39.64 and $40.15 in the recent session.

Stock Snapshot

39.64

Prev. Close

784.34M

Market Cap

39.64

Day Low

9.07

P/E Ratio

4.4

EPS (TTM)

4.28

Cash Flow per Share

39.66

Open

19.65M

Number of Shares

40.145

Day High

88.62%

Free Float in %

26.32

Book Value

119.17K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Jul 09, 2026	39.58	40.18	39.47	39.92	121.33K
Jul 08, 2026	40.07	40.23	37.62	39.64	109.95K
Jul 07, 2026	41.09	42.42	40.39	40.39	100.76K
Jul 06, 2026	40.71	41.37	40.44	40.83	90.94K
Jul 02, 2026	41.98	42.00	40.50	40.85	116.45K
Jul 01, 2026	40.98	41.89	40.94	41.72	150.45K
Jun 30, 2026	40.72	40.98	39.95	40.83	125.58K
Jun 29, 2026	41.01	41.23	40.37	40.73	216.48K
Jun 26, 2026	40.93	41.52	40.41	41.23	572.75K
Jun 25, 2026	40.52	41.00	40.47	40.73	137.24K
Jun 24, 2026	39.90	40.80	39.71	40.67	258.54K
Jun 23, 2026	39.09	39.96	39.09	39.75	264.85K
Jun 22, 2026	38.99	39.97	38.49	39.09	177.71K
Jun 18, 2026	39.09	39.31	38.54	39.03	458.26K
Jun 17, 2026	39.06	39.51	38.00	38.48	177.18K
Jun 16, 2026	39.40	39.67	38.72	39.17	144.76K
Jun 15, 2026	39.99	40.33	39.02	39.09	195.75K
Jun 12, 2026	39.39	40.00	39.39	39.94	107.5K
Jun 11, 2026	39.19	39.34	38.45	39.14	85.81K
Jun 10, 2026	38.65	39.44	37.37	38.97	130.43K

Contact Details

Shippensburg, PA 17257

United States

https://www.orrstown.com 717 532 6114

About Company

Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles like trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor. It also facilitates retail brokerage services through a collaborative arrangement with an external broker/dealer, and provides direct investment advisory and insurance services. Established in 1919, Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania. Its operational footprint spans multiple counties in Pennsylvania (Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (Anne Arundel, Baltimore, Howard, and Washington, alongside Baltimore City).

Stock Peers

FCNCA

38.38+1.88%

First Citizens BancShares, Inc.$2,083.00 HIFS

3.11999+1.08%

Hingham Institution for Savings$291.33 CATC

Cambridge Bancorp$220.00 BPOP

3.12+1.88%

Popular, Inc.$169.39 WTFC

3.32+2.10%

Wintrust Financial Corporation$161.74 BFC

1.5+1.03%

Bank First Corporation$146.67 UMBF

1.63+1.15%

UMB Financial Corporation$143.71 BOKF

2.51+1.85%

BOK Financial Corporation$137.89 CHCO

1.68+1.28%

City Holding Company$132.63 NBN

2.68+2.09%

Northeast Bank$130.68

Company Overview

Orrstown Financial Services, Inc. (NASDAQ:ORRF) closed at $39.92 USD, gaining $0.28 (0.71%) from the previous close of $39.64. The stock is currently mid-range between its 52-week high and low $31.51 and $42.42. With a market capitalization of about $784.34 million, Orrstown Financial Services, Inc. is classified as a small-cap and shows lower-than-market volatility (beta ~0.68). Key stats such as the average daily volume over the past year has been around 135.78 thousand shares, in line with its 52-week average. Headquartered in Shippensburg, PA, Orrstown Financial Services, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Thomas Rodney Quinn Jr., the company employs approximately 607 people and listed since May 13, 1999. Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States.

Technical Performance

Short-term trend indicators are bearishly aligned (SMA20 -0.57%, SMA50 1.62%, SMA200 9.12%). The stock’s 14-day RSI is 51.38 (neutral), while the ATR of 1.06 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -8.2% below its high and over 46.22% above its low. Average 10-day trading volume of 128.99 thousand shares is in line with the 3-month average of 129.43 thousand, indicating normal recent market interest.

Valuation Metrics

Orrstown Financial Services, Inc. trades at a P/E ratio of 8.76, slightly below the S&P 500 average, with a price-to-sales ratio of 2.2 and a price-to-book ratio of 1.28 suggesting the stock is closer to book value. The P/FCF stands at 9.05, also below market averages.

Dividend & Fair Value

Orrstown Financial Services, Inc. last paid a dividend of 1.14 per share, this equals a trailing yield of roughly 2.25%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $114.90. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

Orrstown Financial Services, Inc. generated EPS of $4.18 over the past year. Five-year average earnings growth is 11.75%. The latest quarter delivered EPS of $1.12. The next quarter is forecast at $1.01. Next year's EPS is expected at -$3.01. Analyst sentiment is bullish. Analyst rating data shows there are 2 Strong Buy ratings, 0 Buy ratings, 1 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $42.00 to $39.00. The high target offers 5.21% upside. The low target suggests -2.3% downside. The mean target is $40.67. This offers 1.88% upside. Orrstown Financial Services, Inc. earnings surprise history is a consistent trend of beating forecasts. The quarter that ended April 21, 2026, missed forecasts by 6.67%. The prior quarter beat by 2.78%. Over the last six quarters, Apple has recorded several small beats. These include -15.53% in January 31, 2025.

Shareholding & Insider Activity

Orrstown Financial Services, Inc. has 19.49 million shares outstanding. The public float is 17.27 million shares, elevated short interest at 1.51% of float. This equals 281.98 thousand shares. The short ratio is 1.53 days. Institutional investors hold 60.47% of the float. Insiders own 4.59%. Quinn Thomas R Jr holds 87.20 thousand shares, Brunner Brian D has 50.53 thousand shares and BOYLE DAVID P has 45.13 thousand shares. Over the past six months, insider transactions show net selling. They sold 20.72 thousand shares across 4 transactions.

Financial & Profitability Overview

Over the trailing twelve months, Orrstown Financial Services generated $176.01M in revenue, or $16.87 per share. Gross margin was 96.53%, operating margin 80.47%, and net profit margin 20.26%. Returns are modest, with ROA at 1.16% and ROE at 13.45%.
On valuation metrics, Orrstown Financial Services trades at a P/E of 8.76, P/S of 2.20 and P/B of 1.28. The current ratio is 52.80 and quick ratio is 52.80. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 21.63 days. Debt-to-equity is 0.44, supported by a cash flow-to-debt ratio of 0.34.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, Orrstown Financial Services posted revenue of $176.01M, down slightly from $1.29M in the prior quarter. Gross profit was $169.91M (margin 96.53%). Operating income was $141.64M (margin 80.5%). Net income was$35.66M (EPS $3.45).
The company ended the quarter with - $32.59M in cash and short-term investments, a total debt of $190.99M, and net debt of $125.83M. Total assets were $3.07B, with equity of $265.06M. Financials further reflected stability, with operating cash flow of $38.84M, free cash flow of $36.55M, and capital expenditures of - $2.29M.

Price Forecast & Outlook

Our AI price prediction model suggests that Orrstown Financial Services, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 4.68%, with price expected at $41.79 by July 22, 2026, within a range of $41.15 to $42.37 3-Month Outlook: Projected fall of -17.26%, reaching $33.03 by October 06, 2026, with a range of $29.48 to $35.44. 1-Year Outlook: Projected gain of 11.62%, with price at $44.56 by July 08, 2027, within a range of $43.26 to $45.92.

Key Takeaways

Orrstown Financial Services, Inc. (NASDAQ:ORRF) shares are flat 1.64% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Orrstown Financial Services, Inc. trading at a premium to the broader market with a P/E of 8.76. Analyst sentiment is mixed, with the majority of ratings in Neutral territory and a mean price target of $29.83, suggesting -25.28% downside. Our AI forecast model points to short-term strength (4.68% over two weeks), a medium-term fall (-17.26% over three months), and a longer-term gain (11.62% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current Orrstown Financial Services, Inc. (ORRF) stock price?

Orrstown Financial Services, Inc. (NASDAQ: ORRF) stock price is $39.92 in the last trading session. During the trading session, ORRF stock reached the peak price of $40.15 while $39.64 was the lowest point it dropped to. The percentage change in ORRF stock occurred in the recent session was 0.71% while the dollar amount for the price change in ORRF stock was $0.28.

ORRF's industry and sector of operation?

The NASDAQ listed ORRF is part of Banks - Regional industry that operates in the broader Financial Services sector. Orrstown Financial Services, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of ORRF?

Mr. Neelesh Kalani C.P.A.
Executive Vice President, Chief Financial Officer & Head of Investor Relations
Mr. Philip E. Fague CPA
Executive Vice President and Trust & Mortgage Officer
Mr. Thomas Rodney Quinn Jr.
Pres, Chief Executive Officer & Director
Mr. Adam L. Metz
Executive Vice President & Chief Revenue Officer
Ms. Barbara E. Brobst
Executive Vice President, Chief HR Officer & Assistant Sec.
Mr. Christopher D. Holt
Executive Vice President & Market Pres for the Maryland Region
Mr. Robert G. Coradi
Executive Vice President, Chief Risk Officer & Sec.
Mr. Jeffrey S. Gayman
Executive Vice President & Market Pres
Mr. Matthew Dyckman
Executive Vice President & Gen. Counsel
Mr. Sean P. Mulcahy CPA
Senior Vice President & Chief Accounting Officer
Mr. Adam D. Bonanno
Executive Vice President, Chief Operations & Technology Officer
Mr. Sean P. Mulcahy C.P.A.
Senior Vice President & Chief Accounting Officer
Mr. Neelesh Kalani CPA
Executive Vice President, Chief Financial Officer & Head of Investor Relations

How ORRF did perform over past 52-week?

ORRF's closing price is 26.69% higher than its 52-week low of $31.51 where as its distance from 52-week high of $42.42 is -5.89%.

How many employees does ORRF have?

Number of ORRF employees currently stands at 607.

Link for ORRF official website?

Official Website of ORRF is: https://www.orrstown.com

How do I contact ORRF?

ORRF could be contacted at phone 717 532 6114 and can also be accessed through its website. ORRF operates from 77 East King Street, Shippensburg, PA 17257, United States.

How many shares of ORRF are traded daily?

ORRF stock volume for the day was 119.17K shares. The average number of ORRF shares traded daily for last 3 months was 135.78K.

What is the market cap of ORRF currently?

The market value of ORRF currently stands at $784.34M with its latest stock price at $39.92 and 19.65M of its shares outstanding.

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Employees	607
Beta	0.7
Sales or Revenue	$176.01M
5Y Sales Change%	0.643%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

ORRF Company Profile and Key Details

Orrstown Financial Services

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Technical Performance

Financial & Profitability Overview

Quarterly Financial Highlights

Shareholding & Insider Activity

Earnings & Analyst Outlook

Company Overview

Dividend & Fair Value

Valuation Metrics

Price Forecast & Outlook

Key Takeaways