Orrstown Financial Services Inc.

ORRF | NASDAQ

Price Alert Chart Builder DCF Calculator

$42.04

-$0.02 (-0.05%)

At close: Sep 21, 2026, 4:00 PM ET

$42.04

$0 (0.00%)

After-hours: Sep 21, 2026, 4:10 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $825.99M

Enterprise Value $100.76M

Beta 0.67

Average Volume 122.15K

Shares Outstanding (Diluted) 19.43M

Shares Change YoY 0.47%

Institutional Ownership 62.08%

Exchange NASDAQ

ISIN US6873801053

Price Performance

Price Change 1M 0.5%

Price Change 3M 5.8%

Price Change 6M 19.2%

Price Change YTD 20.4%

Price Change 1Y 19.9%

Price Change 3Y 98.4%

Price Change 5Y 82.9%

1M CAGR (ann.) -1.4%

1Y CAGR (ann.) 21.3%

5Y CAGR (ann.) 16.6%

All-Time CAGR 3.3%

Valuation

PE Ratio 9.10

Forward PE 11.19

PEG Ratio 0.08

Forward PEG 4.63

PS Ratio 2.30

Forward PS 3.00

PB Ratio 1.33

P/FCF Ratio 9.50

P/Adj. FCF Ratio 10.10

P/OCF Ratio 9.24

EV/Sales 0.28

EV/EBIT 0.94

EV/EBITDA 0.86

EV/FCF 1.16

Earnings Yield 11.0%

FCF Yield 10.5%

Adj. FCF Yield 9.9%

Financial Health

Net Cash $725.24M

Total Debt $282.36M

Cash & Short-Term Investments $1.01B

Total Assets $5.61B

Current Ratio 0.21

Quick Ratio 0.21

Debt / Equity Ratio 0.45

Debt / EBITDA 2.41

Debt / FCF 3.25

OCF / Debt 0.32

Interest Coverage 1.04

Altman Z-Score -0.55

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 71.0%

Operating Profit Margin 29.9%

EBITDA Margin 32.6%

Net Profit Margin 24.1%

FCF Margin 24.2%

Adj. FCF Margin 22.8%

SBC / Revenue 1.6%

SBC Impact (per share) -6.0%

Returns

Return on Assets 1.5%

Return on Equity 14.5%

Return on Invested Capital -2.5%

Return on Capital Employed 15.1%

Return on Tangible Assets 1.6%

Historical Growth (CAGR)

Revenue CAGR 3Y 32.3%

Revenue CAGR 5Y 23.4%

Revenue CAGR 10Y 19.9%

EPS CAGR 3Y 27.1%

EPS CAGR 5Y 8.5%

EPS CAGR 10Y 18.0%

FCF CAGR 3Y 36.7%

FCF CAGR 5Y 16.2%

FCF CAGR 10Y 25.7%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 7

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 19, 2026

EPS Estimate (next Q) $1.10

EPS Growth Est (next Q) -2.6%

Revenue Est (next Q) $66.2M

Revenue Growth Est (next Q) 2.8%

Fair Value Estimates

Graham Number $57.85

Graham Upside 37.6%

Lynch Fair Value $39.36

Lynch Upside -6.4%

Price Target $41

Price Target Upside -2.5%

Cash Flow

Operating Cash Flow $89.32M

Free Cash Flow $86.98M

Adj. Free Cash Flow $81.78M

FCF Per Share $4.44

OCF Per Share $4.55

OCF/S Ratio 24.5%

Income Statement

Revenue $358.74M

Gross Profit $254.56M

Operating Income $107.41M

EBITDA $117.04M

Net Income $86.32M

EPS (Diluted) $4.62

Revenue / Employee $572.16K

Profit / Employee $137.68K

Employees 627

Dividends

Annual Dividend $1.17

Dividend Yield 2.78%

Payout Ratio 25.3%

FCF Payout Ratio 24.7%

Adj. FCF Payout Ratio 26.2%

Dividend Growth (YoY) 14.7%

Pay Frequency Quarterly

Ex-Dividend Date Aug 3, 2026