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Orrstown Financial Services Inc (ORRF) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Orrstown Financial Services Inc stock $28.54, price $43.82, that is 34.9% below the price, quality 40 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

OF Orrstown Financial Services Inc logo Broad data Nov 5, 2026

Orrstown Financial Services Inc

ORRF · US
Expensive, weak quality

Our calculation puts a fair price 35% below what the stock costs today.

Healthy Growth (revenue 5y +22.8 %/yr in USD)
Highly profitable · 34.0% net margin (TTM)
2.7% dividend yield · Low payout
Wide moat 68/100
Positive coverage
Broad data
Costs just 9.8 times its yearly profit.
Quality 40/100
Mixed vs. peers (6/14)
Insiders sold $234,108 (6M)
Fair value $28.54 · Overvalued (−34.9%)
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$45.27 $14.15 Fair Value $28.54 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range $14.15 – $45.27 · fair‑value band $23.75 – $40.39 · the $43.82 price screens above the $28.54 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

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Company profile

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.

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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.

Stock analysis

Orrstown Financial Services Inc (ORRF) currently trades at $43.82, while our model-based Fair Value estimate is $28.54, 35% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $42.68 per share, and 1 of the 6 models we run sit above the $43.82 price.

Bear case: the Dividend Discount group reads lowest at $15.28, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $23.75 (bear) to $40.39 (bull), the price of $43.82 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Orrstown Financial Services Inc reported revenue of $354M in FY2025 versus $122M in FY2021, a compound +30.6%/yr. Reported net income was $80.9M in FY2025, compounding +25.2%/yr from FY2021.

Key figures

Market cap $852M Small · P/E ratio 9.8 · P/S ratio 3.31 · EPS (TTM) $4.49 · Dividend yield 2.7% · Net margin 34.0% · Return on equity 14.8% · Return on assets (EBIT) 1.2% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (medium confidence).

What moves the price

The share trades about 3% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −35%, ORRF screens richer than that median.

Fair Value models

Bear $23.75 Fair Value $28.54 Bull $40.39
Price $43.82 · Downside -34.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.84 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $27.94 $33.58 $47.52 75
Gordon GGM $8.60 $16.14 $23.04 67
DDM Multi-Stage $8.60 $14.42 $17.16 67
All 6 models by family
Dividend Discount
Gordon GGM $8.60 $16.14 $23.04 67
DDM Multi-Stage $8.60 $14.42 $17.16 67
Multiples
P/E Multiple $40.08 $53.44 $66.80 63
P/B Multiple $23.93 $31.91 $39.89 55
Asset-Based
NCAV (Graham) $12.30 $16.48 $24.60 54
Economic Profit
Residual Income $27.94 $33.58 $47.52 75

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 40/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 83
Are margins and returns getting better?
Cashflow 71
Do the profits arrive as real cash?
Financial strength 3
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 83
How calm the share price moves, does not count
Price momentum 59
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 79
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors sold shares worth $234,108 and none bought.

  • SaleMichael John RiceDirector2,530 shares at $43.16$109,195Aug 6, 2026
  • SaleAmy DollEVP, Chief Admin. Officer3,002 shares at $41.61$124,913Jul 27, 2026
  • BuyBrian D BrunnerDirector1,000 shares at $34.02$34,020Mar 18, 2026
  • SaleChristopher D HoltEVP, Market President7,820 shares at $34.29$268,148Mar 11, 2026
  • SaleThomas R Quinn JrPresident & CEO, Director10,401 shares at $37.43$389,317Feb 19, 2026
  • SaleJohn Rodney MessickDirector2,500 shares at $38.62$96,550Feb 5, 2026
  • BuySarah M BrownDirector406 shares at $36.21$14,701Feb 2, 2026

Plus 5 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+24.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+38.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.8%
Start year 2020 (pandemic). Over 10 years: +20.0% a year
Revenue growth 26 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.3%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+15.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.5%
Dividend (yield on the price)2.7%
Per share before 1999divided by the spin-off factor 1.075
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.15.0% vs 17.4%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.26% → 29%
2025 sits 134% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2020 (pandemic)

ORRF screens overvalued: fair value 35% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (90 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 40 · Bottom 25%
Fair Value upside −34.9% · Bottom 25%
Profitability
Return on equity (12 months) 14.8% · Top 25%
Return on assets 1.5% · Top 25%
Net margin (12 months) 34.0% · Above median
Operating margin (12 months) 47.3% · Above median
Growth and dividend
Revenue growth (quarter YoY) 2.6% · Below median
Dividend yield (12 months) 2.7% · Above median
Balance sheet
Debt / equity 0.53× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.8× · Cheaper than median
P/B 1.44× · Pricier than median
P/S (12 months) 3.31× · Pricier than median
Price / free cash flow (fiscal year) 12.1× · Pricier than median
EV/EBITDA 9.6× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)13 · sector 47
PAST (return on equity)59 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)53 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs ORRF
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs ORRF
BNP Paribas SA BNP €91.93 €106.01 +15% vs ORRF
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs ORRF
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs ORRF
UniCredit S.p.A UCG €76.80 €50.44 −34% vs ORRF
Mizuho Financial Group MFG $9.40 $5.90 −37% vs ORRF
DBS Group D05 69.72 SGD 40.39 SGD −42% vs ORRF
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs ORRF
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs ORRF

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Cite: Fair Value Calculator (2026). "Orrstown Financial Services Inc Fair Value". https://www.fairvalue-calculator.com/stock/ORRF

Frequently asked questions

Is Orrstown Financial Services Inc (ORRF) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $28.54 versus a price of $43.82, about 35% lower (overvalued).
What is the fair value of ORRF?
Our model-based fair value for Orrstown Financial Services Inc is $28.54 (as of Nov 5, 2026), built from audited fundamentals. The current price: $43.82.
What is the quality score of ORRF?
Orrstown Financial Services Inc has a Quality Score of 40/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Orrstown Financial Services Inc (ORRF)?
Our model-based price target is the fair value of $28.54 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $23.75, optimistic scenario $40.39. It is a calculation from audited fundamentals, not an analyst target.
What is the Orrstown Financial Services Inc stock forecast for 2026?
Our models put fair value at $28.54, about 35% lower versus a price of $43.82 (overvalued). Cautious scenario $23.75, optimistic scenario $40.39. The calculation is refreshed regularly with new filings.
What is the revenue of Orrstown Financial Services Inc (ORRF)?
Orrstown Financial Services Inc reported trailing-twelve-month revenue of about $257M (latest available figure, as of Nov 5, 2026).
Does Orrstown Financial Services Inc pay a dividend?
Orrstown Financial Services Inc currently shows a dividend yield of 2.67% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Orrstown Financial Services Inc (ORRF) and when is the ex-dividend date?
Orrstown Financial Services Inc pays a dividend of $1.17 per share a year, a dividend yield of 2.7%. The last ex-dividend date was Nov 3, 2026. A dividend has been paid every year since 2015. The payout ratio is 26.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Orrstown Financial Services Inc (ORRF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Orrstown Financial Services Inc it is $28.54 per share (as of Nov 5, 2026), against a price of $43.82. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Orrstown Financial Services Inc stock overvalued or undervalued in 2026?
As of Nov 5, 2026, ORRF trades above its calculated fair value: price $43.82, fair value $28.54, a gap of about −35% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ORRF?
No. The price is what the market pays today ($43.82); the fair value is what the company's own numbers justify ($28.54). For Orrstown Financial Services Inc the two are $15.28 per share apart. That gap is exactly why we show both numbers side by side.
How much is Orrstown Financial Services Inc worth?
The market values Orrstown Financial Services Inc at about $852M (market capitalisation, as of Nov 5, 2026). Per share that is $43.82; our models calculate a fair value of $28.54 per share.
What do the bullish and bearish scenarios say about ORRF?
Our models span a range for Orrstown Financial Services Inc: cautious scenario $23.75, base $28.54, optimistic $40.39 per share (as of Nov 5, 2026, price $43.82). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ORRF?
Orrstown Financial Services Inc trades at a price-to-earnings ratio of 9.8 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $28.54 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 8 of the years ex one-offs: 10.2. Other multiples: P/B 1.4, P/S 3.3, EV/EBITDA 9.6.
How solid is the balance sheet of Orrstown Financial Services Inc (ORRF)?
Balance-sheet figures for Orrstown Financial Services Inc (as of Nov 5, 2026): return on equity 14.8%, debt of 0.53 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is ORRF from its 52-week high?
Orrstown Financial Services Inc trades at $43.82, about 3% below its 52-week high of $45.27 and 34% above the low of $32.81 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $28.54 is for.
Which stocks are comparable to Orrstown Financial Services Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Orrstown Financial Services Inc stock attractive at the current price?
The data as of Nov 5, 2026: price $43.82, calculated fair value $28.54 (−35%), Quality Score 40/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ORRF calculated?
We run Orrstown Financial Services Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $28.54 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Orrstown Financial Services Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Orrstown Financial Services Inc (ORRF)?
The closing price on Nov 6, 2026 was $43.82. Our model-based fair value is $28.54, about 35% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Orrstown Financial Services Inc right now?
The price sits above even our optimistic bull case ($40.39). The favourable scenario is already priced in. Weak quality (40/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Orrstown Financial Services Inc

How large is the market capitalisation of Orrstown Financial Services Inc (ORRF)?
The market capitalisation of Orrstown Financial Services Inc is $852M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Orrstown Financial Services Inc (ORRF)?
The price-to-sales ratio of Orrstown Financial Services Inc is 3.31 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Orrstown Financial Services Inc (ORRF)?
Earnings per share at Orrstown Financial Services Inc are $4.49 (price ÷ EPS = P/E 9.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Orrstown Financial Services Inc (ORRF)?
The dividend yield of Orrstown Financial Services Inc is 2.7% (payout 26.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Orrstown Financial Services Inc (ORRF)?
The net margin of Orrstown Financial Services Inc is 34.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Orrstown Financial Services Inc (ORRF)?
The return on equity (ROE) of Orrstown Financial Services Inc is 14.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Orrstown Financial Services Inc (ORRF)?
On an EBIT basis the return on assets of Orrstown Financial Services Inc is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Orrstown Financial Services Inc (ORRF)?
The operating margin of Orrstown Financial Services Inc is 47.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Orrstown Financial Services Inc (ORRF)?
Revenue at Orrstown Financial Services Inc is growing +2.6% versus a year earlier (3y avg +38.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Orrstown Financial Services Inc (ORRF)?
Earnings per share at Orrstown Financial Services Inc are growing +3.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Orrstown Financial Services Inc (ORRF) generate?
The free cash flow of Orrstown Financial Services Inc is $70.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Orrstown Financial Services Inc (ORRF) carry?
The net debt of Orrstown Financial Services Inc is $294M (fiscal year 2025, ≈ 4.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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