ORRF
Financial ServicesOrrstown Financial Services, Inc. · Banks - Regional · $720M
What is Orrstown Financial Services, Inc.?
Orrstown Financial Services is the holding company for Orrstown Bank, a community-focused institution serving Pennsylvania and Maryland markets. Founded in 1919 and headquartered in Shippensburg, Pennsylvania, the bank has built a multi-county presence across both states.
Orrstown Bank generates revenue through traditional commercial banking — accepting deposits and extending loans across commercial real estate, construction, consumer, and residential mortgage categories. The company also earns fee income through trust and fiduciary services under the Orrstown Financial Advisors brand, plus investment advisory, insurance, and retail brokerage services offered through third-party arrangements.
Orrstown Financial Services was founded in 1919 and is headquartered in Shippensburg, Pennsylvania.
- Commercial and industrial lending
- Consumer and residential mortgage loans
- Trust, fiduciary, and investment advisory services
- Retail brokerage and insurance products
Is ORRF a Good Stock to Buy?
UQS Score rates ORRF as Good overall, reflecting a mixed but constructive profile for a small community bank.
The Quality pillar stands out as the clearest positive, suggesting the bank's core financial health compares favorably within its peer group. Valuation is rated Attractive, meaning the stock does not appear to carry a premium price relative to fundamentals.
The Moat and Risk pillars are both rated Weak, pointing to limited competitive differentiation and above-average risk factors that investors should weigh carefully.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does ORRF pay dividends?
Yes — Orrstown Financial Services, Inc. pays a dividend.
Orrstown Financial pays a regular dividend, consistent with the income-oriented tradition of community banks. This reflects the company's commitment to returning capital to shareholders alongside its lending and fee-based operations. Income-focused investors often view consistent dividend payments as a signal of financial stability at the bank level.
When does ORRF report earnings?
Orrstown Financial Services reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
Results tend to reflect trends in net interest income, loan growth across its Pennsylvania and Maryland footprint, and fee revenue from trust and advisory services. Credit quality and deposit costs are key variables that shape quarterly outcomes for community banks like Orrstown.
For the most recent quarter's results and guidance, visit Orrstown Financial Services' investor relations page directly.
ORRF Price History
+74.3% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Orrstown Financial Services, Inc.?
Based on Orrstown Financial Services, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
ORRF Long-term Outlook
The Growth pillar is rated Neutral, suggesting Orrstown is expanding at a pace broadly in line with regional banking peers rather than outpacing them. The Weak Risk rating indicates meaningful headwinds — including credit, interest rate, and concentration risks common to smaller community banks — that could temper the growth outlook. The Attractive Valuation label suggests the market has already priced in some of these concerns.
Growth drivers
- Expansion of commercial lending across its multi-county Pennsylvania and Maryland footprint
- Fee income growth from trust, fiduciary, and investment advisory services
- Potential for deposit base growth in underserved community markets
Key risks
- Interest rate sensitivity affecting net interest margins
- Credit concentration risk in commercial real estate lending
- Limited competitive moat relative to larger regional and national banks
ORRF vs Peers
Orrstown Financial operates in a competitive regional banking landscape alongside several similarly sized community and mid-tier institutions.
HomeTrust operates primarily across the Southeast, giving it a different geographic exposure and growth dynamic compared to Orrstown's Mid-Atlantic focus.
Customers Bancorp pursues a more technology-forward banking model, contrasting with Orrstown's traditional community branch network.
Southern Missouri Bancorp serves rural Midwest markets, sharing a community-banking orientation with Orrstown but in a distinct regional economy.
Frequently Asked Questions
What does Orrstown Financial Services do?
Orrstown Financial Services is the holding company for Orrstown Bank, which provides commercial banking, consumer lending, residential mortgages, and trust services across Pennsylvania and Maryland. It also offers investment advisory, insurance, and brokerage services through its Orrstown Financial Advisors brand.
Does ORRF pay dividends?
Yes, Orrstown Financial Services pays a regular dividend. This is consistent with the income-return tradition of community bank holding companies. For current dividend amounts and payment schedules, check the company's investor relations page.
When does ORRF report earnings?
Orrstown Financial reports on a quarterly cadence, as is standard for US-listed bank holding companies. Exact dates are published in advance on the company's investor relations page, which is the most reliable source for upcoming reporting schedules.
Is ORRF a good stock to buy?
UQS Score rates ORRF as Good overall. The Quality pillar is Strong and Valuation is Attractive, which are positives. However, the Moat and Risk pillars are both rated Weak, indicating meaningful risks and limited competitive differentiation. The full pillar breakdown is available to Pro members.
Is ORRF overvalued?
Based on the UQS Valuation pillar, ORRF is rated Attractive, suggesting the stock is not trading at an elevated premium relative to its fundamentals. For community banks, valuation is often tied to book value and earnings power — both of which are analyzed in the full UQS report.
How does ORRF compare to its competitors?
Orrstown competes with regional community banks like HomeTrust Bancshares and Southern Missouri Bancorp. Its Mid-Atlantic footprint and trust services business differentiate it somewhat, though its Weak Moat rating suggests limited structural advantages over peers. The UQS competitor comparison provides a side-by-side quality view.
What is ORRF's market cap bracket?
Orrstown Financial Services is classified as a small-cap company. This places it among smaller community bank holding companies, which typically carry different liquidity and volatility characteristics compared to large-cap regional or national banks.
Who founded Orrstown Financial Services?
Orrstown Bank traces its roots to 1919, making it a century-old community institution. Founding details are part of the company's public history, available through its official website and investor relations materials.
Is ORRF a long-term quality investment?
As a long-term quality indicator, ORRF's Strong Quality pillar is encouraging, but the Weak Moat and Weak Risk ratings suggest durability of competitive position and risk management are areas to monitor. Long-term investors should weigh these factors alongside the Attractive Valuation. The full UQS analysis is available to Pro members.
What is the main competitive advantage of Orrstown Financial Services?
Orrstown's primary advantages are its deep community roots across Pennsylvania and Maryland and its diversified revenue mix — combining traditional lending with trust, fiduciary, and advisory services. However, the UQS Moat pillar is rated Weak, indicating these advantages may not be strongly defensible against larger competitors.
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Pro Analysis
ORRF — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 7, 2026 | 53.4 | 84.0 | 26.0 | 46.9 | 39.8 | 70.1 | -3.6 |
| May 4, 2026 | 57.0 | 84.0 | 26.0 | 48.1 | 39.8 | 93.1 | -0.1 |
| May 3, 2026 | 57.1 | 84.0 | 26.0 | 48.2 | 39.8 | 93.1 | 0.0 |
| Apr 26, 2026 | 57.1 | 84.0 | 26.0 | 48.2 | 39.8 | 93.2 | +0.1 |
| Apr 19, 2026 | 57.0 | 84.0 | 26.0 | 48.3 | 39.8 | 92.7 | -0.1 |
| Apr 18, 2026 | 57.1 | 84.0 | 26.0 | 48.3 | 39.8 | 93.0 | -0.9 |
| Apr 12, 2026 | 58.0 | 84.0 | 26.0 | 48.3 | 39.8 | 99.4 | -0.1 |
| Apr 4, 2026 | 58.1 | 84.0 | 26.0 | 48.3 | 39.8 | 99.7 | 0.0 |
| Apr 2, 2026 | 58.1 | 84.0 | 26.0 | 48.3 | 39.8 | 99.9 | — |
ORRF — Pillar Breakdown
Quality
— 85.7/100 (25%)Orrstown Financial Services, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 46.9/100 (20%)Orrstown Financial Services, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 69.8/100 (15%)Orrstown Financial Services, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 71.8/100 (15%)Orrstown Financial Services, Inc. trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 26/100 (25%)Orrstown Financial Services, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for ORRF.
Score Composition
Financial Data
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How is the ORRF UQS Score Calculated?
The UQS (Unified Quality Score) for Orrstown Financial Services, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Orrstown Financial Services, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Orrstown Financial Services, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.