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    Orrstown Financial Services (ORRF)

    Market Price (9/21/2026): $42.43 | Market Cap: $819.5 MilSector: Financials | Industry: Regional Banks

    Orrstown Financial Services (ORRF)

    Market Price (9/21/2026): $42.43
    Market Cap: $819.5 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.2%, FCF Yield is 11%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -73%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 35%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34%

    Low stock price volatility
    Vol 12M is 25%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

    Trading close to highs
    Dist 52W High is -3.3%, Dist 3Y High is -3.3%

    Weak multi-year price returns
    2Y Excs Rtn is -8.0%

    Weak revenue growth
    Rev Chg QQuarterly Revenue Change % is -0.5%

    Key risks
    ORRF key risks include [1] heightened credit risk due to a notable concentration in commercial real estate lending.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.2%, FCF Yield is 11%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -73%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 35%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34%
    3 Low stock price volatility
    Vol 12M is 25%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
    5 Trading close to highs
    Dist 52W High is -3.3%, Dist 3Y High is -3.3%
    6 Weak multi-year price returns
    2Y Excs Rtn is -8.0%
    7 Weak revenue growth
    Rev Chg QQuarterly Revenue Change % is -0.5%
    8 Key risks
    ORRF key risks include [1] heightened credit risk due to a notable concentration in commercial real estate lending.

    ORRF in ETFs

    Weight = ORRF's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.03%
    SCHD0.02%
    KRE0.18%
    AVUV0.08%
    VTWO0.03%
    DFAS0.02%
    +5 more covered ETFs

    Valuation & Metrics

    FYE: 12/31ORRF [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$252.3 Mil—
    FY 2026 Sales$259.9 Mil—
    FY 2027 Sales$271.0 Mil—
    FY 2026 Sales Growth3.0%—
    FY 2027 Sales Growth4.3%12.9%
    EARNINGS
    LTM Net Income (GAAP) [3]$86.3 Mil—
    FY 2026 Net Income (Non-GAAP)$72.2 Mil—
    FY 2027 Net Income (Non-GAAP)$73.8 Mil—
    FY 2027 Net Income Growth2.2%18.1%
    FY 2026 EPS (Non-GAAP)$4.32—
    FY 2027 EPS (Non-GAAP)$4.40—
    FY 2027 EPS Growth1.9%—
    VALUATION
    FY 2026 P/S3.21.6
    FY 2027 P/S3.0—
    FY 2026 P/E11.37.4
    FY 2027 P/E11.1—

    [1] ORRF forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 9/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    ORRFS&P 500
    REVENUE GROWTH 
    Rev LTM ($ Bil)0.3
    Rev Chg Q-0.5%9.3%
    Rev Chg LTM2.6%8.3%
    Rev Chg 3Y Avg30.6%5.8%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.1
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM34.8%21.8%
    Net Inc Mgn34.2%13.1%
    VALUATIONLOW
    P/S3.23.1
    P/CFO9.314.8
    P/FCF9.619.3
    P/E9.522.5

    AI Analysis | Feedback

    MetricValueDateSource
    Return on Average Assets1.60%9302025Link
    Return on Average Equity15.72%9302025Link
    Efficiency Ratio56.4%9302025Link
    Net Interest Margin4.11%9302025Link
    Non-performing Assets to Total Assets0.02%9302025Link
    Assets Under Management$3.2 billion12312024Link
    Number of Full-Service Branches3811302024Link
    Tier 1 Leverage Ratio (Holding Company)9.3%9302025Link
    Tangible Book Value per Share$24.129302025Link
    Allowance for Credit Losses to Total Loans1.21%9302025Link

    Price Chart

    Upcoming
    10/20/2026Earnings ReleaseRev: $66 Mil (E)
    EPS: $1.10 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 9/4/2026

    Orrstown Financial Services (ORRF) stock has gained about 15% since 5/31/2026 because of the following key factors:

    1. Orrstown Financial Services (ORRF) reported a stronger-than-expected fiscal Q2 2026 earnings performance.

    The company announced diluted earnings per share (EPS) of $1.09 for the three months ended June 30, 2026, surpassing analysts' consensus estimates of $1.03 by $0.06, representing a positive surprise of 5.83%. Net income for fiscal Q2 2026 reached $21.2 million, an increase from $19.4 million in fiscal Q2 2025.

    2. The company demonstrated strong underlying financial health and growth in key areas.

    Orrstown Financial Services maintained a robust credit risk profile and continued to build its capital ratios through earnings generation. Its tangible book value per common share increased to $26.71 at June 30, 2026, up from $25.76 at March 31, 2026. Additionally, wealth management income rose by $0.3 million to $5.9 million for fiscal Q2 2026 compared to fiscal Q1 2026, contributing to fee income.

    Show more
    Updated on 9/4/2026

    Orrstown Financial Services (ORRF) stock has gained about 15% since 5/31/2026 because of the following key factors:

    1. Orrstown Financial Services (ORRF) reported a stronger-than-expected fiscal Q2 2026 earnings performance.

    The company announced diluted earnings per share (EPS) of $1.09 for the three months ended June 30, 2026, surpassing analysts' consensus estimates of $1.03 by $0.06, representing a positive surprise of 5.83%. Net income for fiscal Q2 2026 reached $21.2 million, an increase from $19.4 million in fiscal Q2 2025.

    2. The company demonstrated strong underlying financial health and growth in key areas.

    Orrstown Financial Services maintained a robust credit risk profile and continued to build its capital ratios through earnings generation. Its tangible book value per common share increased to $26.71 at June 30, 2026, up from $25.76 at March 31, 2026. Additionally, wealth management income rose by $0.3 million to $5.9 million for fiscal Q2 2026 compared to fiscal Q1 2026, contributing to fee income.

    3. A positive broader re-valuation of the regional bank sector boosted ORRF's stock.

    The regional banking industry experienced a significant median share price appreciation of 20% between year-end 2025 and August 24, 2026, outperforming the S&P 500 and Nasdaq. This upswing was primarily driven by a broad re-valuation of the sector's earnings, rather than an improved earnings outlook. For banks with assets between $5 billion and $10 billion, such as Orrstown ($5.6 billion in assets), median price-to-earnings (P/E) multiples increased from 9.4x to 11.5x during this period, contributing to ORRF's gains.

    4. Favorable analyst sentiment and price targets supported the stock's upward trend.

    Analyst consensus as of July 22, 2026, indicated a favorable outlook for ORRF, with 6 buy ratings, 2 hold ratings, and no sell recommendations. By August 30, 2026, approximately 66.67% of analysts recommended a 'BUY' rating for Orrstown Financial Services, with an average target price of $45.75, suggesting an 8.28% upside from the then-current price of $41.96.

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    Stock Movement Drivers

    Fundamental Drivers

    The 14.1% change in ORRF stock from 5/31/2026 to 9/20/2026 was primarily driven by a 12.0% change in the company's P/E Multiple.
    (LTM values as of)53120269202026Change
    Stock Price ($)36.8842.0614.1%
    Change Contribution By: 
    Total Revenues ($ Mil)253252-0.1%
    Net Income Margin (%)33.5%34.2%2.1%
    P/E Multiple8.49.412.0%
    Shares Outstanding (Mil)1919-0.2%
    Cumulative Contribution14.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    5/31/2026 to 9/20/2026
    ReturnCorrelation
    ORRF14.1% 
    Market (SPY)0.9%0.7%
    Sector (XLF)8.3%47.6%

    Fundamental Drivers

    The 18.8% change in ORRF stock from 2/28/2026 to 9/20/2026 was primarily driven by a 15.2% change in the company's Net Income Margin (%).
    (LTM values as of)22820269202026Change
    Stock Price ($)35.4042.0618.8%
    Change Contribution By: 
    Total Revenues ($ Mil)2462522.6%
    Net Income Margin (%)29.7%34.2%15.2%
    P/E Multiple9.39.41.0%
    Shares Outstanding (Mil)1919-0.5%
    Cumulative Contribution18.8%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    2/28/2026 to 9/20/2026
    ReturnCorrelation
    ORRF18.8% 
    Market (SPY)11.6%15.8%
    Sector (XLF)9.2%47.8%

    Fundamental Drivers

    The 24.5% change in ORRF stock from 8/31/2025 to 9/20/2026 was primarily driven by a 94.3% change in the company's Net Income Margin (%).
    (LTM values as of)83120259202026Change
    Stock Price ($)33.7942.0624.5%
    Change Contribution By: 
    Total Revenues ($ Mil)2462522.6%
    Net Income Margin (%)17.6%34.2%94.3%
    P/E Multiple15.09.4-37.1%
    Shares Outstanding (Mil)1919-0.7%
    Cumulative Contribution24.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2025 to 9/20/2026
    ReturnCorrelation
    ORRF24.5% 
    Market (SPY)19.4%22.3%
    Sector (XLF)4.7%51.9%

    Fundamental Drivers

    The 113.7% change in ORRF stock from 8/31/2023 to 9/20/2026 was primarily driven by a 94.3% change in the company's Total Revenues ($ Mil).
    (LTM values as of)83120239202026Change
    Stock Price ($)19.6842.06113.7%
    Change Contribution By: 
    Total Revenues ($ Mil)13025294.3%
    Net Income Margin (%)18.3%34.2%86.7%
    P/E Multiple8.69.410.0%
    Shares Outstanding (Mil)1019-46.5%
    Cumulative Contribution113.7%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2023 to 9/20/2026
    ReturnCorrelation
    ORRF113.7% 
    Market (SPY)75.6%37.9%
    Sector (XLF)69.8%57.7%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    ORRF Return57%-5%32%28%-0%21%205%
    Peers Return35%7%-3%17%10%21%116%
    S&P 500 Return27%-19%24%23%16%12%103%

    Monthly Win Rates [3]
    ORRF Win Rate75%42%50%58%42%89% 
    Peers Win Rate70%43%43%55%55%56% 
    S&P 500 Win Rate75%42%67%75%67%44% 

    Max Drawdowns [4]
    ORRF Max Drawdown-14%-17%-37%-15%-28%-13% 
    Peers Max Drawdown-19%-22%-38%-17%-25%-13% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: FNB, FULT, WSBC, STBA, MPB.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 9/18/2026 (YTD)

    How Low Can It Go

    EventORRFS&P 500
    2025 US Tariff Shock
      % Loss-22.4%-18.8%
      % Gain to Breakeven28.9%23.1%
      Time to Breakeven83 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-30.7%-6.7%
      % Gain to Breakeven44.3%7.1%
      Time to Breakeven76 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-11.8%-24.5%
      % Gain to Breakeven13.4%32.4%
      Time to Breakeven53 days427 days
    2020 COVID-19 Crash
      % Loss-42.6%-33.7%
      % Gain to Breakeven74.4%50.9%
      Time to Breakeven295 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-24.2%-19.2%
      % Gain to Breakeven32.0%23.8%
      Time to Breakeven792 days105 days
    2016-2017 Trump Reflation Bond Selloff
      % Loss-11.2%-3.7%
      % Gain to Breakeven12.7%3.9%
      Time to Breakeven15 days6 days

    Compare to FNB, FULT, WSBC, STBA, MPB

    In The Past

    Orrstown Financial Services's stock fell -22.4% during the 2025 US Tariff Shock. Such a loss loss requires a 28.9% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventORRFS&P 500
    2025 US Tariff Shock
      % Loss-22.4%-18.8%
      % Gain to Breakeven28.9%23.1%
      Time to Breakeven83 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-30.7%-6.7%
      % Gain to Breakeven44.3%7.1%
      Time to Breakeven76 days31 days
    2020 COVID-19 Crash
      % Loss-42.6%-33.7%
      % Gain to Breakeven74.4%50.9%
      Time to Breakeven295 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-24.2%-19.2%
      % Gain to Breakeven32.0%23.8%
      Time to Breakeven792 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-52.7%-17.9%
      % Gain to Breakeven111.3%21.8%
      Time to Breakeven1657 days123 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-20.9%-15.4%
      % Gain to Breakeven26.4%18.2%
      Time to Breakeven106 days125 days

    Compare to FNB, FULT, WSBC, STBA, MPB

    In The Past

    Orrstown Financial Services's stock fell -22.4% during the 2025 US Tariff Shock. Such a loss loss requires a 28.9% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Orrstown Financial Services (ORRF)

    Orrstown Financial Services, Inc. (ORRF) is a bank holding company that primarily offers commercial banking and trust services through its subsidiary, Orrstown Bank. The company operates in a focused regional market, serving customers across several counties in central Pennsylvania and metropolitan areas in Maryland, including Baltimore City and its surrounding counties.

    Its main products and services include a wide array of deposit accounts, such as checking, savings, money market, and time deposits. On the lending side, Orrstown Bank provides diverse loan options for both businesses and individuals. This encompasses commercial loans for purposes like real estate, equipment, construction, and working capital, alongside residential mortgage loans, home equity loans and lines of credit, and various other consumer loans.

    Beyond traditional banking, Orrstown Financial Services expands its offerings through Orrstown Financial Advisors, providing comprehensive wealth management and fiduciary services. These services include acting as a trustee, executor, administrator, and investment advisor. The company further complements its portfolio with investment advisory, insurance, and retail brokerage services, catering to the full financial needs of its individual and business clientele.

    AI Analysis | Feedback

    Here are 1-3 brief analogies for Orrstown Financial Services:

    • Like a smaller, regional version of PNC or M&T Bank, serving communities in Pennsylvania and Maryland.
    • A full-service local financial institution, akin to an independent, community-focused Wells Fargo or Bank of America branch.
    • A one-stop financial shop for its regional communities, offering everything from banking and loans to wealth management, similar to a local Truist or Citizens Bank.

    AI Analysis | Feedback

    • Deposit Accounts: Offers various deposit options such as checking, savings, time, demand, and money market accounts.
    • Commercial Loans: Provides loans for businesses, including commercial real estate, equipment, construction, working capital, industrial, and acquisition and development loans.
    • Consumer Loans: Offers loans to individuals, encompassing home equity loans, home equity lines of credit, and other personal consumer loans.
    • Residential Mortgage Loans: Provides financing for individuals to purchase or refinance homes.
    • Municipal Loans: Offers specialized lending solutions for municipal entities.
    • Fiduciary and Trust Services: Delivers services such as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisory through Orrstown Financial Advisors.
    • Retail Brokerage Services: Offers investment brokerage services to retail clients via a third-party broker/dealer arrangement.
    • Insurance Services: Provides various insurance products and solutions.

    AI Analysis | Feedback

    Orrstown Financial Services (ORRF) serves a diverse customer base, including both individuals and various types of organizations within its operating regions. Its major customer categories include:

    • Individual Consumers: These customers utilize a range of personal banking services, including checking accounts, savings accounts, money market deposits, residential mortgage loans, home equity loans, and other consumer loans. They may also access the company's investment advisory, trust, and brokerage services.

    • Small to Medium-sized Businesses (SMBs) and Commercial Enterprises: The company provides commercial banking services to businesses, including commercial real estate loans, equipment loans, construction loans, working capital loans, industrial loans, and other commercial purpose loans. These businesses also use various deposit services and potentially corporate trust and investment management services.

    • Municipalities and Government Entities: Orrstown Financial Services offers municipal loans and other banking services to local government bodies and public sector organizations.

    AI Analysis | Feedback

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    AI Analysis | Feedback

    Thomas R. Quinn, Jr., President and Chief Executive Officer

    Thomas R. Quinn, Jr. was appointed President and Chief Executive Officer of Orrstown Financial Services, Inc. and Orrstown Bank in May 2009. Before joining Orrstown, he served as President and Chief Executive Officer of Fifth Third Bank's South Florida Affiliate. Mr. Quinn, along with other former officers, settled SEC charges in 2016 related to under-reported impaired loans in 2010 and 2011, without admitting or denying the findings.

    Neelesh Kalani, Executive Vice President, Chief Financial Officer and Chief Accounting Officer

    Neelesh Kalani serves as the Executive Vice President, Chief Financial Officer, and Chief Accounting Officer of Orrstown Financial Services, Inc. He previously held the position of Senior Vice President and Chief Accounting Officer at Sun Bancorp Inc.

    Adam L. Metz, Senior Executive Vice President, Chief Operating Officer

    Adam L. Metz was promoted to Senior Executive Vice President and Chief Operating Officer of Orrstown Financial Services, Inc. and Orrstown Bank in February 2025. He is slated to succeed Thomas R. Quinn, Jr. as President and Chief Executive Officer upon Mr. Quinn's retirement on May 25, 2026. His previous roles at the company include Executive Vice President and Chief Revenue Officer (since February 2019) and Executive Vice President and Chief Lending Officer (September 2016 to February 2019). Prior to joining Orrstown, Mr. Metz served as Senior Vice President, Chief Lending Officer of Metro Bank in Harrisburg, Pennsylvania, from 2011 to 2016.

    Amy Doll, Executive Vice President and Chief Administrative Officer

    Amy Doll is the Executive Vice President and Chief Administrative Officer of Orrstown Financial Services, Inc. and Orrstown Bank. She has also served as Chief Operations and Technology Officer at Orrstown Bank since July 2024. Her prior experience includes roles as Chief Lending Officer at PeoplesBank (May 2014 to September 2024), Regional Vice President at Metro Bank (2007 to 2014), Loan Officer at Sovereign Bank (2006), and Senior Commercial Credit Review Officer at PeoplesBank (2002 to 2006). Ms. Doll holds a Master of Business Administration (MBA) in Finance and Financial Management Services from the University of Baltimore Merrick School of Business.

    Robert G. Coradi, Executive Vice President, Chief Risk Officer; Secretary

    Robert G. Coradi holds the positions of Executive Vice President, Chief Risk Officer, and Secretary at Orrstown Financial Services, Inc. He joined the company in 2012, became Chief Risk Officer in April 2014, and Secretary in 2018. With 25 years of banking experience, Mr. Coradi has held various executive positions prior to Orrstown, including Senior Credit Officer, Chief Operating Officer, and President & Chief Executive Officer. He joined Orrstown from Susquehanna Bank. Mr. Coradi earned his Bachelor's degree in Finance with a Minor in Economics from Penn State University and an MBA with a Finance Concentration from Mt. St. Mary's College.

    AI Analysis | Feedback

    Here are the key risks to Orrstown Financial Services (ORRF):
    1. Interest Rate Risk and Net Interest Margin Compression: Orrstown Financial Services is significantly exposed to changes in interest rates, which can adversely impact its financial condition, particularly its net interest income and the value of its interest-earning assets. The company's 2024 10-K report highlights this as a market risk. Recent projections for 2026 anticipate ongoing net interest margin compression due to potential rate cuts and deposit pricing dynamics, though management expects stabilization.
    2. Credit Risk and Asset Quality Deterioration: As a commercial bank, Orrstown's profitability is tied to the credit quality of its loan portfolio. Volatile economic conditions can negatively affect the financial services industry, increasing credit risk. The company has a notable concentration in commercial real estate loans, which are susceptible to market conditions and could lead to higher charge-offs and increased allowances for credit losses. While management has stated that increased delinquencies are not seen as a broader trend, credit risk remains a critical watch point for community banks, especially concerning commercial real estate and the impact of economic slowdowns.
    3. Cybersecurity Risks and Fraud: Orrstown Financial Services faces growing security risks to its information systems. Such threats could result in operational disruptions, data breaches, and reputational harm. The banking industry, including community banks, is increasingly targeted by sophisticated and AI-driven fraud attempts, requiring constant vigilance to blunt losses and prevent customer account takeovers.

    AI Analysis | Feedback

    The most significant clear emerging threat to Orrstown Financial Services is the accelerating rise and adoption of digital-only banks (neobanks) and specialized financial technology (fintech) platforms. These competitors offer core banking services, including deposits, various loan types (consumer, small business, residential mortgage), and investment advisory, entirely through online and mobile channels. Their business model often boasts lower operating costs, faster service delivery, and superior digital user experiences, enabling them to provide more competitive rates or streamlined processes than traditional banks with extensive physical branch networks. This directly challenges Orrstown's ability to attract and retain customers for its fundamental banking products and services, especially as consumer preferences continue to shift towards digital convenience and efficiency.

    AI Analysis | Feedback

    Orrstown Financial Services (symbol: ORRF) operates in the financial services sector, primarily offering commercial banking and trust services, alongside various loan products, investment advisory, insurance, and brokerage services. The addressable markets for their main products and services in their operating regions (Pennsylvania and Maryland) are detailed below:

    Commercial Banking (including Deposits, Commercial & Industrial Loans, and Consumer Loans)

    • The Commercial Banking industry in Pennsylvania is projected to reach approximately $43.2 billion in 2026. This market encompasses receiving deposits from customers and issuing consumer, commercial, and industrial loans.
    • In Maryland, banks held approximately $195 billion in deposits in 2024. The commercial banking industry in Maryland includes providing financial services to retail and business clients in the form of commercial, industrial, and consumer loans, and accepting deposits.
    • The broader U.S. Commercial Banking market size is estimated at $226.44 billion in 2024 and is expected to grow to $269.28 billion by 2029. Another estimate places the U.S. commercial banking market at $231.9 billion in 2024, projected to reach $351.8 billion by 2033.

    Commercial Loans (specifically)

    • While a precise overall commercial loan market size for Pennsylvania is not available, commercial and industrial (C&I) loans constituted 13.1% of total loans in Pennsylvania in 2010. Loans provided to businesses by Community Development Financial Institutions (CDFIs) in Pennsylvania totaled $428.46 million across fiscal years 2018, 2019, and 2021.
    • In Maryland, small business loans amounted to $10.2 billion in 2024.
    • For the U.S., the overall loan market was valued at $1.12 trillion in 2024 and is expected to reach $1.87 trillion by 2030, covering both consumer and business financing. Commercial lending accounted for 43.78% of the U.S. commercial banking market share in 2025. Commercial real estate lending in the U.S. is forecast to increase by 16% to $583 billion in 2025.

    Consumer Loans (specifically)

    • In Pennsylvania, consumer loans represented 3.8% of total loans in 2010.
    • Specific market size data for consumer loans in Maryland was not identified.
    • The U.S. Personal Loans Market was valued at $429.78 billion in 2025 and is projected to reach $481.18 billion in 2026.

    Residential Mortgage Loans

    • The Real Estate Loans & Collateralized Debt industry in Pennsylvania is estimated to be $11.7 billion in 2026. In 2022, there were approximately 126,000 mortgage originations for owner-occupied homes in Pennsylvania.
    • In Maryland, new home loans booked in 2024 totaled $23.2 billion, with 53,554 new home loans. The median sale price of a home in Maryland is around $435,900.
    • U.S. single-family mortgage originations, based on agency securitization data, increased to $246 billion in Q1 2025.

    Investment Advisory Services (including Trust and Fiduciary Services)

    • The Portfolio Management & Investment Advice industry in Pennsylvania is estimated at $24.3 billion in 2026.
    • Specific market size data for investment advisory or trust services in Maryland was not identified.
    • The U.S. Financial Advisory Market, in terms of assets under management, is expected to reach $90.54 trillion in 2025 and grow to $101.74 trillion by 2030. The global financial advisory services market size was valued at $117.04 billion in 2025 and is expected to reach $124.2 billion in 2026.

    Insurance Services

    • Null

    Brokerage Services (Retail)

    • Specific market size data for retail brokerage services provided through a third-party broker/dealer arrangement in Pennsylvania or Maryland was not identified.
    • The U.S. Securities Brokerage market size is estimated at $4.03 billion in 2026 and is projected to reach $4.93 billion by 2031.

    AI Analysis | Feedback

    Orrstown Financial Services (ORRF) is expected to drive future revenue growth over the next 2-3 years through several key initiatives:
    • Strong Loan Growth: The company anticipates continued robust loan growth, targeting 5% or better for 2026. This growth is expected across various loan categories, including commercial real estate, equipment, construction, working capital, and residential mortgages. Orrstown has a strong loan pipeline, which is considered its highest since its merger.
    • Enhanced Fee Income Generation: Orrstown Financial Services is focused on increasing its non-interest income, particularly through wealth management services, swap fees, and treasury management. The company aims for fee income to consistently exceed 20% of total revenues, and recent quarters have shown strong performance in this area, reaching 21-22% of operating revenue. Strategic investments in talent, such as hiring a Chief Wealth Officer, are designed to further expand the wealth management business.
    • Strategic Expansion and Integration: The merger with Codorus Valley Bancorp, finalized in July 2024, significantly expanded Orrstown's market footprint and asset base. The company's strategy involves effective post-merger integration and a continued exploration of strategic acquisition opportunities to further enhance its market position and financial performance.
    • Operational Efficiency and Expense Management: Orrstown is committed to improving its operational efficiency and managing expenses, aiming for a target efficiency ratio of 55% by early 2026. These initiatives include streamlining back-office operations, investing in technology, and making staffing model adjustments, which are expected to generate annual expense savings and contribute to stronger net income.

    AI Analysis | Feedback

    Here's a summary of Orrstown Financial Services' capital allocation decisions over the last 3-5 years:

    Share Repurchases

    • Orrstown Financial Services' Board of Directors authorized a share repurchase program on June 23, 2025, allowing the company to buy back up to 500,000 shares of its common stock.
    • This authorized repurchase represents approximately 2.5% of the company's total outstanding common stock.

    Share Issuance

    • No significant share issuances for capital raising purposes were identified in the available information.

    Inbound Investments

    • No information available regarding large inbound investments made in the company by third-parties.

    Outbound Investments

    • Orrstown Financial Services completed a merger with Codorus Valley Bancorp on July 1, 2024, in a transaction valued at $233.4 million.
    • This acquisition expanded Orrstown's market presence into York, Pennsylvania, and deepened its penetration in existing markets.

    Capital Expenditures

    • Information available mentions ongoing investments in wealth management and sales teams.
    • No specific dollar values for capital expenditures or detailed plans for upcoming capital expenditures were readily available in the provided sources.

    Peer Outperformance in Regional Banks

    ORRF has outperformed 82% of its 264 Regional Banks peers over 5Y. Regional Banks ranks 7th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that ORRF has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    47%
    of 288 industry peers · 22.4% return
    3Y
    69%
    of 277 industry peers · 112.4% return
    5Y
    82%
    of 264 industry peers · 120.3% return
    No Regional Banks peer with a comparable growth profile has beaten ORRF by more than 20pp over 5Y.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is ORRF's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 24.2%70.6%133.7% SPNT 170% · RGA 154% · RNR 140%
    Investment Banking & Brokerage 13 -1.7%105.1%116.5% IBKR 527% · SNEX 257% · HOOD 183%
    Diversified Banks 12 27.5%129.8%116.3% CM 161% · JPM 159% · RY 149%
    Life & Health Insurance 20 8.6%57.6%105.8% JXN 534% · UNM 373% · FG 207%
    Multi-Sector Holdings 4 6.8%50.2%87.3% JONE 361% · VOYA 88% · BRK-B 87%
    Property & Casualty Insurance 42 9.6%67.5%67.8% ASIC 2760900% · HRTG 445% · UVE 331%
    Regional Banks ← 265 23.9%91.7%67.1% ESQ 391% · GCBC 340% · VBNK 335%
    Multi-line Insurance 9 8.8%71.2%64.1% GNW 201% · L 112% · SLF 104%
    Financial Exchanges & Data 15 -0.1%17.4%32.7% VIRT 184% · CBOE 135% · CME 83%
    Diversified Financial Services 4 -7.3%22.1%32.6% FRHC 168% · EQH 119% · TMS -54%
    Consumer Finance 30 1.7%89.6%26.9% ENVA 447% · EZPW 319% · FCFS 168%
    Insurance Brokers 16 -15.1%-6.3%20.3% LIFE 200% · ARX 87% · AJG 70%
    Commercial & Residential Mortgage Finance 14 -50.2%32.8%13.9% FNMA 454% · FMCC 436% · ACT 204%
    Asset Management & Custody Banks 84 -11.7%17.6%12.0% WT 348% · SII 279% · VCTR 274%
    Specialized Finance 3 14.0%42.2%-2.8% EFC 27% · CACC -3% · HASI -16%
    Mortgage REITs 33 -13.0%7.4%-16.5% NREF 53% · RITM 42% · DX 34%
    Transaction & Payment Processing Services 15 -1.0%-5.9%-42.9% V 74% · MA 73% · CPAY 58%
    Diversified Capital Markets 20 -36.3%20.7%-48.1% OPY 196% · LPLA 136% · GOLD 90%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

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    Financials

    ORRFFNBFULTWSBCSTBAMPBMedian
    NameOrrstown.F N B Fulton F.Wesbanco S&T Banc.Mid Penn. 
    Mkt Price42.0617.9323.4039.3750.1736.9438.16
    Mkt Cap0.86.44.53.81.80.92.8
    Rev LTM2521,8281,3661,052416261734
    Op Inc LTM-------
    FCF LTM8662241239414374269
    FCF 3Y Avg5850032925615162203
    CFO LTM8870442639614780271
    CFO 3Y Avg6060236126615569211

    Growth & Margins

    ORRFFNBFULTWSBCSTBAMPBMedian
    NameOrrstown.F N B Fulton F.Wesbanco S&T Banc.Mid Penn. 
    Rev Chg LTM2.6%11.8%5.9%38.0%8.1%35.5%9.9%
    Rev Chg 3Y Avg30.6%4.3%8.0%21.3%0.8%16.1%12.0%
    Rev Chg Q-0.5%5.5%12.2%5.5%5.2%39.9%5.5%
    QoQ Delta Rev Chg LTM-0.1%1.3%3.0%1.4%1.3%9.0%1.4%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM34.8%38.5%31.2%37.7%35.3%30.7%35.1%
    CFO/Rev 3Y Avg29.1%35.9%29.7%32.7%39.0%33.5%33.1%
    FCF/Rev LTM34.0%34.0%30.2%37.5%34.4%28.3%34.0%
    FCF/Rev 3Y Avg28.0%29.8%27.2%31.3%38.0%30.5%30.1%

    Valuation

    ORRFFNBFULTWSBCSTBAMPBMedian
    NameOrrstown.F N B Fulton F.Wesbanco S&T Banc.Mid Penn. 
    Mkt Cap0.86.44.53.81.80.92.8
    P/S3.23.53.33.64.33.63.5
    P/Op Inc-------
    P/EBIT-------
    P/E9.410.611.310.612.713.711.0
    P/CFO9.39.110.59.512.211.710.0
    Total Yield13.4%12.2%12.1%13.1%10.8%9.6%12.2%
    Dividend Yield2.7%2.8%3.3%3.7%3.0%2.3%2.9%
    FCF Yield 3Y Avg10.9%8.8%9.3%9.3%10.4%11.1%9.9%
    D/E0.30.60.40.50.20.20.4
    Net D/E-0.7-0.2-0.50.2-0.5-0.5-0.5

    Returns

    ORRFFNBFULTWSBCSTBAMPBMedian
    NameOrrstown.F N B Fulton F.Wesbanco S&T Banc.Mid Penn. 
    1M Rtn0.1%-2.5%-1.0%-2.8%-0.4%-0.8%-0.9%
    3M Rtn8.5%-0.9%3.0%9.5%7.9%10.8%8.2%
    6M Rtn22.8%13.6%21.3%21.3%27.7%20.2%21.3%
    12M Rtn22.4%13.3%25.3%27.3%32.0%21.2%23.8%
    3Y Rtn112.4%84.8%116.5%91.2%110.3%99.2%104.7%
    1M Excs Rtn1.5%-2.0%-0.3%-2.7%0.9%0.5%0.1%
    3M Excs Rtn6.5%-2.9%1.0%7.5%5.9%8.8%6.2%
    6M Excs Rtn7.1%-2.2%6.6%5.2%11.2%3.9%5.9%
    12M Excs Rtn8.4%-2.3%11.4%16.0%19.2%7.8%9.9%
    3Y Excs Rtn38.4%4.6%32.9%12.8%34.8%25.4%29.1%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/6/20265/8/20263/12/202611/6/20258/8/20255/9/20253/31/202511/12/20248/8/20245/9/20243/14/202411/8/2023
    Key Financials Quarterly            
    Total Revenue626364636260616333333232
    Net Income21222122191814-88989
    EPS1.101.131.121.141.010.940.72-0.410.740.820.740.87
    Key Financials TTM            
    Total Revenue TTM252253249246246217190162130130129131
    Net Income TTM868581734332221633353638
    Growth Rates Quarterly            
    Total Revenue Growth-0.5%6.3%4.7%0.3%87.7%80.1%89.6%98.9%-0.9%3.4%-3.6%2.1%
    Net Income Growth8.8%20.8%57.1%376.7%151.3%111.6%79.0%-187.6%-21.3%-6.8%-20.6%287.0%
    Margins Quarterly            
    Net Income Margin34.4%34.4%33.6%34.4%31.5%30.2%22.4%-12.5%23.5%25.7%23.8%28.4%
    Cash & Debt            
    Total Cash8748911518518162871,0791,064662698579590
    Total Debt283244312246205169184184147147170189
    Net Debt / (Cash)-591-647161-605-610-118-895-880-514-551-409-401
    Cash Flows Quarterly            
    FCF from Operations23261623241187613148
    Cash Flows TTM            
    FCF from Operations TTM888975675133354041514428
    Returns to Shareholders Quarterly            
    Dividends665555442222
    Share Repurchases110200-02-010-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC--15.3%--26.7%------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM--14.4%--11.7%------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Community Banking249190129125115
    Total249190129125115


    Price Behavior

    Price Behavior
    Market Price$42.06 
    Market Cap ($ Bil)0.8 
    First Trading Date05/13/1999 
    Distance from 52W High-3.3% 
       50 Days200 Days
    DMA Price$42.17$37.96
    DMA Trendupup
    Distance from DMA-0.3%10.8%
     3M1YR
    Volatility19.4%25.3%
    Downside Capture-13.6336.23
    Upside Capture31.0953.59
    Correlation (SPY)0.1%21.9%
    ORRF Betas & Captures as of 8/31/2026

     1M2M3M6M1Y3Y
    Beta0.250.11-0.050.250.440.71
    Up Beta0.84-0.12-0.650.030.430.68
    Down Beta-1.38-0.57-0.200.010.380.69
    Up Capture-5%34%48%48%44%57%
    Bmk +ve Days10213268138427
    Stock +ve Days8183568125365
    Down Capture38%40%-9%31%46%87%
    Bmk -ve Days11213259113324
    Stock -ve Days13232855119375

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with ORRF
    ORRF24.4%25.3%0.82-
    Sector ETF (XLF)4.5%14.6%0.0851.6%
    Equity (SPY)16.9%12.9%0.9422.0%
    Gold (GLD)19.1%29.3%0.60-10.6%
    Commodities (DBC)46.3%20.6%1.73-26.8%
    Real Estate (VNQ)4.9%13.6%0.1038.5%
    Bitcoin (BTCUSD)-30.6%44.3%-0.704.3%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with ORRF
    ORRF16.8%28.6%0.55-
    Sector ETF (XLF)10.1%18.4%0.4148.7%
    Equity (SPY)12.9%17.2%0.5734.8%
    Gold (GLD)19.1%18.8%0.83-4.2%
    Commodities (DBC)11.2%19.5%0.453.1%
    Real Estate (VNQ)1.1%18.8%-0.0535.6%
    Bitcoin (BTCUSD)12.5%52.5%0.4213.8%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with ORRF
    ORRF9.3%35.4%0.35-
    Sector ETF (XLF)12.9%22.1%0.5355.1%
    Equity (SPY)15.1%18.0%0.7243.0%
    Gold (GLD)12.1%16.4%0.61-4.8%
    Commodities (DBC)8.3%18.1%0.3712.5%
    Real Estate (VNQ)4.4%20.7%0.1843.6%
    Bitcoin (BTCUSD)62.6%66.2%1.0212.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date8312026
    Short Interest: Shares Quantity0.5 Mil
    Short Interest: % Change Since 8152026-1.6%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest5.9 days
    Basic Shares Quantity19.3 Mil
    Short % of Basic Shares2.7%

    Returns Analyses

    Earnings Returns History

    Updated 8/24/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/22/20260.3%5.7%1.9%
    4/22/2026-5.0%-0.9%-2.0%
    1/28/2026-4.1%5.6%4.5%
    10/22/20254.4%2.0%1.4%
    7/23/20257.7%-0.9%-1.5%
    4/23/20252.5%7.8%9.8%
    1/31/2025-0.7%-5.3%-8.2%
    10/22/20243.2%3.8%9.4%
    ...
    SUMMARY STATS   
    # Positive201919
    # Negative455
    Median Positive2.7%3.8%5.9%
    Median Negative-2.4%-0.9%-2.0%
    Max Positive11.9%11.5%21.3%
    Max Negative-5.0%-5.3%-8.2%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/22/20260.3%5.7%1.9%
    4/22/2026-5.0%-0.9%-2.0%
    1/28/2026-4.1%5.6%4.5%
    10/22/20254.4%2.0%1.4%
    7/23/20257.7%-0.9%-1.5%
    4/23/20252.5%7.8%9.8%
    1/31/2025-0.7%-5.3%-8.2%
    10/22/20243.2%3.8%9.4%
    7/23/20244.8%10.5%5.9%
    4/23/20241.4%1.3%4.4%
    1/23/20242.1%1.3%-5.8%
    10/24/20230.2%3.8%16.6%
    7/25/20234.5%8.0%3.7%
    4/25/20231.8%-1.9%3.9%
    1/24/20230.5%3.8%-0.8%
    10/18/20222.3%6.4%12.5%
    7/19/20225.4%5.4%10.1%
    4/19/202211.9%11.5%8.1%
    1/19/2022-0.7%-0.5%0.1%
    10/19/20210.7%1.0%2.2%
    7/20/20213.8%2.2%3.2%
    4/20/20217.2%10.3%17.1%
    1/20/20211.6%2.6%8.6%
    10/20/20202.8%3.2%21.3%
    SUMMARY STATS   
    # Positive201919
    # Negative455
    Median Positive2.7%3.8%5.9%
    Median Negative-2.4%-0.9%-2.0%
    Max Positive11.9%11.5%21.3%
    Max Negative-5.0%-5.3%-8.2%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202605/08/202610-Q
    12/31/202503/12/202610-K
    09/30/202511/06/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/09/202510-Q
    12/31/202403/31/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/08/202410-Q
    03/31/202405/09/202410-Q
    12/31/202303/14/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/08/202310-Q
    03/31/202305/09/202310-Q
    12/31/202203/16/202310-K
    09/30/202211/09/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202605/08/202610-Q
    12/31/202503/12/202610-K
    09/30/202511/06/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/09/202510-Q
    12/31/202403/31/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/08/202410-Q
    03/31/202405/09/202410-Q
    12/31/202303/14/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/08/202310-Q
    03/31/202305/09/202310-Q
    12/31/202203/16/202310-K
    09/30/202211/09/202210-Q
    06/30/202208/04/202210-Q
    03/31/202205/05/202210-Q
    12/31/202103/11/202210-K
    09/30/202111/05/202110-Q
    06/30/202108/05/202110-Q
    03/31/202105/07/202110-Q
    12/31/202003/15/202110-K
    09/30/202011/05/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/07/202010-Q
    12/31/201903/16/202010-K
    09/30/201911/08/201910-Q

    Insider Activity

    Updated 8/3/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Doll, AmyEVP, Chief Admin. OfficerDirectSell728202641.613,002124,9131,068,087Form
    2Brunner, Brian D DirectBuy319202634.021,00034,0171,718,845Form
    3Holt, Christopher DEVP, Market PresidentDirectSell312202634.297,820268,148432,603Form
    4Quinn, Thomas R JRPresident & CEODirectSell219202637.4310,373388,2613,263,971Form
    5Quinn, Thomas R JRPresident & CEODirectSell219202637.70281,0553,678,090Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Doll, AmyEVP, Chief Admin. OfficerDirectSell728202641.613,002124,9131,068,087Form
    2Brunner, Brian D DirectBuy319202634.021,00034,0171,718,845Form
    3Holt, Christopher DEVP, Market PresidentDirectSell312202634.297,820268,148432,603Form
    4Quinn, Thomas R JRPresident & CEODirectSell219202637.4310,373388,2613,263,971Form
    5Quinn, Thomas R JRPresident & CEODirectSell219202637.70281,0553,678,090Form
    6Messick, John Rodney DirectSell209202638.622,50096,550276,790Form
    7Brown, Sarah M DirectBuy204202636.2140614,701357,248Form
    8Joiner, Cindy Jeannette DirectBuy1028202534.2930210,356782,429Form
    9Brown, Sarah M DirectBuy904202535.0028810,080326,900Form

    Orrstown Financial Services — Investor Video Playlist

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