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- Ticker
- ORRF
- Price
- 37.74
- Stock movement up
- +0.10 (0.27%)
- Company name
- Orrstown Financial Services Inc
- Exchange
- (NASDAQ ,
- Currency
- USD )
- Sector
- Financial Services >Banks - Regional
- Market cap
- 736.20M
- Ent value
- 5.64B
- Price/Sales
- 2.08
- Price/Book
- 1.24
- Div yield
- 3.18%
- Div growth
- 3.30%
- Growth years
- 7
- FCF payout
- 28.15%
- Trailing P/E
- 9.11
- Forward P/E
- 8.67
- PEG
- -
- EPS growth
- 15.01%
- 1 year return (CAGR)
- 11.33%
- 3 year return (CAGR)
- 16.29%
- 5 year return (CAGR)
- 13.66%
- 10 year return (CAGR)
- 8.01%
Last updated: 2026-02-20
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iO Charts is a Seeking Alpha partner
DIVIDENDS
Dividend yield - 5y
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Dividend yield data
| Dividend per share | 1.20 |
| Dividend yield | 3.18% |
| Payout frequency | Quarterly |
| Maximum yield | 5.11% |
| Average yield | 3.18% |
| Minimum yield | 2.24% |
| Discount to avg yield | -0.11% |
| Upside potential | -0.11% |
| Yield as % of max yield | 62.24% |
Yield distribution (inverse percentile) - 5y
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Yield distribution data
| Dividend yield | 3.18% |
| Current yield distribution | 43.41% |
| Yield at 100% (Min) | 2.24% |
| Yield at 90% | 2.70% |
| Yield at 80% | 2.90% |
| Yield at 50% (Median) | 3.14% |
| Yield at 20% | 3.41% |
| Yield at 10% | 3.77% |
| Yield at 0% (Max) | 5.11% |
Dividend per share
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Dividend per share data
| Years of growth | 7 years |
| CCC status | Dividend Challenger |
| Dividend per share | 1.20 |
| Payout frequency | Quarterly |
| Ex-div date | 10 Feb 2026 |
| EPS (TTM) | 4.83 |
| EPS (1y forward) | 4.35 |
| EPS growth (5y) | 15.01% |
| EPS growth (5y forward) | - |
Dividend growth
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Dividend growth data
| ORRF | S&P500 | |
| DGR MR | 11.11% | -13.74% |
| DGR TTM | 27.91% | 6.60% |
| DGR 3 years | 11.96% | 7.31% |
| DGR 5 years | 3.30% | 4.69% |
| DGR 10 years | 13.78% | 6.30% |
| DGR 15 years | -0.71% | 8.16% |
| Time since last change announced | 28 days |
| EPS growth (5y) | 15.01% |
| EPS growth (5y forward) | - |
Payout ratio
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Payout ratio data
| EPS coverage | FCF coverage | |
| TTM | 19.02% | 28.15% |
| Average | - | - |
| Forward | 27.57% | - |
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iO Charts is a Seeking Alpha partner
VALUATION
Valuation Ratios
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Valuation Ratios data
| Trailing P/E | 9.11 |
| Price to OCF | 12.64 |
| Price to FCF | 13.48 |
| Price to EBITDA | 6.44 |
| EV to EBITDA | 49.37 |
Valuation (Sales/Book Value)
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Valuation (Sales/Book Value) data
| Price to Sales | 2.08 |
| Price to Book | 1.24 |
| EV to Sales | 15.95 |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
FINANCIALS
Per share
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Per share data
| Current share count | 19.51M |
| EPS (TTM) | 4.83 |
| FCF per share (TTM) | 3.26 |
Income statement
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Income statement data
| Revenue (TTM) | 353.86M |
| Gross profit (TTM) | 249.97M |
| Operating income (TTM) | 102.71M |
| Net income (TTM) | 80.86M |
| EPS (TTM) | 4.83 |
| EPS (1y forward) | 4.35 |
Margins
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Margins data
| Gross margin (TTM) | 70.64% |
| Operating margin (TTM) | 29.03% |
| Profit margin (TTM) | 22.85% |
Balance Sheet
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Balance Sheet data
| Cash | 42.08M |
| Net receivables | 21.47M |
| Total current assets | 1.02B |
| Goodwill | 69.75M |
| Intangible assets | 37.99M |
| Property, plant and equipment | 0.00 |
| Total assets | 5.54B |
| Accounts payable | 0.00 |
| Short/Current long term debt | 336.37M |
| Total current liabilities | 895.45M |
| Total liabilities | 4.95B |
| Shareholder's equity | 591.53M |
| Net tangible assets | 0.00 |
Cash flow
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Cash flow data
| Operating cash flow (TTM) | 58.24M |
| Capital expenditures (TTM) | 3.61M |
| Free cash flow (TTM) | 54.63M |
| Dividends paid (TTM) | 15.38M |
Financial returns
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Financial returns data
| Return on Equity | 13.67% |
| Return on Assets | 1.46% |
| Return on Invested Capital | 13.12% |
| Cash Return on Invested Capital | 8.87% |
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iO Charts is a Seeking Alpha partner
STOCK INFORMATION
Stock chart
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Stock price data
| Open | 37.80 |
| Daily high | 38.41 |
| Daily low | 37.40 |
| Daily Volume | 113K |
| All-time high | 45.35 |
| 1y analyst estimate | 41.50 |
| Beta | 0.81 |
| EPS (TTM) | 4.83 |
| Dividend per share | 1.20 |
| Ex-div date | 10 Feb 2026 |
| Next earnings date | 21 Apr 2026 |
Downside potential
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Downside potential data
| ORRF | S&P500 | |
| Current price drop from All-time high | -16.78% | -1.82% |
| Highest price drop | -83.46% | -56.47% |
| Date of highest drop | 17 May 2012 | 9 Mar 2009 |
| Avg drop from high | -45.42% | -10.84% |
| Avg time to new high | 90 days | 12 days |
| Max time to new high | 5058 days | 1805 days |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
COMPANY DETAILS
Marketcap
736.20M
Marketcap category
Small-cap
Description
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. 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; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides renders 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.
Employees
607
Website
SEC filings
CEO
Thomas R. Quinn
Country
USA
City
Shippensburg
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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iO Charts is a Seeking Alpha partner
UNDERSTAND THE BUSINESS
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COMPANY NEWS
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