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Orrstown Financial Services, Inc. ORRF
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 40.45
-0.492 %
$ 784 M
Market Cap
29.74
P/E
1. INTRINSIC VALUE

Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits. It 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 comprising 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, the company provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as provides other fiduciary services under the Orrstown Financial Advisors name; and offers retail brokerage services through a third-party broker/dealer arrangement.[ Read More ]

The intrinsic value of one ORRF stock under the base case scenario is HIDDEN Compared to the current market price of 40.5 USD, Orrstown Financial Services, Inc. is HIDDEN

ORRF Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ORRF

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FINANCIALS
129 M REVENUE
9913.68%
Growth Rates
1Year 9913.68%
3Years 4.82%
5Years 11.97%
7Years 12.56%
10Years 9.95%
142 M OPERATING INCOME
261.73%
Growth Rates
1Year 261.73%
3Years 63.32%
5Years 38.38%
7Years 21.59%
10Years 16.52%
35.7 M NET INCOME
61.83%
Growth Rates
1Year 61.83%
3Years 10.46%
5Years 22.73%
7Years 27.18%
10Years 13.55%
38.8 M OPERATING CASH FLOW
7.32%
Growth Rates
1Year 7.32%
3Years 8.79%
5Years 11.55%
7Years 13.93%
10Years 1.66%
-153 M INVESTING CASH FLOW
43.45%
Growth Rates
1Year 43.45%
3Years 19.37%
5Years -1.91%
7Years -2.50%
10Years -5.50%
114 M FINANCING CASH FLOW
31.03%
Growth Rates
1Year 31.03%
3Years -29.96%
5Years -8.33%
7Years -0.17%
10Years 14.92%
95.4 M REVENUE
89.11%
Growth Rates
1Year 9913.68%
3Years 4.82%
5Years 11.97%
7Years 12.56%
10Years 9.95%
7.34 M OPERATING INCOME
-36.71%
Growth Rates
1Year 261.73%
3Years 63.32%
5Years 38.38%
7Years 21.59%
10Years 16.52%
-7.9 M NET INCOME
-102.13%
Growth Rates
1Year 61.83%
3Years 10.46%
5Years 22.73%
7Years 27.18%
10Years 13.55%
13.1 M OPERATING CASH FLOW
102.40%
Growth Rates
1Year 7.32%
3Years 8.79%
5Years 11.55%
7Years 13.93%
10Years 1.66%
96.4 M INVESTING CASH FLOW
250.78%
Growth Rates
1Year 43.45%
3Years 19.37%
5Years -1.91%
7Years -2.50%
10Years -5.50%
-122 M FINANCING CASH FLOW
-1668.36%
Growth Rates
1Year 31.03%
3Years -29.96%
5Years -8.33%
7Years -0.17%
10Years 14.92%
Balance Sheet Decomposition Orrstown Financial Services, Inc.
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Current Assets 560 M
Cash & Short-Term Investments 546 M
Receivables 13.6 M
Other Current Assets 0
Non-Current Assets 3.44 B
Long-Term Investments 514 M
PP&E 40.2 M
Other Non-Current Assets 2.89 B
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 2.8 B
Long-Term Debt 72.1 M
Other Non-Current Liabilities 2.73 B
EFFICIENCY
Earnings Waterfall Orrstown Financial Services, Inc.
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Revenue 129 M
Cost Of Revenue -41 M
Gross Profit 170 M
Operating Expenses 2.16 M
Operating Income 142 M
Other Expenses 106 M
Net Income 35.7 M
RATIOS
131.84% GROSS MARGIN
131.84%
Averages
1Year 131.84%
3Years -45.30%
5Years 10.47%
7Years 34.40%
10Years 51.60%
109.90% OPERATING MARGIN
109.90%
Averages
1Year 109.90%
3Years 1062.49%
5Years 647.32%
7Years 478.09%
10Years 353.25%
27.67% NET MARGIN
27.67%
Averages
1Year 27.67%
3Years 589.42%
5Years 361.84%
7Years 262.77%
10Years 192.10%
13.45% ROE
13.45%
Averages
1Year 13.45%
3Years 11.73%
5Years 10.70%
7Years 9.50%
10Years 10.02%
1.16% ROA
1.16%
Averages
1Year 1.16%
3Years 1.03%
5Years 0.95%
7Years 0.85%
10Years 0.95%
33.27% ROIC
33.27%
Averages
1Year 33.27%
3Years 17.62%
5Years 12.86%
7Years 11.72%
10Years 13.87%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Orrstown Financial Services, Inc.
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Net Income 35.7 M
Depreciation & Amortization 2.85 M
Capital Expenditures -2.29 M
Stock-Based Compensation 2.36 M
Change in Working Capital -3.4 M
Others 7.73 M
Free Cash Flow 36.6 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Orrstown Financial Services, Inc.
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ORRF has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.62% DIVIDEND YIELD
0.23 USD DIVIDEND PER SHARE
5. COMPETITION

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RBKB
Overvalued 116.11%

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LSBK
Undervalued 40.60%

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26.3 USD
CWBC
Undervalued 28.52%

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras.

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155 USD
OVLY
Undervalued 419.32%

First Community Corporation operates as the bank holding company for First Community Bank which offers various commercial and retail banking products and services to small-to-medium sized businesses, professional concerns, and individuals.

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21.2 USD
FCCO
Overvalued 12.55%

First Financial Northwest, Inc. operates as the bank holding company for First Financial Northwest Bank that provides commercial banking services in Washington.

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0.673 USD
FFNW
Overvalued 96.96%

Affinity Bancshares, Inc. operates as the holding company for Affinity Bank that provides various banking products and services. The company accepts various deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts.

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21.1 USD
AFBI
Overvalued 1.63%

Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Georgia.

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42.2 USD
OFED
Undervalued 212.50%
6. Ownership
Insider Ownership Orrstown Financial Services, Inc.
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Sold
0-3 MONTHS
425 K USD 2
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
8.36 K USD 1
0-3 MONTHS
57.3 K USD 3
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
2 weeks ago
Oct 29, 2024
Sell 151 K USD
Hornberger David Todd
EVP, Market President
- 4000
 37.82 USD
3 weeks ago
Oct 25, 2024
Bought 8.36 K USD
Joiner Cindy Jeannette
Director
+ 221
 37.83 USD
2 months ago
Sep 11, 2024
Sell 273 K USD
Holt Christopher D
EVP, Market President
- 8000
 34.16 USD
3 months ago
Aug 15, 2024
Bought 15.1 K USD
BROWN SARAH M
Director
+ 455
 33.21 USD
3 months ago
Aug 13, 2024
Bought 31.8 K USD
GIAMBALVO JOHN W
Director
+ 1000
 31.75 USD
3 months ago
Aug 09, 2024
Bought 10.5 K USD
Joiner Cindy Jeannette
Director
+ 326
 32.15 USD
1 year ago
Jul 31, 2023
Bought 2.5 K USD
Stoner Floyd E
Director
+ 104
 24.077 USD
1 year ago
May 15, 2023
Bought 3.25 K USD
Longenecker Thomas D
Director
+ 200
 16.25 USD
1 year ago
May 01, 2023
Bought 5.25 K USD
Longenecker Thomas D
Director
+ 275
 19.1 USD
1 year ago
Apr 28, 2023
Bought 5.73 K USD
Mulcahy Sean
Chief Accounting Officer
+ 300
 19.11 USD
1 year ago
Mar 20, 2023
Bought 39.7 K USD
Coradi Robert G
Chief Risk Officer
+ 2000
 19.85 USD
1 year ago
Mar 17, 2023
Bought 9.78 K USD
Dyckman Matthew
EVP, General Counsel
+ 500
 19.5583 USD
1 year ago
Mar 07, 2023
Sell 44.7 K USD
Holt Christopher D
Executive Vice President
- 2000
 22.33 USD
1 year ago
Mar 03, 2023
Bought 23.3 K USD
KALANI NEELESH
Chief Financial Officer
+ 1000
 23.26 USD
1 year ago
Feb 28, 2023
Bought 11.6 K USD
Dyckman Matthew
EVP, General Counsel
+ 500
 23.25 USD
1 year ago
Feb 13, 2023
Sell 89.9 K USD
FAGUE PHILIP E
Executive Vice President
- 3893
 23.09 USD
1 year ago
Feb 13, 2023
Sell 21.8 K USD
Hornberger David Todd
Executive Vice President
- 945
 23.09 USD
1 year ago
Feb 13, 2023
Sell 111 K USD
Gayman Jeffrey S
Executive Vice President
- 4806
 23.09 USD
1 year ago
Feb 13, 2023
Sell 333 K USD
Quinn Thomas R Jr
President & CEO
- 14432
 23.09 USD
1 year ago
Feb 07, 2023
Bought 2.46 K USD
Modi Meera R
Director
+ 100
 24.58 USD
1 year ago
Jan 31, 2023
Bought 2.19 K USD
Longenecker Thomas D
Director
+ 90
 24.3 USD
1 year ago
Feb 01, 2023
Bought 25.8 K USD
Joiner Cindy Jeannette
Director
+ 1045
 24.65 USD
1 year ago
Dec 08, 2022
Bought 30.5 K USD
Stoner Floyd E
Director
+ 1122
 27.18 USD
1 year ago
Dec 09, 2022
Bought 134 USD
Modi Meera R
Director
+ 5
 26.79 USD
1 year ago
Dec 09, 2022
Bought 2.68 K USD
Modi Meera R
Director
+ 100
 26.75 USD
1 year ago
Dec 09, 2022
Bought 24 K USD
Modi Meera R
Director
+ 895
 26.8 USD
1 year ago
Dec 06, 2022
Bought 7.8 K USD
Modi Meera R
Director
+ 288
 27.0733 USD
1 year ago
Nov 29, 2022
Bought 7.83 K USD
Modi Meera R
Director
+ 288
 27.1977 USD
2 years ago
Nov 17, 2022
Sell 6.7 K USD
ZULLINGER JOEL R
Director
- 250
 26.78 USD
2 years ago
Aug 24, 2022
Sell 62.7 K USD
PUGH ANDREA L
director:
- 2447
 25.6434 USD
2 years ago
Aug 17, 2022
Bought 5.4 K USD
Longenecker Thomas D
director:
+ 200
 27 USD
2 years ago
Aug 10, 2022
Sell 14.5 K USD
ZULLINGER JOEL R
director:
- 550
 26.37 USD
2 years ago
Jun 22, 2022
Sell 8.72 K USD
ZULLINGER JOEL R
director:
- 350
 24.92 USD
2 years ago
May 17, 2022
Bought 1.68 K USD
Longenecker Thomas D
director:
+ 70
 23.96 USD
2 years ago
Feb 22, 2022
Bought 60.8 K USD
Stoner Floyd E
Director
+ 2464
 24.658 USD
2 years ago
Feb 02, 2022
Bought 1.36 K USD
Longenecker Thomas D
Director
+ 55
 24.66 USD
2 years ago
Jan 26, 2022
Sell 20.6 K USD
ZULLINGER JOEL R
Director
- 825
 25 USD
2 years ago
Jan 25, 2022
Sell 74 K USD
BROBST BARBARA E
Executive Vice President
- 2946
 25.1055 USD
2 years ago
Jan 25, 2022
Sell 50.2 K USD
Fignar Robert J
Executive Vice President
- 2000
 25.1055 USD
2 years ago
Jan 25, 2022
Sell 109 K USD
Metz Adam L
Executive Vice President
- 4326
 25.1055 USD
3 years ago
Nov 12, 2021
Sell 14.7 K USD
ZULLINGER JOEL R
Director
- 600
 24.51 USD
3 years ago
Nov 12, 2021
Sell 14.7 K USD
ZULLINGER JOEL R
Director
- 600
 24.51 USD
3 years ago
Sep 22, 2021
Sell 186 K USD
Quinn Thomas R Jr
President & CEO
- 8273
 22.5 USD
3 years ago
Sep 22, 2021
Sell 186 K USD
Quinn Thomas R Jr
President & CEO
- 8273
 22.5 USD
3 years ago
Sep 23, 2021
Sell 207 K USD
Quinn Thomas R Jr
President & CEO
- 9227
 22.41 USD
3 years ago
Sep 23, 2021
Sell 207 K USD
Quinn Thomas R Jr
President & CEO
- 9227
 22.41 USD
3 years ago
Sep 09, 2021
Bought 23.4 K USD
Dyckman Matthew
EVP, General Counsel
+ 1000
 23.37 USD
3 years ago
Aug 25, 2021
Sell 4.72 K USD
ZULLINGER JOEL R
Director
- 200
 23.62 USD
3 years ago
Jul 27, 2021
Sell 2.57 K USD
ZULLINGER JOEL R
Director
- 110
 23.33 USD
3 years ago
Jul 23, 2021
Bought 4.11 K USD
Longenecker Thomas D
Director
+ 175
 23.49 USD
3 years ago
Jun 10, 2021
Sell 6.19 K USD
ZULLINGER JOEL R
Director
- 250
 24.75 USD
3 years ago
May 11, 2021
Bought 7.1 K USD
Quinn Thomas R Jr
President & CEO
+ 290
 24.5 USD
3 years ago
May 12, 2021
Sell 151 K USD
PUGH ANDREA L
Director
- 6245
 24.16 USD
3 years ago
Apr 28, 2021
Sell 14.2 K USD
ZULLINGER JOEL R
Director
- 600
 23.625 USD
3 years ago
Feb 09, 2021
Bought 7.29 K USD
Quinn Thomas R Jr
President & CEO
+ 374
 19.49 USD
3 years ago
Jan 29, 2021
Bought 8.78 K USD
Coradi Robert G
Chief Risk Officer
+ 505
 17.39 USD
3 years ago
Jan 25, 2021
Sell 15.3 K USD
Keller Mark K
Director
- 818
 18.67 USD
3 years ago
Jan 25, 2021
Sell 3.39 K USD
Keller Mark K
Director
- 182
 18.65 USD
3 years ago
Jan 25, 2021
Bought 25.8 K USD
Quinn Thomas R Jr
President & CEO
+ 1411
 18.31 USD
3 years ago
Jan 25, 2021
Bought 25.8 K USD
Quinn Thomas R Jr
President & CEO
+ 1411
 18.31 USD
3 years ago
Jan 18, 2021
Sell 64.8 K USD
BROBST BARBARA E
Executive Vice President
- 3596
 18.02 USD
3 years ago
Jan 18, 2021
Sell 43.8 K USD
Hornberger David Todd
Executive Vice President
- 2433
 18.02 USD
3 years ago
Jan 18, 2021
Sell 95.2 K USD
Metz Adam L
Executive Vice President
- 5284
 18.02 USD
3 years ago
Jan 18, 2021
Sell 81.4 K USD
Gayman Jeffrey S
Executive Vice President
- 4516
 18.02 USD
3 years ago
Jan 18, 2021
Sell 35.6 K USD
FAGUE PHILIP E
Executive Vice President
- 1978
 18.02 USD
3 years ago
Dec 16, 2020
Sell 17.9 K USD
ZULLINGER JOEL R
Director
- 1000
 17.9064 USD
3 years ago
Dec 08, 2020
Sell 49.7 K USD
Hornberger David Todd
Executive Vice President
- 3000
 16.58 USD
4 years ago
Oct 27, 2020
Bought 68 K USD
BRUGGER THOMAS R
EVP, Chief Financial Officer
+ 5000
 13.6 USD
4 years ago
Oct 27, 2020
Bought 13.6 K USD
Hornberger David Todd
Executive Vice President
+ 1000
 13.646 USD
4 years ago
Oct 23, 2020
Bought 7 K USD
Holt Christopher D
Executive Vice President
+ 500
 14 USD
4 years ago
Sep 02, 2020
Sell 14.3 K USD
ZULLINGER JOEL R
Director
- 1000
 14.26 USD
4 years ago
Aug 27, 2020
Bought 4.05 K USD
Quinn Thomas R Jr
President & CEO
+ 284
 14.25 USD
4 years ago
Aug 04, 2020
Bought 3.36 K USD
Coradi Robert G
Chief Risk Officer
+ 245
 13.7 USD
4 years ago
Aug 04, 2020
Bought 3.36 K USD
Coradi Robert G
Chief Risk Officer
+ 245
 13.7 USD
4 years ago
Jun 05, 2020
Bought 44.1 K USD
Quinn Thomas R Jr
President & CEO
+ 3000
 14.716 USD
4 years ago
May 06, 2020
Bought 26.9 K USD
Fignar Robert J
Executive Vice President
+ 1990
 13.5 USD
4 years ago
Mar 11, 2020
Bought 10 K USD
SNOKE GLENN W
Director
+ 600
 16.75 USD
4 years ago
Mar 11, 2020
Bought 16.5 K USD
Fignar Robert J
Executive Vice President
+ 1000
 16.5 USD
4 years ago
Mar 13, 2020
Bought 8.02 K USD
Holt Christopher D
Executive Vice President
+ 500
 16.05 USD
4 years ago
Mar 09, 2020
Bought 8.26 K USD
Rice Michael John
Director
+ 467
 17.69 USD
4 years ago
Mar 09, 2020
Bought 3.5 K USD
Quinn Thomas R Jr
President & CEO
+ 200
 17.5 USD
4 years ago
Mar 09, 2020
Bought 1.74 K USD
Quinn Thomas R Jr
President & CEO
+ 100
 17.42 USD
4 years ago
Mar 09, 2020
Bought 1.73 K USD
Quinn Thomas R Jr
President & CEO
+ 100
 17.33 USD
4 years ago
Mar 09, 2020
Bought 1.75 K USD
Quinn Thomas R Jr
President & CEO
+ 100
 17.49 USD
4 years ago
Mar 10, 2020
Bought 1.73 K USD
Longenecker Thomas D
Director
+ 100
 17.26 USD
4 years ago
Nov 27, 2019
Sell 10.9 K USD
ZULLINGER JOEL R
Director
- 500
 21.83 USD
5 years ago
Sep 11, 2019
Sell 22.3 K USD
Quinn Thomas R Jr
President & CEO
- 1000
 22.32 USD
5 years ago
Sep 11, 2019
Sell 42.5 K USD
Quinn Thomas R Jr
President & CEO
- 1900
 22.35 USD
5 years ago
Sep 11, 2019
Sell 6.24 K USD
Quinn Thomas R Jr
President & CEO
- 279
 22.36 USD
5 years ago
Sep 11, 2019
Sell 39.9 K USD
Quinn Thomas R Jr
President & CEO
- 1782
 22.38 USD
5 years ago
Sep 11, 2019
Sell 4.48 K USD
Quinn Thomas R Jr
President & CEO
- 200
 22.4 USD
5 years ago
Sep 11, 2019
Sell 2.26 K USD
Quinn Thomas R Jr
President & CEO
- 100
 22.61 USD
5 years ago
Feb 27, 2019
Sell 20.4 K USD
CEDDIA ANTHONY F
Director
- 1000
 20.4035 USD
5 years ago
Feb 08, 2019
Sell 10 K USD
CEDDIA ANTHONY F
Director
- 500
 20 USD
5 years ago
Jan 30, 2019
Bought 5.71 K USD
Hornberger David Todd
Executive Vice President
+ 300
 19.04 USD
5 years ago
Dec 07, 2018
Bought 1.97 K USD
ROSENBERRY GREGORY A
Director
+ 100
 19.71 USD
5 years ago
Dec 06, 2018
Bought 7.94 K USD
ROSENBERRY GREGORY A
Director
+ 400
 19.84 USD
5 years ago
Nov 23, 2018
Bought 7.76 K USD
Joiner Cindy Jeannette
Director
+ 380
 20.41 USD
6 years ago
Oct 29, 2018
Bought 10.2 K USD
Rice Michael John
Director
+ 500
 20.34 USD
6 years ago
Oct 26, 2018
Bought 20.6 K USD
Fignar Robert J
Executive Vice President
+ 1000
 20.61 USD
6 years ago
Oct 26, 2018
Bought 6.21 K USD
ZULLINGER JOEL R
Director
+ 300
 20.69 USD
6 years ago
Oct 25, 2018
Bought 12.2 K USD
Joiner Cindy Jeannette
Director
+ 600
 20.35 USD
6 years ago
Oct 25, 2018
Bought 26.8 K USD
Stoner Floyd E
Director
+ 1300
 20.61 USD
6 years ago
Oct 26, 2018
Bought 6.15 K USD
Keller Mark K
Director
+ 300
 20.49 USD
6 years ago
Oct 26, 2018
Bought 10 K USD
BOYLE DAVID P
Chief Financial Officer
+ 500
 20 USD
6 years ago
Oct 25, 2018
Bought 2.02 K USD
Longenecker Thomas D
Director
+ 100
 20.25 USD
6 years ago
Oct 25, 2018
Bought 12.3 K USD
Hornberger David Todd
Executive Vice President
+ 600
 20.48 USD
6 years ago
Oct 25, 2018
Bought 4.54 K USD
Hornberger David Todd
Executive Vice President
+ 224
 20.29 USD
6 years ago
Oct 25, 2018
Bought 3.57 K USD
Hornberger David Todd
Executive Vice President
+ 176
 20.28 USD
6 years ago
Oct 25, 2018
Bought 20.5 K USD
BOYLE DAVID P
Chief Financial Officer
+ 1000
 20.5 USD
6 years ago
Oct 25, 2018
Bought 649 USD
Quinn Thomas R Jr
President & CEO
+ 32
 20.28 USD
6 years ago
Oct 25, 2018
Bought 9.26 K USD
Quinn Thomas R Jr
President & CEO
+ 450
 20.57 USD
6 years ago
Jul 25, 2018
Sell 13.4 K USD
CEDDIA ANTHONY F
Director
- 500
 26.723 USD
6 years ago
Jul 25, 2018
Sell 13.4 K USD
CEDDIA ANTHONY F
Director
- 500
 26.723 USD
6 years ago
Jun 12, 2018
Sell 12.9 K USD
ZULLINGER JOEL R
Director
- 500
 25.749 USD
6 years ago
Jun 12, 2018
Sell 12.9 K USD
ZULLINGER JOEL R
Director
- 500
 25.8 USD
6 years ago
Jun 13, 2018
Sell 7.95 K USD
ZULLINGER JOEL R
Director
- 307
 25.89 USD
6 years ago
Jun 06, 2018
Sell 32.8 K USD
CEDDIA ANTHONY F
Director
- 1255
 26.11 USD
6 years ago
Feb 20, 2018
Bought 2.52 K USD
Longenecker Thomas D
Director
+ 100
 25.17 USD
7 years ago
Nov 10, 2017
Bought 2.5 K USD
Longenecker Thomas D
Director
+ 100
 25.02 USD
7 years ago
Jun 08, 2017
Bought 21 K USD
Hornberger David Todd
Executive Vice President
+ 1000
 21 USD
7 years ago
Jun 06, 2017
Sell 900 USD
ZULLINGER JOEL R
Director
- 41
 21.95 USD
7 years ago
Jun 07, 2017
Sell 13.3 K USD
ZULLINGER JOEL R
Director
- 617
 21.5 USD
7 years ago
Jun 02, 2017
Sell 2.2 K USD
ZULLINGER JOEL R
Director
- 100
 21.95 USD
7 years ago
Jun 05, 2017
Sell 11.1 K USD
ZULLINGER JOEL R
Director
- 500
 22.2 USD
7 years ago
May 10, 2017
Sell 25.4 K USD
CEDDIA ANTHONY F
Director
- 1250
 20.31 USD
7 years ago
Mar 01, 2017
Bought 22.5 K USD
Segal Eric Andrew
Director
+ 1000
 22.5 USD
7 years ago
May 02, 2017
Bought 13 K USD
Longenecker Thomas D
Director
+ 600
 21.68 USD
7 years ago
Mar 01, 2017
Bought 22.5 K USD
Segal Eric Andrew
Director
+ 1000
 22.5 USD
7 years ago
Jan 27, 2017
Bought 13.7 K USD
Joiner Cindy Jeannette
Director
+ 600
 22.9 USD
7 years ago
Dec 07, 2016
Sell 27.7 K USD
CEDDIA ANTHONY F
Director
- 1250
 22.145 USD
7 years ago
Nov 28, 2016
Sell 37.2 K USD
ZULLINGER JOEL R
Director
- 1667
 22.3 USD
7 years ago
Nov 28, 2016
Sell 7.02 K USD
ZULLINGER JOEL R
Director
- 314
 22.35 USD
7 years ago
Nov 28, 2016
Sell 382 USD
ZULLINGER JOEL R
Director
- 17
 22.45 USD
7 years ago
Nov 23, 2016
Sell 21.7 K USD
BOYLE DAVID P
Chief Financial Officer
- 1000
 21.73 USD
8 years ago
Nov 09, 2016
Sell 29 K USD
COY JEFFREY W
Director
- 1579
 18.3707 USD
8 years ago
Nov 07, 2016
Bought 11.4 K USD
Longenecker Thomas D
Director
+ 600
 19.05 USD
8 years ago
Nov 07, 2016
Bought 17.1 K USD
Longenecker Thomas D
Director
+ 900
 19.04 USD
8 years ago
Nov 02, 2016
Sell 50.8 K USD
ROSENBERRY GREGORY A
Director
- 2515
 20.19 USD
8 years ago
Nov 01, 2016
Sell 45.1 K USD
PUGH ANDREA L
Director
- 2228
 20.2256 USD
7. News
Are You Looking for a Top Momentum Pick? Why Orrstown Financial Services (ORRF) is a Great Choice Does Orrstown Financial Services (ORRF) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 1 week ago
Earnings Estimates Moving Higher for Orrstown (ORRF): Time to Buy? Orrstown (ORRF) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 2 weeks ago
Orrstown Financial Services (ORRF) Surpasses Q3 Earnings and Revenue Estimates Orrstown Financial Services (ORRF) came out with quarterly earnings of $1.11 per share, beating the Zacks Consensus Estimate of $0.91 per share. This compares to earnings of $0.87 per share a year ago. zacks.com - 3 weeks ago
Orrstown Financial Services, Inc. Reports Third Quarter 2024 Results Orrstown Financial Services, Inc. ("Orrstown" or the “Company”) closed the merger of equals transaction with Codorus Valley Bancorp, Inc. ("Codorus") on July 1, 2024, creating a premier Pennsylvania and Maryland community bank; as a result, the Company's results for the three months ended September 30, 2024 reflect the combined operating results of the combined companies; Codorus contributed, after fair value purchase accounting adjustments, approximately $2.2 billion in total assets, $1.6 billion in loans, and $1.9 billion in deposits at July 1, 2024; Net loss of $7.9 million, or $0.41 per diluted share, for the three months ended September 30, 2024 compared to net income of $7.7 million, or $0.73 per diluted share, for the three months ended June 30, 2024, reflecting the impact of $17.0 million in expenses related to the merger, $15.5 million of provision for credit losses on non-purchase credit deteriorated ("PCD") loans and $4.8 million for the previously announced executive retirement, net of taxes, collectively the "non-recurring charges"; Excluding the impact of the non-recurring charges, net income and diluted earnings per share, respectively, were $21.4 million(1) and $1.11(1) for the third quarter of 2024 compared to net income and diluted earnings per share of $8.7 million(1) and $0.83(1), respectively, as adjusted for the impact of $1.1 million in merger-related expenses, net of taxes, recorded for the second quarter of 2024; Net interest margin, on a tax equivalent basis, was 4.14% in the third quarter of 2024 compared to 3.54% in the second quarter of 2024; the net accretion impact of purchase accounting marks on loans, deposits and borrowings was $5.8 million of net interest income, which represents 52 basis points of net interest margin; Noninterest income increased by $5.1 million to $12.4 million in the three months ended September 30, 2024 compared to $7.2 million in the three months ended June 30, 2024; continued strength in wealth management and swap fee generation by commercial teams are driving fee income growth; Return on average assets for the three months ended September 30, 2024 was (0.57)% compared to 0.97% for the three months ended June 30, 2024; excluding the non-recurring charges, return on average assets was 1.55%(1) for the three months ended September 30, 2024 compared to 1.09%(1) for the three months ended June 30, 2024, excluding merger-related expenses; Return on average equity for the three months ended September 30, 2024 was (5.85)% compared to 11.41% for the three months ended June 30, 2024; excluding the non-recurring charges, return on average equity was 15.85%(1) for the three months ended September 30, 2024 compared to 12.88%(1) for the three months ended June 30, 2024, excluding merger related expenses; The provision for credit losses was $13.7 million for the three months ended September 30, 2024 compared to $812 thousand for the three months ended June 30, 2024; the provision for credit losses on non-PCD loans for the three months ended September 30, 2024 was $15.5 million; excluding the impact of the merger, the provision for credit losses for the three months ended September 30, 2024 was a reversal of $1.8 million; At September 30, 2024, nonaccrual loans totaled $26.9 million, an increase of $18.5 million from $8.4 million at June 30, 2024; non-accrual loans acquired from Codorus totaled $12.8 million; Tangible book value per common share(1) decreased to $21.12 per share at September 30, 2024 compared to $24.08 per share at June 30, 2024; this decrease was primarily due to the impact of loan marks associated with the merger and the net loss incurred for the third quarter of 2024; The Board of Directors declared a cash dividend of $0.23 per common share, payable November 12, 2024, to shareholders of record as of November 5, 2024. (1) Non-GAAP measure. globenewswire.com - 3 weeks ago
Orrstown Financial Services: Well-Positioned For Dividend Seeking Investors Orrstown Financial Services is favored by dividend investors for its earnings stability, strong asset quality, and consistent returns despite external factors like interest rates. ORRF faces challenges with rising deposit interest expenses and low loan portfolio growth, but maintains excellent asset quality with near-zero net charge-offs. The bank offers a solid dividend yield of 2.51% with a low payout ratio, ensuring sustainability and potential for future increases. seekingalpha.com - 4 weeks ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes? zacks.com - 1 month ago
Why Orrstown Financial Services (ORRF) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes? zacks.com - 1 month ago
Why Orrstown Financial Services (ORRF) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes? zacks.com - 2 months ago
Orrstown Financial Services (ORRF) is a Top Dividend Stock Right Now: Should You Buy? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes? zacks.com - 2 months ago
This is Why Orrstown Financial Services (ORRF) is a Great Dividend Stock Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes? zacks.com - 3 months ago
7 Upcoming Dividend Increases The article presents upcoming dividend increases, with an average increase of 7.1% and a median of 5.9%. Investment strategy involves buying companies with a consistent dividend growth history and beating benchmarks for long-term portfolio success. Data is sourced from the U.S. Dividend Champions spreadsheet and NASDAQ for companies with at least 5 years of dividend growth. seekingalpha.com - 3 months ago
Orrstown Financial Services (ORRF) Q2 Earnings and Revenues Surpass Estimates Orrstown Financial Services (ORRF) came out with quarterly earnings of $0.83 per share, beating the Zacks Consensus Estimate of $0.73 per share. This compares to earnings of $0.94 per share a year ago. zacks.com - 3 months ago
8. Profile Summary

Orrstown Financial Services, Inc. ORRF

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 784 M
Dividend Yield 0.62%
Description Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits. It 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 comprising 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, the company provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as provides other fiduciary services under the Orrstown Financial Advisors name; and offers retail brokerage services through a third-party broker/dealer arrangement. Further, it offers investment advisory, insurance, and brokerage services. The company operates through offices in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York counties, Pennsylvania; and Anne Arundel, Baltimore, Howard, and Washington counties, Maryland, as well as Baltimore City, Maryland. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania.
Contact 77 East King Street, Shippensburg, PA, 17257 https://www.orrstown.com
IPO Date May 13, 1999
Employees 410
Officers Mr. Neelesh Kalani C.P.A. Executive Vice President, Chief Financial Officer & Head of Investor Relations Mr. Adam L. Metz Executive Vice President & Chief Revenue Officer of Orrstown Bank Mr. Christopher D. Holt Executive Vice President & Market President for the Maryland Region Mr. Robert G. Coradi Executive Vice President, Chief Risk Officer & Secretary Mr. Sean P. Mulcahy C.P.A. Senior Vice President & Chief Accounting Officer Mr. Matthew Dyckman Executive Vice President & General Counsel Heather K. Knisely Chief Human Resources Officer Mr. Philip E. Fague CPA Executive Vice President & Chief Trust Officer of Orrstown Bank Mr. Thomas Rodney Quinn Jr. President, Chief Executive Officer & Director Ms. Amy L. Doll Executive Vice President, Chief Operating Officer & Chief Technology Officer