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AI 90-DAY FORECAST
BULLISH SIGNAL DETECTED · Alpha
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Orrstown Financial Services Inc (ORRF) AI Forecast

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Orrstown Financial Services Inc (ORRF) Stock Forecast Sept. 17, 2026

Orrstown Financial Services Inc (ORRF) AI Stock Price Forecast & Investment Analysis

Orrstown Financial Services Inc Stock Price Chart and Technical Analysis

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Orrstown Financial Services Inc (ORRF) - Comprehensive Stock Analysis & Investment Research

Deep dive into Orrstown Financial Services Inc's business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Analysis updated on September 17, 2026, 8:25 p.m. (UTC)

Orrstown Financial Services Inc Investment Summary

When evaluating whether Orrstown Financial Services Inc (ORRF) represents a compelling investment opportunity, investors must consider multiple factors including the company's financial health, market position, growth prospects, and what our AI-powered predictive models suggest about its near-term price trajectory.

Company Profile

Orrstown Financial Services Inc (ORRF) operates within the Finance sector, specifically in the State Commercial Banks industry. . With a market capitalization of $826 million, the company is a small-cap stock that may offer higher growth potential but also carries higher volatility.

Financial Performance Analysis

Our comprehensive financial analysis covers Orrstown Financial Services Inc's revenue, profitability metrics, balance sheet strength, and cash flow generation...

AI Price Predictions

Get AI-powered 7-day, 30-day and 90-day price forecasts for Orrstown Financial Services Inc along with confidence scores and detailed analysis...

Investment Considerations

Expert analysis of whether Orrstown Financial Services Inc is suitable for your investment objectives, risk tolerance, and time horizon...

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Corporate Identity

Orrstown Financial Services Inc (Stock Symbol: ORRF) is a prominent company operating within the Finance sector, with a specific focus on the State Commercial Banks industry. The company's shares are publicly traded on the Nasdaq exchange.

Leadership & Workforce

Detailed information about Orrstown Financial Services Inc's leadership team, workforce size, and organizational structure...

Market Classification

Market capitalization analysis and stock classification (mega-cap, large-cap, mid-cap, small-cap) for Orrstown Financial Services Inc...

Sector & Industry Analysis

In-depth sector dynamics and industry context for Orrstown Financial Services Inc...

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Revenue & Growth Analysis

Orrstown Financial Services Inc generates annual revenues of $255 million , representing an emerging company in its growth phase.

Profitability Metrics

Net profit margin, gross margin, and operating margin analysis for Orrstown Financial Services Inc...

Market Valuation

P/E ratio, price-to-book, and valuation multiples for Orrstown Financial Services Inc...

Return Metrics

Return on equity (ROE), return on assets (ROA), and capital efficiency for Orrstown Financial Services Inc...

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Strategic Market Position

Orrstown Financial Services Inc strategically competes in the highly dynamic State Commercial Banks marketplace. As a small-cap company, it represents an emerging market participant with potentially significant growth opportunities. Small-caps often offer greater growth potential as they capture market share and scale their operations, though this comes with higher risk and volatility. Success at this stage can lead to substantial returns for early investors who identify winning business models.

Industry Competitive Landscape

Orrstown Financial Services Inc competes within the Finance sector, navigating the competitive dynamics and market forces specific to this industry. The company's competitive position depends on its ability to differentiate through product quality, cost efficiency, customer relationships, or other strategic advantages relevant to its specific market segment.

Operational Efficiency

The company shows positive operational efficiency through free cash flow generation of $86 million annually , with year-over-year cash flow growth of 71.2%. Positive free cash flow indicates the business generates more cash than required for operations and capital investments, providing resources for growth initiatives or shareholder returns.

Asset Utilization Efficiency

Asset turnover ratio of 0.05x indicates lower asset turnover that may reflect the industry's capital-intensive nature or potentially underutilized assets. Companies with low turnover typically depend on strong margins to generate adequate returns on capital.

Financial Strength & Leverage

Orrstown Financial Services Inc (ORRF) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Orrstown Financial Services Inc stock analysis.

Deep dive into Orrstown Financial Services Inc's financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Orrstown Financial Services Inc stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Orrstown Financial Services Inc: With a P/E ratio of 9.57, the market sees the stock as potentially undervalued.

P/E Ratio 9.57x
P/B Ratio 1.33x
Market Cap $826M
Dividend Yield 2.70%
EPS $5.38
Book Value/Share $31.60
Revenue/Share $12.98
FCF/Share $4.36
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Orrstown Financial Services Inc converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Orrstown Financial Services Inc: An ROE of 13.9% shows good shareholder value creation.

ROE 13.9%
ROA 1.5%
Net Margin 33.8%
EBT Margin 42.0%
Tax Rate 19.6%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Orrstown Financial Services Inc's ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Orrstown Financial Services Inc:

D/E Ratio 8.03x
Financial Leverage 9.03x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Orrstown Financial Services Inc's ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Orrstown Financial Services Inc: Free cash flow of $86M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $88M
Free Cash Flow $86M
Capital Spending -$2M
OCF Growth YoY 71.2%
FCF Growth YoY 83.5%
FCF/Sales 33.6%
CapEx/Sales 0.8%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Orrstown Financial Services Inc uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Orrstown Financial Services Inc: An asset turnover of 0.05x suggests room for improvement in asset utilization.

Asset Turnover 0.05x
Fixed Assets Turnover 5.1x
Understanding Financial Statement Data

What these metrics mean: Key figures from Orrstown Financial Services Inc's income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Orrstown Financial Services Inc: With annual revenue of $255M, Orrstown Financial Services Inc demonstrates solid business size.

Income Statement
Total Revenue $255M
Net Income $86M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 145%
Total Liabilities 4991%
Dividend & Shareholder Information
Dividends Per Share $1.13
Payout Ratio 0.3%
Shares Outstanding 20M
Growth Metrics (YoY)
Net Income Growth 33.8%
EPS Growth 12.8%

Latest Orrstown Financial Services Inc Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Orrstown Financial Services Inc (ORRF) stock price and investment outlook.

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Where ORRF sits on the market map

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Orrstown Financial Services Inc Competitors & Peer Analysis - Finance Sector

Comparative analysis of Orrstown Financial Services Inc against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast (Alpha) Market Cap (USD M) P/E Ratio P/B Ratio
ABCB ██% $5.57B 14.8x 1.4x
ACNB ██% $651M 11.9x 1.5x
ALLY ██% $12.35B 8.5x 0.8x
AMAL ██% $1.39B 12.3x 1.7x
ASB ██% $5.62B 11.1x 1.0x
AUB ██% $5.59B 11.5x 1.1x
AUBN ██% $91M 10.9x 1.0x
AVBH ██% $344M x 1.2x
BAFN ██% $249M x 2.2x
BANR ██% $2.42B 11.6x 3.6x
BBD ██% N/A x x
BCML ██% $328M 25.1x 1.0x
BFST ██% $1.01B 10.8x 1.0x
BHB ██% $678M 13.7x 1.2x
BKSC ██% $105M 10.5x 2.5x
BMRC ██% $450M x 1.1x
BNS ██% $114.81B x x
BOH ██% $2.95B 12.5x 1.6x
BOTJ ██% $124M 10.8x 1.5x
BPOP ██% $10.27B 10.6x 1.6x
BPRN ██% $293M 11.3x 1.1x
BRBS ██% $353M 37.6x 1.3x
BSPA ██% $88M x 0.9x
BSRR ██% $526M 11.7x 1.4x
BSVN ██% $518M 12.3x 1.9x
BUSE ██% $2.50B 10.8x 1.1x
BWB ██% $582M 10.3x 1.1x
BWFG ██% $532M 12.4x 1.6x
BY ██% $1.70B 11.4x 1.3x
CATY ██% $4.14B 11.9x 1.4x
CBAN ██% $447M 13.7x 1.2x
CBC ██% $7.68B 17.9x 2.0x
CBFV ██% $189M 26.2x 1.2x
CBK ██% $451M 7.9x 1.5x
CBSH ██% $8.22B 14.1x 3.3x
CCB ██% $694M x 1.5x
CCBG ██% $857M 14.2x 1.5x
CCFN ██% $324M 11.4x 1.6x
CCNE ██% $1.01B 10.5x 1.2x
CFFI ██% $308M 10.6x 1.1x
CFG ██% $28.15B 13.2x 1.1x
CHMG ██% $403M 12.0x 1.5x
CIVB ██% $565M 10.4x 1.4x
CIZN ██% N/A x x
CNOB ██% $1.71B 10.7x 1.1x
COFS ██% $499M 9.1x 1.0x
COLB ██% $8.41B 11.8x 1.1x
COSO ██% $326M 10.0x 1.2x
CPF ██% $967M 11.7x 1.6x
CSBB ██% $200M 13.1x 1.5x
CTBI ██% $1.38B 12.8x 1.6x
CUBI ██% $2.64B 9.1x 1.2x
CVBF ██% $4.00B 19.3x 1.3x
CZFS ██% $391M 9.5x 1.5x
CZNC ██% $466M 18.6x 1.4x
DAAQ ██% $241M 42.6x x
DB ██% $72.99B x x
EBMT ██% $175M 10.9x 0.9x
EFSC ██% $2.25B 11.8x 1.1x
EFSI ██% $248M 13.3x 1.3x
EGBN ██% $861M x 0.8x
EMYB ██% $164M 10.8x 1.3x
EQBK ██% $1.01B 28.3x 1.2x
EWBC ██% $17.29B 12.0x 1.9x
FBIZ ██% $600M 10.8x 1.5x
FBK ██% $2.71B 13.8x 1.4x
FBNC ██% $2.59B 19.4x 1.5x
FBP ██% $4.22B 11.3x 2.1x
FCBC ██% $887M 15.0x 1.7x
FCCO ██% $316M 13.7x 1.4x
FCNCA ██% $23.71B 10.1x 1.1x
FFIN ██% $4.78B 17.8x 4.5x
FHB ██% $3.12B 10.9x 1.1x
FIBK ██% $3.52B 10.9x 1.1x
FITB ██% $47.53B 20.3x 1.4x
FKYS ██% $119M 15.1x 1.0x
FMBH ██% $1.33B 13.3x 1.2x
FMBM ██% $145M 10.0x 1.3x
FMNB ██% $929M 14.0x 1.2x
FOTB ██% N/A x x
FRAF ██% $286M 11.6x 1.6x
FRBT ██% N/A x x
FRST ██% $391M 5.2x 0.9x
FSBC ██% $1.11B 15.4x 2.3x
FUSB ██% $91M 11.7x 0.9x
FVCB ██% $326M 12.6x 1.2x
FXNC ██% $279M 12.9x 1.4x
GABC ██% $1.85B 13.0x 1.5x
GBCI ██% $5.85B 18.8x 1.4x
GBFH ██% $285M 15.4x 1.7x
GLBZ ██% $13M 151.4x 0.7x
GSBC ██% $863M 12.8x 1.3x
HBIA ██% $814M 10.8x 1.5x
HBNC ██% $1.00B x 1.4x
HBT ██% $1.31B 16.9x 1.7x
HNVR ██% $187M 19.7x 0.9x
HOMB ██% $5.95B 12.4x 1.3x
HTH ██% $2.22B 13.7x 1.0x
HWC ██% $5.98B 14.0x 1.4x
IBCP ██% $810M 11.3x 1.5x
IBOC ██% $4.41B 10.7x 1.3x
INBK ██% $241M x 0.7x
INDB ██% $3.91B 14.4x 1.1x
ISBA ██% $291M 14.6x 1.2x
ISTR ██% $418M 12.4x 1.0x
JMSB ██% $326M 13.3x 1.2x
LKFN ██% $1.49B 13.4x 1.9x
LOB ██% $1.77B x 1.4x
MBIN ██% $2.42B 9.0x 1.0x
MBWM ██% $1.05B 11.0x 1.4x
MCB ██% $1.11B 12.8x 1.2x
MCBS ██% $1.01B 12.7x 1.8x
MCHB ██% N/A x x
MNSB ██% $178M 10.3x 0.8x
MPB ██% $934M 13.7x 1.0x
MSBI ██% $692M x 1.2x
MTB ██% $32.64B 10.8x 1.2x
MVBF ██% $401M 36.8x 1.2x
NPB ██% $576M 6.4x 0.9x
NTRS ██% $32.32B 14.4x 2.4x
NWFL ██% $380M 13.2x 1.8x
NWPP ██% $113M 9.3x 1.3x
OBK ██% $1.65B 16.6x 2.6x
OBNK ██% N/A x x
OBT ██% $513M 10.8x 1.7x
OFG ██% $2.22B 10.1x 1.6x
OPBK ██% $230M 7.9x 1.0x
ORRF ██% $826M 9.6x 1.3x
OSBC ██% $1.27B 13.8x 1.4x
OSBK ██% $55M x 2.4x
OVBC ██% $211M 14.9x 1.2x
OVLY ██% $289M 12.3x 1.3x
PB ██% $8.45B 15.0x 1.0x
PBHC ██% $106M 740.7x 0.9x
PCB ██% $390M 9.3x 1.0x
PEBK ██% $241M 12.1x 1.5x
PEBO ██% $1.42B 12.1x 1.7x
PFBX ██% $111M 29.9x 1.1x
PKBK ██% $405M 8.9x 1.2x
QCRH ██% $1.65B 11.7x 1.4x
QNBC ██% $223M 16.7x 1.2x
RBB ██% $451M 10.2x 0.8x
RBCAA ██% $1.85B 14.4x 1.6x
RMBI ██% $265M 22.0x 1.8x
RNST ██% $3.70B 11.8x 1.0x
RRBI ██% $670M 14.6x 1.7x
SBCF ██% $3.27B 20.2x 1.2x
SBFG ██% $183M 10.9x 1.5x
SBSI ██% $945M 12.4x 1.1x
SFBS ██% $4.51B 14.1x 2.3x
SFDL ██% $126M 9.2x 0.6x
SLBK ██% $163M 9.0x 1.4x
SPFI ██% $822M 12.6x 1.3x
SRCE ██% $2.07B 12.1x 1.6x
SSB ██% $10.07B 10.6x 1.1x
STBA ██% $1.76B 12.5x 1.3x
STLE ██% N/A x x
STT ██% $50.24B 14.5x 1.8x
SYBT ██% $2.46B 16.4x 2.0x
TCBI ██% $4.14B 11.4x 1.1x
TCBK ██% $1.71B 12.6x 1.3x
TFIN ██% $1.52B 39.3x 1.6x
THFF ██% $914M 10.8x 1.4x
TMP ██% $1.40B 8.0x 1.5x
TRST ██% $977M 15.0x 1.5x
TYFG ██% $192M 10.3x 1.2x
UBCP ██% $88M 11.0x 1.2x
UBSI ██% $6.45B 12.5x 1.2x
UCB ██% $4.20B 11.1x 1.1x
UNB ██% $117M 9.6x 1.3x
UNTY ██% $595M 10.2x 1.6x
USCB ██% $424M 14.7x 2.0x
UVSP ██% $1.18B 12.0x 1.2x
UWHR ██% $103M 8.2x 1.5x
WAL ██% $8.49B 8.6x 1.1x
WASH ██% $748M 13.5x 1.4x
WTBA ██% $502M 13.1x 1.8x
WTFC ██% $10.00B 11.1x 1.3x
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Frequently Asked Questions - Orrstown Financial Services Inc Stock Forecast

How accurate are Orrstown Financial Services Inc stock predictions?

Our AI model shows a 6% Spearman correlation coefficient for ORRF predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence Orrstown Financial Services Inc stock price forecasts?

Our analysis considers Orrstown Financial Services Inc's financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Orrstown Financial Services Inc a good investment in 2026?

Based on our AI analysis, Orrstown Financial Services Inc shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Orrstown Financial Services Inc forecasts updated?

Orrstown Financial Services Inc stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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