Orrstown Financial Services, Inc. (ORRF)
Financial Services · NCM
Fundamentals
Valuation and ratings
Orrstown Financial Services, Inc. trades at USD42.56, which is 114% below the USD90.95 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 41 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 9.5 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
ORRF dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.600 | 2 |
| 2025 | USD1.06 | 4 |
| 2024 | USD0.860 | 4 |
| 2023 | USD0.800 | 4 |
| 2022 | USD0.760 | 4 |
| 2021 | USD0.740 | 4 |
| 2020 | USD0.680 | 4 |
| 2019 | USD0.600 | 4 |
| 2018 | USD0.510 | 4 |
| 2017 | USD0.420 | 4 |
| 2016 | USD0.350 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
ORRF earnings and analyst estimates
Recommendation mix, 5 analyst ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Orrstown Financial Services, Inc.
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; agricultural loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides 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.
ORRF passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
8 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Two Sigma, TWO SIGMA INVESTMENTS, LP$10.86M · 0.0% of book
- Israel Englander, MILLENNIUM MANAGEMENT LLC$7.45M · 0.0% of book
- Ken Griffin, CITADEL ADVISORS LLC$3.75M · 0.0% of book
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$3.57M · 0.0% of book
- D. E. Shaw, D. E. Shaw & Co., Inc.$2.71M · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Common questions
Is Orrstown Financial Services, Inc. (ORRF) undervalued?
Against our discounted cash flow estimate of USD90.95, ORRF at USD42.56 is 114% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
Which funds own ORRF?
8 of the institutions we track reported a position in ORRF in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is ORRF's P/E ratio?
ORRF trades at 9.5 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Orrstown Financial Services, Inc. (ORRF) pay a dividend?
Yes. Orrstown Financial Services, Inc. yields 2.71% at the current share price. It has paid USD1.14 per share over the trailing twelve months. It has paid a dividend in each of the last 11 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.