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Orrstown Financial Services, Inc. - Common Stock (ORRF)

NASDAQ Small Cap

Financial Services › State Commercial Banks

$36.17
Market Cap: $711M
Data as of Mar 31, 2026 (TTM)

Price History

Feb 9, 2026 — May 12, 2026

Investment Snapshot

  • Trading 32% below Graham Number ($53.42) — significant margin of safety
  • Piotroski F-Score 4/9 — moderate financial health
  • ROE of 13.5% — below-average profitability
  • Revenue growing at 36% annually

Orrstown Financial Services, Inc. - Common Stock (ORRF) is a Financial Services company operating in State Commercial Banks, listed on the NASDAQ , with a market capitalisation of $711 million . Key value metrics: P/E ratio 8.8, P/B ratio 1.18, Piotroski F-Score 4 out of 9 (moderate financial health) .

Value Score

Key Metrics

P/E Ratio
8.75
1.18
EPS
$4.13
Div. Yield
3.0%
PEG Ratio
P/S Ratio
EV/EBITDA
ROE
ROA
Gross Margin
Op. Margin
Net Margin
Debt/Equity
Current Ratio

Current vs 5-Year Average

Based on 5 years of SEC filings
Net Margin
↑ +2.1pp avg —
Gross Margin
↑ +2.1pp avg —
Operating Margin
↑ +2.1pp avg —
Return on Equity
↑ +2.1pp avg —
Debt / Equity
↑ +2.1pp avg —

Revenue & Net Income

EPS & Free Cash Flow Per Share

Financial Statements

Metric FY22 FY23 FY24
Revenue $X.XB $X.XB $X.XB
Gross Profit $X.XB $X.XB $X.XB
Operating Income $X.XB $X.XB $X.XB
Net Income $X.XB $X.XB $X.XB
EBITDA $X.XB $X.XB $X.XB
Total Assets $X.XB $X.XB $X.XB
Total Liabilities $X.XB $X.XB $X.XB
Data sourced from SEC EDGAR and Polygon.io. Methodology. View more Financial Services stocks →

Orrstown Financial Services, Inc. - Common Stock — Fundamental Analysis Summary

Orrstown Financial Services, Inc. - Common Stock (ORRF) is trading 32% below its Graham Number of $53.42 — a significant margin of safety by Benjamin Graham's standard. The stock carries a low trailing P/E ratio of 8.8x.

On financial health, ORRF shows a moderate Piotroski F-Score of 4/9, and modest return on equity of 13.5% (sector average: 4.9%), and minimal leverage with a debt-to-equity ratio of 0.07.

StockPik's composite Value Score for ORRF is 88/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.

ORRF shows revenue growing at 36% year-over-year, with earnings growing at 267%.

ORRF pays a solid dividend yield of 3.0%.

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How is the Value Score calculated?
Read our full methodology →
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How to calculate the margin of safety using the Graham Number, and what counts as a good margin of safety →
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