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ORRF

STRONG BUYAPPROVE

Orrstown Financial Services, Inc. · Financial Services · United States · $836M · Avg Vol: $7M/d

83
StockRank
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Q
57
V
55
M
66
P/E (TTM)
9.4x
ROE
14.9%
D/E
0.5x
Dividend %
2.7%
Dir. Trades · 180d
+$34K · −$268.1K →
Buybacks · 180d
$3.2M →
AI CONVICTION THESIS

Orrstown Financial clears the calibrated bar. All three legs are above the floor (Q57 V56 M62) and a buyback retiring 0.53% of shares provides the required corroboration. Nothing adverse is on file: no negative earnings revision and no insider selling. Momentum at M62 is the strongest part of the case.

COMPANY DESCRIPTION

Orrstown Financial Services, Inc. is a bank holding company offering comprehensive retail and commercial banking, wealth management, and trust services across Central Pennsylvania and Maryland. Its competitive moat is derived from strong local market presence and deep customer relationships, fostering loyalty in its community-focused operations. The company provides personalized financial solutions as a regional banking institution.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue—125.3M129.3M190.4M248.9M25.7%255.4M269.5M281.8M6.4%
EPS3.002.093.451.494.218.8%4.374.204.301.0%
Shares—10.7M10.6M19.4M19.5M+82.8%19.6M———
Debt—138.2M169.6M184.0M311.8M31.2%289.8M———
Equity—228.9M265.1M516.7M591.5M37.2%————
Op CF—36.2M43.7M35.0M74.7M27.3%89.3M———
Inv CF—-271.0M-153.2M61.0M-182.0M—————
Fin CF—86.9M113.9M87.8M8.1M—————
Loading 1Y...
PRICE (1Y)+8.7%
38.4839.5040.5241.5442.56Jun 11Jul 6Jul 24
SMA 50SMA 200
Close
$42.56
RSI (14)
63.5
52W High
$43.00
From 52W High
1.0%

SCORE BREAKDOWN

Quality
57
ROIC (ROA)
1.5%*49.8
ROE
14.9%74.5
GP/Assets
4.6%N/A
Op. Margin
47.2%68.4
FCF/Assets
1.6%N/A
Piotroski
444.0
Int. Cover
—50.0
D/E Ratio
0.53xN/A
Current Ratio
bankN/A
Value
55
P/E (TTM)
9.4x73.2
EV/EBITDA
bankN/A
P/FCF
9.6xN/A
P/B
1.3x40.9
P/S
3.2x60.3
Div Yield
2.7%32.9
Momentum
66
52W High %
99%87.4
RS 6M
7%72.8
SMA 50/200
1.07x67.2
EPS Rev 4W
+0.4%84.0
EPS Rev 12W
-0.1%50.1
EPS Improve
-1%19.6
Q Growth
21%55.8

FUNDAMENTALS

Market Cap
$836M
P/E (Forward)
9.6x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ORRF are excluded.

TickerCompanyMkt CapStockRankSignal
ORRFOrrstown Financial Services, Inc.(you)$836M83STRONG BUY
FMNBFarmers National Banc Corp.$899M83STRONG BUY
SHBIShore Bancshares, Inc.$790M85STRONG BUY
THFFFirst Financial Corporation$922M81STRONG BUY
PFISPeoples Financial Services Corp.$695M85STRONG BUY
CFFNCapitol Federal Financial, Inc.$1.1B83STRONG BUY
BFSTBusiness First Bancshares, Inc.$1.0B81STRONG BUY
FISIFinancial Institutions, Inc.$800M89STRONG BUY
CIVBCivista Bancshares, Inc.$594M83STRONG BUY
CCNECNB Financial Corporation$1.0B80BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Orrstown Financial Services, Inc. (ORRF) — Stock Score Summary

Orrstown Financial Services, Inc. (ORRF) has a MoatMap StockRank of 83/100 based on Quality (57/100), Value (55/100), and Momentum (66/100) factor scores. The current signal is STRONG BUY. Orrstown Financial clears the calibrated bar. All three legs are above the floor (Q57 V56 M62) and a buyback retiring 0.53% of shares provides the required corroboration. Nothing adverse is on file: no negative earnings revision and no insider selling. Momentum at M62 is the strongest part of the case.

Orrstown Financial Services, Inc. is a bank holding company offering comprehensive retail and commercial banking, wealth management, and trust services across Central Pennsylvania and Maryland. Its competitive moat is derived from strong local market presence and deep customer relationships, fostering loyalty in its community-focused operations. The company provides personalized financial solutions as a regional banking institution.

Key Financial Metrics

Price$42.56
Market Cap$836M
P/E (TTM)9.43
P/E (Forward)9.56
Price/Book1.34
Return on Equity14.9%
Debt/Equity0.53x
Operating Margin47.2%
Revenue Growth5.4%
Dividend Yield2.7%
Free Cash Flow$87M

Orrstown Financial Services, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Orrstown Financial Services, Inc.’s (ORRF) StockRank?
MoatMap’s StockRank for Orrstown Financial Services, Inc. (ORRF) is 83/100, with a Strong Buy signal. It is a composite of Quality (57), Value (55), and Momentum (66) factor ranks across MoatMap’s 20,000+ stock universe.
Does Orrstown Financial Services, Inc. have an economic moat?
Orrstown Financial Services, Inc. (ORRF) has a Quality factor score of 57/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Orrstown Financial Services, Inc. a buy, hold, or sell?
MoatMap’s current signal for Orrstown Financial Services, Inc. (ORRF) is Strong Buy, based on a StockRank of 83/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Orrstown Financial Services, Inc. in?
Orrstown Financial Services, Inc. (ORRF) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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