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

Orrstown Financial Services, Inc. (ORRF) has a MoatMap StockRank of 62/100 based on Quality (50/100), Value (43/100), and Momentum (54/100) factor scores. The current signal is HOLD. Orrstown Financial is a small regional bank with a generic business model and no alignment with our 18-month high-conviction themes.

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$38.43
Market Cap$730M
P/E (TTM)8.57
P/E (Forward)8.73
Price/Book1.22
Return on Equity14.9%
Gross Margin0.0%
Operating Margin47.2%
Revenue Growth5.4%
Dividend Yield3.0%

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 62/100, with a Hold signal. It is a composite of Quality (50), Value (43), and Momentum (54) factor ranks across MoatMap’s 19,000+ stock universe.
Does Orrstown Financial Services, Inc. have an economic moat?
Orrstown Financial Services, Inc. (ORRF) has a Quality factor score of 50/100. 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 Hold, based on a StockRank of 62/100. 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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