ORRF · Orrstown Financial Services Inc
$42.02
-0.08 (-0.19%)
At close · Aug 21
Market Cap
$826.52M
Shares
19.67M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$42.02
Open$42.45
Day$41.63–42.61
52W close$32.13–43.70
Avg vol 30d114K
Short int540K · 2.7% float · 4.4d
Short vol64%
Last earningsJul 22, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 21, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+12%
above
Price vs 50-day avg
+1%
above
RSI (14)
47
neutral
MACD trend
Negative
52-week position
85%
near high
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+15%
trailing
YTD return
+19%
this year
Relative strength
+4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $41 › 200d $38 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +25 funds added
Insider flow
Distributing
Net -$234.1K over 90 days · 100% sells
Short interest
Falling
2.74% of float · ▼ -8.7% MoM · 4.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
162 holders — near 3-yr high, broad support
Squeeze score
52
elevated · 0–100
Fundamentals
Revenue growth
+36%
Y/Y
EPS growth
+182%
Y/Y
Free cash flow
$70.5M
Valuation
P/E 9.4
below peers
Balance sheet
$57.3M
net debt
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
Net interest margin
· full year 2026
Non-GAAP
3.9% – 4%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+12%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
47
Neutral
MACD trend
Negative
Bearish
52-week position
85%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $41 › 200d $38 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +25 funds added
Insider flow
Distributing
Net -$234.1K over 90 days · 100% sells
Short interest
Falling
2.74% of float · ▼ -8.7% MoM · 4.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
162 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $32
Now $42 · 85%
Range high $44
vs 200-day avg +12%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL to total loans | 1.13% | Q2 2026 | — |
| Adjusted net income non-GAAP | 42.97M | Six Months Ended June 30, 2026 | — |
| Adjusted noninterest expense non-GAAP | 74.39M | Six Months Ended June 30, 2026 | — |
| Adjusted Taxable-Equivalent Net Interest Margin non-GAAP | 4% | Three Months Ended June 30, 2026 | — |
| Adjusted total operating income non-GAAP | 128.87M | Six Months Ended June 30, 2026 | — |
| Allowance for credit losses to nonaccrual loans | 196% | At June 30, 2026 | — |
| Book value per common share | $31.6 | At June 30, 2026 | — |
| Classified loans | 49.19M | Q2 2026 | — |
| Efficiency ratio | 60.1% | Three Months Ended June 30, 2026 | — |
| Efficiency ratio, adjusted non-GAAP | 58.6% | Three Months Ended June 30, 2026 | — |
| Loan-to-deposit ratio | 89% | Q2 2026 | — |
| Net interest margin | 3.87% | Three Months Ended June 30, 2026 | — |
| Nonaccrual loans to total loans | 0.58% | Q2 2026 | — |
| Return on average assets | 1.53% | Three Months Ended June 30, 2026 | — |
|
|
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| Return on average assets, adjusted non-GAAP | 1.51% | Q2 2025 | — |
| Return on average equity | 13.96% | Three Months Ended June 30, 2026 | — |
|
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| Return on average tangible common equity per common share non-GAAP | 16.86% | Q2 2026 | — |
| Return on average tangible equity non-GAAP | 16.86% | Three Months Ended June 30, 2026 | — |
| Tangible book value non-GAAP | $26.71 | Q2 2026 | — |
| Tangible book value per common share non-GAAP | $26.71 | Q2 2026 | — |
| Tangible common equity non-GAAP | 525.38M | Q2 2026 | — |
| Tangible common equity (ratio of total tangible assets) | 9.5% | Q2 2026 | — |
| Tier 1 capital ratio | 12.2% | Q2 2026 | — |
| Tier 1 common equity ratio | 12% | Q2 2026 | — |
| Tier 1 leverage ratio | 10.1% | Q2 2026 | — |
| Total risk-based capital ratio | 13.2% | Q2 2026 | — |
| Net accretion impact of purchase accounting marks | $4.7M | first quarter of 2026 | — |
| Total risk-based capital | 13.5% | March 31, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ORRF
this stock
Orrstown Financial Services Inc
|
$826.52M | +18.6% | +36.0% | 9.4 | 2.7% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ORRF | -3.1% | -1.3% | +15.1% | -1.7% | +18.6% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -1.7% | -4.9% | +3.6% | -4.2% | +6.3% |
Capital returns
Latest dividend
$0.30
/ share · ex Aug 4, 2026
Paid (TTM)
$1.17
/ share · 4 payouts
Dividend yield (TTM, derived)
2.78%
Buyback program
· as of Jun 30, 2026
Authorized
shares 500,000
Spent (derived)
shares 20,930
Remaining
shares 479,070
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
826154
CUSIP
687380105
13F (30d)
146 filings
146 filers
Visit website
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