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ORRF

Orrstown Financial Services Inc
$40.26 +0.34 (+0.85%) At close · Jul 10
Market Cap
$791.02M
Shares
19,647,812

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$40.26 Open$40.05 Day$39.55–40.49 52W$31.02–41.98 Avg vol 30d155K Short int573K · 2.9% float · 2.3d Short vol74% Last earningsApr 22, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 8
Up next
Next earnings call
Jul 22, 2026 Est · unconfirmed · in 1 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 8, 2026
AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Equibles Rating blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Neutral Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Low
      Market backdrop VIX 15 · calm Equity put/call 0.55
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +11%
      above
      Price vs 50-day avg +6%
      above
      RSI (14) 56
      neutral
      MACD trend Negative
      52-week position 84%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Very Strong
      1-month return +3%
      trailing
      6-month return +9%
      trailing
      YTD return +15%
      this year
      Relative strength 0%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $38 › 200d $36 — 50d above 200d
      Institutional flow Distributing
      4 of 156 funds reported for Jun 30 · net -297.5K sh shares
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      2.92% of float · ▼ -31.9% MoM · 2.3 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      156 holders — mid 3-yr range
      Squeeze score 48
      elevated · 0–100
      Fundamentals
      Excellent
      Revenue growth +36%
      Y/Y
      EPS growth +182%
      Y/Y
      Free cash flow $70.5M
      Valuation P/E 9.2
      below peers
      Balance sheet $40.0M
      net debt
      Quant / Vol
      risk profile
      Low
      Volatility 27%
      annualized · 1-yr
      Max drawdown −13%
      past year
      ATR 2.8%
      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 Dec 31, 2025
      Net interest margin · 2026 Initiated 3.9% – 4%
      Noninterest expense · 2026 Initiated $37M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 4 · 2
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +11% Bullish
      Price vs 50-day avg
      +6% Bullish
      RSI (14)
      56 Neutral
      MACD trend
      Negative Bearish
      52-week position
      84% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $38 › 200d $36 — 50d above 200d
      Institutional flow Distributing
      4 of 156 funds reported for Jun 30 · net -297.5K sh shares
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      2.92% of float · ▼ -31.9% MoM · 2.3 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      156 holders — mid 3-yr range
      Price context
      position in its 52-week range
      52-wk low $31 Now $40 · 84% 52-wk high $42
      vs 200-day avg +11% vs 50-day avg +6%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Allowance coverage ratio 1.17% Q1 2026 call
      Cost of deposits 1.96% Q1 2026 call
      Deposit growth $98.7M Q1 2026 call
      Loan production $211M Q1 2026 call
      Loan-to-deposit ratio 88% Q1 2026 call
      Noninterest-bearing deposit growth $14M Q1 2026 call
      Swap fees $1.3M Q1 2026 call
      Tangible common equity ratio 9.2% Q1 2026 call
      Wealth management income $5.6M Q1 2026 call
      Net accretion impact of purchase accounting marks 46 fourth quarter of 2025
      Return on average assets 1.55% three months ended December 31, 2025
      Return on average equity 14.73% three months ended December 31, 2025

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      ORRF
      Orrstown Financial Services Inc
      this stock
      $791.02M +14.5% +36.0% 9.2 2.9%
      HDB
      Hdfc Bank Ltd
      $136.10B -27.4% +15.2% 0.4%
      MFG
      Mizuho Financial Group Inc
      $127.67B +43.2% 0.1%
      IBN
      Icici Bank Ltd
      $104.01B -2.7% 0.7%
      PNC
      Pnc Financial Services Group, Inc.
      $101.16B +21.6% +7.2% 14.6 1.9%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      155
      % held
      58.1%
      Reported
      4 of 156
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      194
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      573.3K
      Days to cover
      2.3d
      Change
      -268.0K sh
      View
      Short Volume
      Short vol %
      74%
      As of
      Jul 10, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      2.7K
      Value
      $106.7K
      As of
      Jun 11, 2026
      View
      Off-Exchange
      Off-exchange %
      40.1%
      Week of
      May 4, 2026
      Off-exch Lit
      View
      Financials
      Financials
      Revenue (FY)
      $37.1M
      Net income (FY)
      $80.9M
      EPS diluted
      $4.18
      View
      Buybacks
      Authorized
      shares 500.0K
      Remaining
      shares 479.1K
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      May 29, 2026
      This year
      8
      View
      Proposed Sales
      Value
      $268.2K
      Shares
      7.8K
      Filed
      Mar 11, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Apr 22, 2026
      View
      Investor Relations
      Latest news
      Orrstown Financial Services, Inc.…
      Published
      Jul 9, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      ORRF -1.4% +3.3% +9.5% -1.4% +14.5%
      SPY +1.4% +4.1% +9.1% +1.1% +10.7%
      vs SPY -2.8% -0.8% +0.4% -2.5% +3.8%

      Capital returns

      Latest dividend
      $0.30 / share · ex May 5, 2026
      Raised 11.1%
      Paid (TTM)
      $1.14 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.83%
      Buyback program · as of Mar 31, 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) 3 filings 3 filers Visit website Investor relations