ORRF · Orrstown Financial Services Inc
$41.46
-0.21 (-0.50%)
At close · Oct 5
Return incl. dividend (before tax)
Market Cap
$821.60M
Shares
19.67M
Volume · Oct 5
30.7K
Avg daily vol (3M)
105.15K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$41.67
Open$41.44
Day$41.30–42.01
52W close$32.13–43.70
Avg vol 30d98K
Short int607K · 3.1% float · 8.1d
Short vol62%
Last earningsJul 22, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 21, 2026
Est · unconfirmed
· in 2 wks
filed Aug 6, 2026
call held Jul 22, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$256.54M
Trailing 12 months
Net income (TTM)
$86.32M
Trailing 12 months
Revenue growth YoY
+0.4%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
9.4
Trailing earnings · reciprocal yield 10.7%
FCF yield
10.4%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+0.5%
Year over year · more shares
Price change (1Y)
+24.4%
Trailing year
Short interest
3.1%
Latest settlement · 8.1 days to cover
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Low
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+8%
above
Price vs 50-day avg
−2%
below
RSI (14)
49
neutral
MACD trend
Negative
52-week position
82%
mid-range
Momentum
relative strength
1-month return
−2%
trailing
6-month return
+8%
trailing
YTD return
+18%
this year
Relative strength
−4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $42 › 200d $39 — 50d above 200d
Institutional flow
Flat
2 of 162 funds reported for Sep 30 · net 0 sh shares
Insider flow
Distributing
Net -$234.1K over 90 days · 100% sells
Short interest
Rising
3.09% of float · ▲ +15.8% MoM · 8.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
162 holders — near 3-yr high, broad support
Squeeze score
58
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
$25.2M
net cash
Quant / Vol
risk profile
Volatility
25%
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 Mar 31, 2026
Net interest margin
· 2026
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 Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+8%
Bullish
Price vs 50-day avg
−2%
Neutral
RSI (14)
49
Neutral
MACD trend
Negative
Bearish
52-week position
82%
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $42 › 200d $39 — 50d above 200d
Institutional flow
Flat
2 of 162 funds reported for Sep 30 · net 0 sh shares
Insider flow
Distributing
Net -$234.1K over 90 days · 100% sells
Short interest
Rising
3.09% of float · ▲ +15.8% MoM · 8.1 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 · 82%
Range high $44
vs 200-day avg +8%
vs 50-day avg -2%
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 |
|---|---|---|---|
| Adjusted net income (non-GAAP) non-GAAP | 21.16M | Three Months Ended June 30, 2026 filing | — |
| Adjusted Taxable-Equivalent Net Interest Margin (non-GAAP) non-GAAP | 4% | Three Months Ended June 30, 2026 filing | — |
| Average investment securities | 971.9M | the three months ended June 30, 2026 filing | — |
| Average loans | 4.1B | the three months ended June 30, 2026 filing | — |
| Cost of borrowings | 7.48% | the three months ended June 30, 2026 filing | — |
| Cost of borrowings (excluding subordinated note redemption impact) non-GAAP | 4.57% | the three months ended June 30, 2026 filing | — |
| Cost of deposits | 1.88% | the three months ended June 30, 2026 filing | — |
| Cost of interest-bearing liabilities | 2.62% | the three months ended June 30, 2026 filing | — |
| Cost of interest-bearing liabilities (excluding subordinated notes redemption impact) non-GAAP | 2.45% | the three months ended June 30, 2026 filing | — |
| Diluted earnings per share, adjusted (non-GAAP) non-GAAP | $1.04 | Three Months Ended June 30, 2025 filing | — |
| Net interest spread | 3.28% | the three months ended June 30, 2026 filing | — |
| Taxable-equivalent net interest margin | 3.87% | the three months ended June 30, 2026 filing | — |
| Taxable-equivalent yield on interest-earning assets | 5.9% | the three months ended June 30, 2026 filing | — |
| Yield on loans | 6.25% | the three months ended June 30, 2026 filing | — |
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
|
$821.60M | +17.6% | +36.0% | 9.4 | 3.1% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 0.6% |
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 | -0.2% | -1.9% | +8.5% | +2.7% | +17.7% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | 0.0% | -1.4% | -3.7% | +1.8% | +4.8% |
Capital returns
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.