Stocktoria
ORRSTOWN FINANCIAL SERVICES INC ORRF
ORRSTOWN FINANCIAL SERVICES INC (ORRF) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.55% (safety: safe). FY2025 revenue was $37.1M at a 217.7% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ORRF | ORRSTOWN FINANCIAL SERVICES INC | 4/9 | — | 10 | +36% |
| IBCP | INDEPENDENT BANK CORP /MI/ | 4/9 | — | 10.9 | +0.3% |
| MCHB | Mechanics Bancorp | 3/9 | — | 13.9 | +3.3% |
| CPF | CENTRAL PACIFIC FINANCIAL CORP | 7/9 | — | 12.8 | +33.8% |
| TCBK | TRICO BANCSHARES / | 6/9 | — | 14.2 | +4.1% |
| CATY | CATHAY GENERAL BANCORP | 6/9 | — | 13.2 | +2.9% |
| CIVB | CIVISTA BANCSHARES, INC. | 3/9 | — | 12.9 | -0.5% |
All Finance, Insurance & Real Estate companies →
About ORRSTOWN FINANCIAL SERVICES INC
Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; agricultural loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. The company was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.
FAQ
Is ORRF financially healthy?
ORRSTOWN FINANCIAL SERVICES INC's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does ORRF pay a dividend, and is it safe?
Yes. ORRSTOWN FINANCIAL SERVICES INC pays a dividend yielding about 2.55% with a 25.5% payout ratio, rated “safe” for safety.
How profitable is ORRF?
In FY2025, ORRSTOWN FINANCIAL SERVICES INC had a net margin of 217.7% and a return on equity of 13.7%.
Is ORRF overvalued or undervalued?
ORRSTOWN FINANCIAL SERVICES INC trades at about 10.3× trailing earnings — below its 10-year norm (10-year range 8.6×–54.2×, median 24.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ORRF?
The average Wall-Street price target for ORRSTOWN FINANCIAL SERVICES INC is $41.75, about 3.4% below the recent price, from 4 analysts (consensus: buy).
Is ORRF a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on ORRSTOWN FINANCIAL SERVICES INC: a Piotroski F-score of 4/9, a P/E of about 10.0×, a dividend yield of 2.55%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.