Orrstown Financial Services Inc (ORRF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Orrstown Financial Services Inc stock (ORRF) is currently trading at $35.27. Orrstown Financial Services Inc PE ratio is 8.48. Orrstown Financial Services Inc PS ratio (Price-to-Sales) is 2.76. Analyst consensus price target for ORRF is $41.50. WallStSmart rates ORRF as Moderate Buy.
- ORRF PE ratio analysis and historical PE chart
- ORRF PS ratio (Price-to-Sales) history and trend
- ORRF intrinsic value — DCF, Graham Number, EPV models
- ORRF stock price prediction 2025 2026 2027 2028 2029 2030
- ORRF fair value vs current price
- ORRF insider transactions and insider buying
- Is ORRF undervalued or overvalued?
- Orrstown Financial Services Inc financial analysis — revenue, earnings, cash flow
- ORRF Piotroski F-Score and Altman Z-Score
- ORRF analyst price target and Smart Rating
Orrstown Financial Services Inc
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ORRF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Orrstown Financial Services Inc (ORRF)
ORRF trades at a significant discount to its Graham intrinsic value of $195.62, offering a 81% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Orrstown Financial Services Inc (ORRF) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Orrstown Financial Services Inc (ORRF) Key Strengths (5)
Keeps $47 of every $100 in revenue after operating costs
Earnings per share surging 55.90% year-over-year
Keeps $32 of every $100 in revenue as net profit
Trading at 1.15x book value, attractively priced
59.05% held by institutions, strong professional interest
Supporting Valuation Data
Orrstown Financial Services Inc (ORRF) Areas to Watch (4)
Modest revenue growth at 8.00%
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.76x sales
Orrstown Financial Services Inc (ORRF) Detailed Analysis Report
Overall Assessment
This company scores 66/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 5.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.15) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 47.10%, Profit Margin at 32.10%. Growth metrics are encouraging with EPS Growth at 55.90%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (2.76) suggest expensive pricing. Growth concerns include Revenue Growth at 8.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.60%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.60% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 8.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, EPS Growth) and negatives (Revenue Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ORRF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ORRF's Price-to-Sales ratio of 2.76x sits near its historical average of 2.73x (57th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 3% below its historical high of 2.83x set in Mar 2026, and 4% above its historical low of 2.65x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Orrstown Financial Services Inc (ORRF) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Orrstown Financial Services Inc is a mature, profitable business with steady cash generation. Revenue reached 252M with 8% growth year-over-year. Profit margins are strong at 32.1%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1460.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 32.1% and operating margin of 47.1% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 3.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 336M is significantly higher than cash (42M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Orrstown Financial Services Inc.
Bottom Line
Orrstown Financial Services Inc is a well-established business delivering consistent profitability with 32.1% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Orrstown Financial Services Inc(ORRF)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Orrstown Financial Services, Inc. is the holding company of Orrstown Bank providing trust and commercial banking services in the United States. The company is headquartered in Shippensburg, Pennsylvania.