# Orrstown Financial Services Inc. (ORRF) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $43.13, market value $848 million.

## Valuation
- **P/E (trailing): 9.7×** (5-yr avg 11.5×, 3-yr avg 13.3×). Orrstown Financial Services Inc. trades at 9.7× trailing earnings, close to its own five-year average of 11.5×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.8×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.05**. A PEG of 0.05 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 22.8×**. Each dollar of revenue is priced at 22.8×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.1%** (5-yr avg 12.7%). Free cash flow equals 10.1% of the market value, below its five-year average of 12.7%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 10.3%**. The inverse of the P/E: 10.3% of the price is earned each year.

## Profitability
- **Net margin: 217.7%**. 217.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 13.7%**. 13.7% on shareholders' equity is solid.
- **Return on assets: 1.5%**. Each dollar of assets produces 1.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 36.0%** (3-yr 24.0%/yr, 5-yr 17.7%/yr). Revenue grew 36.0% over the last year, against 17.7% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 182.4%** (3-yr 26.6%/yr, 5-yr 11.7%/yr). Earnings per share rose 182.4%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 25.9%/yr**. Free cash flow has compounded at 25.9% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.78%** ($1.14 per share, trailing). Orrstown Financial Services Inc. yields 2.78%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 26%** (26% of free cash flow). 26% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 11**. 11 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 9.3%/yr** (1-yr 23.3%). The dividend has grown 9.3% a year over five years.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover Orrstown Financial Services Inc.; the consensus is buy, with an average price target of $45.75 (+6% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 25.5%** (YTD 23.7%, 3-mo 14.4%). The shares are up 25.5% over twelve months including dividends.
- **From 52-week high: -1.6%** (35.3% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 59**. An RSI of 59 is neutral.
- **Beta (1 yr): 0.51** (volatility 25%). Beta of 0.51 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ORRF · Page: https://foliofundamentals.com/stocks/orrf

Not investment advice.