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Orrstown Financial Services, Inc. ORRF | NASDAQ

$41.60 $0.11 | 0.27%

TREND SIGNAL: Signal available — unlock to view

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|2026-09-23

Next Earnings: Oct 20, 2026

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Company Overview:

Market Cap: $816.09M

Trailing PE: 9.3x

FWD PE *: 9.6x

Payout Ratio (TTM): 25.8%

52-Week Range: $31.87 - $43.81

* Forward PE is based on street estimates.

10 Year ORRF Performance Metrics:

Total Return (with DRIP): 182.5% (10.94% CAGR)

Total Return (no DRIP): 147.2% (9.47% CAGR)

Share Price: 109.8% (7.69% CAGR)

Yield on Cost (with DRIP): 8.15%

Total Invested: $10,000

Total Value (with DRIP): $28,253

Total Return $ (with DRIP): $18,253

Dividend Increase: 200.0% (11.94% CAGR)

Dividend Yield (FWD): 2.88% ($1.20)

ORRF 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

ORRF Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

ORRF Price CAGR:1Y: 29.47%2Y: 5.37%5Y: 11.74%10Y: 7.69%

ORRF Dividend Charts

ORRF - Dividends

ORRF Dividend CAGR:1Y: 11.11%2Y: 14.21%5Y: 9.57%10Y: 12.79%

ORRF - Dividend Payout Ratio

ORRF Dividend Payout Ratio CAGR:1Y: 6.80%2Y: 0.28%5Y: 3.83%10Y: -12.84%

ORRF - Dividend to Free Cash Flow Ratio

ORRF Dividend to FCF Ratio CAGR:1Y: 22.85%2Y: -11.39%5Y: -18.31%10Y: 0.00%

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ORRF Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

ORRF - Revenue

ORRF Revenue CAGR:1Y: -29.42%2Y: 10.78%5Y: 16.58%10Y: 16.38%

ORRF - Earnings Per Share (EPS)

ORRF EPS CAGR:1Y: 7.92%2Y: 22.19%5Y: 6.65%10Y: 29.85%

ORRF - Net Income

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ORRF Net Income CAGR:1Y: 8.79%2Y: 65.36%5Y: 19.24%10Y: 41.07%

ORRF - EBITDA

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ORRF EBITDA CAGR:1Y: -13.01%2Y: 50.50%5Y: 1.99%10Y: 0.00%

ORRF - Free Cash Flow

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ORRF Free Cash Flow CAGR:1Y: -5.42%2Y: 87.15%5Y: 51.55%10Y: 0.00%

ORRF - Free Cash Flow / Share

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ORRF Free Cash Flow / Share CAGR:1Y: -6.11%2Y: 37.29%5Y: 35.36%10Y: 0.00%

ORRF - Operating Income

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ORRF Operating Income CAGR:1Y: -0.17%2Y: 58.45%5Y: 1.99%10Y: 10.86%

ORRF - Gross Profit

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ORRF Gross Profit CAGR:1Y: 1.01%2Y: 39.30%5Y: 17.76%10Y: 17.56%

ORRF - Shares Outstanding

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ORRF Shares Outstanding CAGR:1Y: 0.47%2Y: 35.70%5Y: 11.83%10Y: 9.10%

ORRF - Share Buybacks

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ORRF Share Buybacks CAGR:1Y: 577.63%2Y: 0.00%5Y: 0.00%10Y: 2.93%

ORRF - Stock-Based Comp

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ORRF Stock-Based Comp CAGR:1Y: 38.10%2Y: 43.37%5Y: 30.02%10Y: 21.23%

ORRF - Expenses

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ORRF Expenses CAGR:1Y: -30.89%2Y: 284.15%5Y: 6.42%10Y: -13.26%

ORRF - Revenue vs Net Income

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ORRF - EPS vs FCF / Share

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ORRF - EPS vs PE Ratio

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ORRF - FCF vs FCF / Share

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ORRF - FCF vs Stock Based Comp

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ORRF - Cash & Debt

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ORRF - Revenue by Segment

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ORRF Revenue CAGR:1Y: -29.42%2Y: 10.78%5Y: 16.58%10Y: 16.38%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

ORRF - REVENUE: Actual + Estimates

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ORRF Actual Revenue CAGR:1Y: -29.42%2Y: 10.78%5Y: 16.58%10Y: 16.38%

ORRF - EPS: Actual + Estimates

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ORRF Actual EPS CAGR:1Y: 7.92%2Y: 22.19%5Y: 6.65%10Y: 29.85%

ORRF - NET INCOME: Actual + Estimates

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ORRF Actual Net Income CAGR:1Y: 8.79%2Y: 65.36%5Y: 19.24%10Y: 41.07%

ORRF - EBITDA: Actual + Estimates

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ORRF Actual EBITDA CAGR:1Y: -13.01%2Y: 50.50%5Y: 1.99%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

ORRF - Net Profit Margin

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ORRF Net Profit Margin CAGR:1Y: 7.08%2Y: 24.42%5Y: -4.90%10Y: 16.86%

ORRF - Gross Profit Margin

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ORRF Gross Profit Margin CAGR:1Y: -0.58%2Y: 4.80%5Y: -6.09%10Y: -2.61%

ORRF - Price to Earnings

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ORRF Price to Earnings CAGR:1Y: 17.78%2Y: -1.82%5Y: 5.17%10Y: -16.17%

ORRF - Price To Sales Ratio

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ORRF Price To Sales Ratio CAGR:1Y: 27.16%2Y: 22.39%5Y: 0.10%10Y: -1.99%

ORRF - Return on Capital Employed

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ORRF Return on Capital Employed CAGR:1Y: 18.29%2Y: 30.47%5Y: 34.90%10Y: 17.35%

ORRF - Return on Invested Capital

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ORRF Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

ORRF Dividends Info:

Annual Dividend: $1.2

Forward Yield: 2.88%

Ex-Dividend Date: 2026-08-04

Lifetime Dividends / Share: $15.66

ORRF Dividend History: Dates, Payments & Yield list

Below is a schedule of all ORRF dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/04/2026	08/11/2026	$0.300	2.77%	2.8%	$42.79
05/05/2026	05/12/2026	$0.300	3.25%	3.32%	$36.13
02/10/2026	02/17/2026	$0.300	3.17%	3.18%	$37.74
11/05/2025	11/12/2025	$0.270	3.17%	3.14%	$34.43
08/05/2025	08/12/2025	$0.270	3.36%	3.23%	$33.46
05/06/2025	05/13/2025	$0.260	3.48%	3.32%	$31.30
02/14/2025	02/21/2025	$0.260	3.09%	3.15%	$33.05
11/05/2024	11/12/2024	$0.230	2.47%	2.24%	$41.14
08/08/2024	08/15/2024	$0.230	2.84%	2.8%	$32.85
05/06/2024	05/14/2024	$0.200	3.01%	3%	$26.65
02/05/2024	02/13/2024	$0.200	3.03%	3.08%	$25.97
11/06/2023	11/14/2023	$0.200	3.57%	3.3%	$24.24
08/07/2023	08/15/2023	$0.200	3.36%	3.57%	$22.43
05/08/2023	05/16/2023	$0.200	4.85%	4.77%	$16.76
02/06/2023	02/14/2023	$0.200	3.23%	3.4%	$23.55
10/28/2022	11/07/2022	$0.190	2.88%	2.95%	$25.78
07/29/2022	08/08/2022	$0.190	2.93%	2.9%	$26.23
04/29/2022	05/09/2022	$0.190	3.22%	3.19%	$23.86
01/31/2022	02/08/2022	$0.190	3.07%	3.03%	$25.09
10/29/2021	11/08/2021	$0.190	3.21%	3.02%	$25.14
07/30/2021	08/09/2021	$0.190	3.3%	3.21%	$23.65
04/30/2021	05/10/2021	$0.180	3.04%	2.92%	$24.65
01/29/2021	02/08/2021	$0.180	4.16%	3.65%	$19.74
10/30/2020	11/09/2020	$0.170	4.86%	4.3%	$15.83
07/31/2020	08/10/2020	$0.170	5%	4.71%	$14.45
05/01/2020	05/11/2020	$0.170	5%	5.28%	$12.88
01/31/2020	02/10/2020	$0.170	3.3%	3.22%	$21.09
11/01/2019	11/12/2019	$0.150	2.75%	2.75%	$21.83
08/02/2019	08/12/2019	$0.150	2.76%	2.86%	$20.99
04/29/2019	05/07/2019	$0.150	2.86%	2.88%	$20.80
02/01/2019	02/11/2019	$0.150	3.21%	2.99%	$20.10
10/26/2018	11/05/2018	$0.130	2.5%	2.53%	$20.55
07/26/2018	08/03/2018	$0.130	1.97%	1.99%	$26.15
04/23/2018	05/02/2018	$0.130	2.01%	1.99%	$26.10
02/01/2018	02/09/2018	$0.120	1.88%	1.91%	$25.10
11/03/2017	11/15/2017	$0.120	1.9%	1.97%	$24.35
08/04/2017	08/15/2017	$0.100	1.58%	1.58%	$25.35
05/04/2017	05/15/2017	$0.100	1.83%	1.86%	$21.50
02/08/2017	02/17/2017	$0.100	1.8%	1.72%	$23.20
11/07/2016	11/18/2016	$0.090	1.95%	1.86%	$19.40
08/08/2016	08/19/2016	$0.090	1.85%	1.81%	$19.93
05/09/2016	05/20/2016	$0.090	1.93%	1.86%	$19.40
02/08/2016	02/19/2016	$0.080	1.83%	1.87%	$17.10
11/02/2015	11/13/2015	$0.080	1.78%	1.77%	$18.07
08/05/2015	08/20/2015	$0.070	1.67%	1.61%	$17.35
05/06/2015	05/21/2015	$0.070	1.63%	1.61%	$17.34
08/10/2011	08/24/2011	$0.230	5.57%	6.13%	$15.00
05/11/2011	05/25/2011	$0.230	3.62%	3.65%	$25.18
02/09/2011	02/23/2011	$0.230	3.5%	3.41%	$26.99
11/09/2010	11/24/2010	$0.225	3.54%	3.42%	$26.31
08/04/2010	08/18/2010	$0.225	3.78%	3.87%	$23.23
05/05/2010	05/19/2010	$0.220	3.57%	3.55%	$24.79
02/10/2010	02/24/2010	$0.220	2.96%	2.53%	$34.78
11/10/2009	11/25/2009	$0.220	2.73%	2.62%	$33.55
08/12/2009	08/26/2009	$0.220	2.32%	2.34%	$37.60
05/13/2009	05/27/2009	$0.220	3.49%	2.77%	$31.75
02/11/2009	02/25/2009	$0.220	3.26%	3.38%	$26.00
11/05/2008	11/21/2008	$0.220	2.98%	3.03%	$29.00
08/06/2008	08/22/2008	$0.220	2.86%	2.88%	$30.55
05/07/2008	05/23/2008	$0.220	2.93%	2.89%	$30.50
02/06/2008	02/22/2008	$0.210	2.8%	2.75%	$30.55
11/01/2007	11/21/2007	$0.210	2.63%	2.63%	$32.00
08/08/2007	08/24/2007	$0.210	2.67%	2.55%	$33.00
05/09/2007	05/25/2007	$0.200	2.37%	2.25%	$35.50
02/07/2007	02/23/2007	$0.200	2.27%	2.32%	$34.43
11/06/2006	11/21/2006	$0.190	2.13%	2.12%	$35.95
08/07/2006	08/25/2006	$0.190	2.16%	2.17%	$35.10
05/08/2006	05/24/2006	$0.190	2.25%	2.24%	$34.05
02/06/2006	02/24/2006	$0.171	2.06%	2.1%	$32.62
12/08/2005	12/20/2005	$0.152	1.83%	1.83%	$33.38
10/04/2005	10/28/2005	$0.143	1.58%	1.63%	$35.00
07/05/2005	07/29/2005	$0.133	1.36%	1.4%	$38.10
04/01/2005	04/22/2005	$0.127	1.37%	1.37%	$37.19
01/06/2005	01/28/2005	$0.118	1.18%	1.06%	$44.42
09/30/2004	10/22/2004	$0.118	1.21%	1.24%	$38.10
06/30/2004	07/23/2004	$0.109	1.18%	1.15%	$37.87
04/06/2004	04/23/2004	$0.120	1.27%	1.2%	$39.91
12/29/2003	01/23/2004	$0.104	1.37%	1.21%	$34.47
10/02/2003	10/24/2003	$0.095	1.25%	1.25%	$30.39
07/01/2003	07/25/2003	$0.095	1.45%	1.38%	$27.66
03/31/2003	04/25/2003	$0.086	1.64%	1.63%	$21.16
12/31/2002	01/24/2003	$0.086	1.7%	1.65%	$20.95
10/02/2002	10/25/2002	$0.078	1.57%	1.53%	$20.30
07/05/2002	07/26/2002	$0.073	1.54%	1.54%	$19.11
04/02/2002	04/25/2002	$0.073	1.73%	1.36%	$21.60
12/28/2001	01/25/2002	$0.069	1.64%	1.6%	$17.28
10/03/2001	10/26/2001	$0.065	1.58%	1.58%	$16.41
07/02/2001	07/26/2001	$0.062	1.5%	1.41%	$17.48
03/29/2001	04/26/2001	$0.062	1.56%	1.58%	$15.63
12/28/2000	01/25/2001	$0.150	3.65%	3.65%	$16.45
10/02/2000	10/26/2000	$0.140	3.58%	3.62%	$15.48
06/30/2000	07/07/2000	$0.140	3.62%	3.62%	$15.48
03/31/2000	04/26/2000	$0.140	3.4%	3.54%	$15.84
12/29/1999	01/21/2000	$0.058	1.48%	1.43%	$16.15
09/29/1999	10/22/1999	$0.140	3.93%	3.93%	$14.25
06/29/1999	07/23/1999	$0.130	4%	3.83%	$13.58

Projected Future Returns & Dividends for ORRF

Based on past 10-year performance, here are ORRF growth metrics:

Share price CAGR of +7.69%
Dividend CAGR of +12.83%

Using ORRF CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	ORRF (DRIP)	ORRF - No DRIP
Current Price	$41.60	$41.60
Start Shares	240.38	240.38
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	343.62	240.38
Dividends Payment	$1.00	$1.00
Annual Dividends	$1,378	$964
Yield on cost	13.78%	9.64%
Share Price	$87.27	$87.27
Total Dividends	$6,437	$5,269
Final Value	$29,988	$26,247

Estimated Future Value + Dividends - ORRF

NOTE: Above numbers are our estimate based on ORRF's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Orrstown Financial Services, Inc. (ORRF) had its IPO on 1999-05-13, and is traded on NASDAQ stock exchange.

Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles like trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor. It also facilitates retail brokerage services through a collaborative arrangement with an external broker/dealer, and provides direct investment advisory and insurance services. Established in 1919, Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania. Its operational footprint spans multiple counties in Pennsylvania (Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (Anne Arundel, Baltimore, Howard, and Washington, alongside Baltimore City).

ORRF website: https://www.orrstown.com

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DCF Model — ORRF

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $41.60

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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