# Orrstown Financial Services share price today (Orrstown Financial Services, Inc., ORRF)

> Orrstown Financial Services, Inc.'s earnings have grown faster than its share price. Earnings per share grew +182.4% in a year while the price moved +34.1%. ORRF · Financials · Banks - Regional · data as of 4 November 2026. Page: https://www.sectoralpha.in/us/stocks/orrf

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## Key numbers

- Business trend: Slowing from a peak, from the last 12 quarters
- Price: $45.27 (+34.1% in a year)
- P/BV: 1.5× (higher than 100% of the last 1 year)
- Revenue (Sep 2026): $65.7 M (+2.6% on a year ago)
- Profit (Sep 2026): $22.8 M (+4.3% on a year ago)
- Net margin: 34.7% (+0.5 points on a year ago)
- ROE: 15%, FY25
- ROA: 1.56%, latest

The main question: yearly earnings per share moved +182.4% while the share price moved +34.1%. ## What is the Orrstown Financial Services share price today? Orrstown Financial Services, Inc.'s share price was $45.27 at the close on 4 November 2026. That is 15.0% above its average price over the last 200 trading days. In the last 52 weeks it traded between $34 and $45, and at that close it was at the high of that range. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 3 weeks in a row. Over the last 1 year the share price moved +36% while the S&P 500 moved +18%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Orrstown Financial Services pay? Orrstown Financial Services, Inc. paid $1.17 per share over the last four reported quarters. The most recent declaration was $0.30 for Sep 2026. At today's price of $45.27 that is a yield of 2.58%, based on dividends already paid, not a forecast. ## Which stock lists is Orrstown Financial Services on? Orrstown Financial Services is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Orrstown Financial Services profitable? Orrstown Financial Services, Inc. earned $22.8 M of net profit in the Sep 2026 quarter, +4.3% on the same quarter a year earlier. That is the 4th quarter in a row of profit growth. Full-year FY25 profit was $80.9 M. Over 4 years profit has grown 25.2% a year on average. That is 34.7% of the quarter's revenue. The same quarter a year earlier earned $21.9 M. 1 of the last 12 reported quarters were loss-making. For the full year, FY25 profit was $80.9 M (+266.7% on the year before). Why profit moved: revenue changed +2.6% on a year earlier and the margin moved +0.5 percentage points. Sales did the work, and the margin was about flat. On average over the last four quarters, profit changed +22.8% and revenue +4.0%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Orrstown Financial Services make, and is it growing? Orrstown Financial Services, Inc. reported $65.7 M of income in the Sep 2026 quarter, +2.6% on the same quarter a year earlier. Over 4 years it has grown 21.7% a year on average. The last full year, FY25, came in at $252 M. The last four reported quarters add to $257 M. FY25 revenue was $252 M, +43.1% on the year before. Recent pace: the last four quarters grew +4.0% on average, against 21.7% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +3.9%, against +31.7% a year over the last 8 quarters (rolling over); profit over the last 12 months grew +19.5%, against +133.5% a year (rolling over). ## How much does Orrstown Financial Services keep from what it earns? Orrstown Financial Services, Inc.'s net margin was 34.7% in the Sep 2026 quarter, 0.5 percentage points higher than the same quarter a year ago. Its latest full-year margin is the highest it has ever reported. Across 5 years it has been between 12.5% and 32.1%. The latest quarter is above every full year in that period. Across 5 years it has been between 12.5% and 32.1%, and FY25's 32.1% is the highest of them. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. When margins are at a record, every ratio built on profit looks better than usual, so watch whether they hold. ## How many of Orrstown Financial Services' loans have gone bad? Orrstown Financial Services, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Orrstown Financial Services' loan book growing? Orrstown Financial Services, Inc.'s revenue was $252 M in FY25, +43.1% on the year before, so the loan book is growing. The latest quarter was +2.6% on a year earlier. The net margin on that income is 34.7%, +0.5 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Orrstown Financial Services' P/BV ratio, and how does it compare with its own history? Orrstown Financial Services, Inc.'s P/BV is 1.5×, about the highest it has ever been. Its usual P/BV (the middle reading) is 1.2×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved +34.1%. The price ran ahead of book value, which pushed the multiple up within its own range. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Orrstown Financial Services business getting better or worse? Orrstown Financial Services, Inc.'s business is slowing from a peak. Revenue, profit and EPS growth have slowed sharply (revenue growth from +66.9% at its peak to +3.9% now), while ROE is still 14.4%. This is based on 12 quarters of 4 measures. Why it matters: slowing from a peak is where good stories often end quietly. ## How much does Orrstown Financial Services earn on its equity and assets? Orrstown Financial Services, Inc. earned a return on equity of 14% in FY25. Its lowest yearly reading on file was 4% in FY24. On its assets, every $100 earned about $1.56, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That is above the level a bank needs to grow its net worth steadily. Why ROE moved: profit grew 25.2% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Orrstown Financial Services have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Orrstown Financial Services shareholding pattern? 2.5% of Orrstown Financial Services, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 4.7 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Orrstown Financial Services from balance-sheet trouble? For Orrstown Financial Services, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Orrstown Financial Services rank in its industry? There is no score against its industry: Orrstown Financial Services, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Orrstown Financial Services compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Orrstown Financial Services in size? Orrstown Financial Services is the 165th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: First Financial Corporation, Farmers National Banc Corp. and NB Bancorp, Inc. Just below it: Great Southern Bancorp, Inc., Mid Penn Bancorp, Inc. and First Community Bankshares, Inc. ### Banks - Regional companies close in size

1. [First Financial Corporation](https://www.sectoralpha.in/us/stocks/thff) $942 million
2. [Farmers National Banc Corp.](https://www.sectoralpha.in/us/stocks/fmnb) $939 million
3. [NB Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/nbbk) $928 million
4. Orrstown Financial Services, Inc. $890 million
5. [Great Southern Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/gsbc) $890 million
6. [Mid Penn Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/mpb) $888 million
7. [First Community Bankshares, Inc.](https://www.sectoralpha.in/us/stocks/fcbc) $887 million

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Kronos Worldwide, Inc.](https://www.sectoralpha.in/us/stocks/kro) $891 million · Specialty Chemicals
2. [MediaAlpha, Inc.](https://www.sectoralpha.in/us/stocks/max) $891 million · Internet Content & Information
3. Orrstown Financial Services, Inc. $890 million
4. [Great Southern Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/gsbc) $890 million · Banks - Regional
5. [Arteris, Inc.](https://www.sectoralpha.in/us/stocks/aip) $890 million · Semiconductors

## What else do people ask about Orrstown Financial Services? ### What were Orrstown Financial Services's latest quarterly results? Orrstown Financial Services, Inc. reported total income of $65.7 M and net profit of $22.8 M for the Sep 2026 quarter. Income rose 2.6% and profit rose 4.3% compared with a year earlier. Earnings per share were $1.17 (as of 4 November 2026). ### What is Orrstown Financial Services's market cap? Orrstown Financial Services, Inc.'s market capitalisation is $890 M at a stock price of $45.27. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026). ### How is Orrstown Financial Services performing? Orrstown Financial Services, Inc.'s latest readings are below. In its latest quarter, income rose 2.6% and profit rose 4.3% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 3 weeks running. This describes what the data did, not a rating (as of 4 November 2026). ### Will Orrstown Financial Services's stock price go up? This page does not forecast Orrstown Financial Services, Inc.'s stock price. What it shows instead: the stock price is $45.27. Its P/BV of 1.5× is higher than 100% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 4 November 2026). ### Where is Orrstown Financial Services in its business cycle? Orrstown Financial Services, Inc.'s FY25 net margin was 32.1%, against a 5-year range of 12.5% to 32.1%: the top of its range, a record year. When profit is at a record, every ratio looks better than usual, and the story depends on margins staying high. The latest quarter was 34.7%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026). ### What could break the Orrstown Financial Services story? The main question: yearly earnings per share moved +182.4% while the share price moved +34.1%. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026). ### Is Orrstown Financial Services a stock worth studying right now? What the numbers show: Orrstown Financial Services, Inc.'s earnings have grown faster than its share price. Earnings per share grew +182.4% in a year while the price moved +34.1%. The main open question: whether the price catches up with earnings that have already grown. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026). This is research, not advice. We’re not SEBI-registered.