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/ORRF
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Orrstown Financial Services Inc

Orrstown Financial Services Inc

ORRF
$41.34USD↓-1.76%-0.74 today

MARKET CAP

812.2M

P/E (TTM)

9.4x

FWD P/E

9.5x

DAY RANGE

$41 – $42

52W RANGE

$32
$43

AI Summary

Stalk
Sell NowMedium

ORRF is exhibiting a clear lower-high, lower-low sequence under Stage 4 continuation, with price rejecting key EMAs and accelerating lower. The medium-term bias is bearish and short-term timing favors selling into rallies up to the 9/20/50 EMA confluence. While the long-term trend remains structurally positive with a rising 200 DMA, downside risk dominates until a reversal of the structural sequence. Execution is recommended on any bounce into broken intermediate moving averages.

  • ↑Q1 net income $21.8M ($1.12 EPS) with ROE at 14.76%
  • ↑Annualized loan growth of 4% and $98.7M deposit increase
  • ↓Net interest margin slid to 3.90% in Q1 from 4.00% last quarter
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Orrstown Financial Services, Inc. (NASDAQ: ORRF) is a regional bank providing a comprehensive range of banking services, including commercial banking, wealth management, and mortgage services primarily in central Pennsylvania. The bank aims to fortify client relationships while strategically navigating competitive pressures, with a focus on operational efficiency and sustainable growth. Following a successful recent merger, Orrstown is positioned to enhance its market presence and capitalize on growth opportunities in the financial services sector.

Bull says

  • ↑Q1 net income $21.8M ($1.12 EPS) with ROE at 14.76%
  • ↑Annualized loan growth of 4% and $98.7M deposit increase
  • ↑Strong capital base with ongoing tech and talent investments
  • ↑Quarterly dividend $0.30 yields 2.9%, signaling shareholder focus
  • ↑Management expects net interest margin to stabilize on lower funding costs
  • ↑Attractive earnings yield and low stock volatility imply potential undervaluation

Bear says

  • ↓Net interest margin slid to 3.90% in Q1 from 4.00% last quarter
  • ↓Negative growth and analyst revision trends warn of weaker earnings
  • ↓Intense pricing competition on loans and deposits pressuring margins
  • ↓Scale limitations and high short interest suggest possible volatility
  • ↓Board cautious on buybacks as capital preservation gains priority
  • ↓Regulatory, credit and macro uncertainties may strain loan quality

Investment themes with ORRF

Regional Banks↑ +0.50%

FLG · TCBI · ZION

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-23-2026bullish

Transcript signals

Bull points

  • Orrstown achieved another successful quarter, delivering strong results across the board.
  • Net income increased to $21.8 million, or $1.12 per diluted share.
  • Return on average equity and return on average assets continued to exceed peer multiples.

Bear points

  • the net interest margin was 3.90% in the first quarter, down from 4.00% in the fourth quarter of 25.
  • This was driven by a combination of the impact of the December Fed rate cut on interest income, reduced purchase accounting accretion, and temporarily elevated funding costs.
  • Our allowance coverage ratio was 1.17% at March 31st, 26, and we believe it remains adequately aligned with the risk profile of our loan portfolio.
Read full transcript analysis ›