ORRF
Orrstown Financial Services, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Last price
42.02
▼ 0.08 (0.19%)
MARKET · —
Price
Open
41.95
Prev close
42.10
Day high
42.61
Day low
41.63
Volume
133.86K
Market cap
$826.52M
P/E (TTM)
9.44
52W range
31.87 – 43.81
Trailing performance
Returnvs SPY
1W
-3.05%
-1.7%
1M
+0.14%
-3.6%
3M
+14.31%
+11.2%
6M
+10.35%
-0.7%
YTD
+18.63%
+6.3%
1Y
+26.80%
+6.8%
3Y
+82.30%
+8.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$826.52M
Enterprise value$986.09M
Revenue (TTM)$255.38M
Gross profit$255.38M
EBITDA—
Net income$86.32M
EPS (TTM)$4.45
Free cash flow—
Total cash$154.78M
Total debt$314.36M
Book value / share$31.60
Shares outstanding19.67M
Float18.75M
Short % of float2.87%
Dividend yield2.86%
Beta (5Y)0.68
Valuation & profitability ratios
Trailing P/E9.44
Forward P/E9.59
PEG ratio—
Price / sales—
Price / book1.33
EV / revenue3.86
EV / EBITDA—
Gross margin0.00%
Operating margin44.08%
Profit margin33.80%
Return on equity14.75%
Return on assets1.57%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $202.03M | $156.90M | $106.34M | $101.00M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $80.86M | $22.05M | $35.66M | $22.04M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $80.86M | $22.05M | $35.66M | $22.04M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.03 | 1.09 | +6.2% |
| Mar 2026 | 1.01 | 1.12 | +11.3% |
| Dec 2025 | 1.06 | 1.11 | +4.5% |
| Sep 2025 | 1.05 | 1.13 | +7.6% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.10 | 4 | $52.58M | +2.0% |
| Next quarter | 1.09 | 4 | $52.83M | +3.4% |
| Current year | 4.30 | 4 | $204.53M | +1.2% |
| Next year | 4.38 | 4 | $214.90M | +5.1% |
Analyst targets & ownership
Mean target$45.75
High target$48.00
Low target$43.00
Implied upside8.88%
Analyst count4
ConsensusBUY
Strong buy / Buy1 / 2
Hold2
Sell / Strong sell0 / 0
Held by insiders3.71%
Held by institutions60.58%
Institutions holding235
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+23.37K
Net buying
Buy transactions
15
36.72K shares
Sell transactions
3
13.35K shares
Net transactions
+18
Buys less sells
Sell : buy shares
0.4 : 1
Mixed
Insider-held shares
729.74K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 6, 26 | RICE MICHAEL JOHN Director |
SELL | 2.53K | $109.19K | Direct |
| Jul 30, 26 | ZULLINGER JOEL R Director |
STOCK | 120 | $5.22K | Direct |
| Jul 27, 26 | DOLL AMY L Officer |
SELL | 3.00K | $124.91K | Direct |
| Jul 24, 26 | DOLL AMY L Officer |
CONVERSION | 3.00K | $72.91K | Direct |
| May 5, 26 | KELLER MARK K Director |
STOCK | 1.50K | $0 | Direct |
| May 5, 26 | MESSICK JOHN RODNEY Director |
STOCK | 1.50K | $0 | Direct |
| May 5, 26 | SEGAL ERIC ANDREW Director |
STOCK | 1.50K | $0 | Direct |
| May 5, 26 | ZULLINGER JOEL R Director |
STOCK | 2.60K | $0 | Direct |
| May 5, 26 | SNOKE GLENN W Director |
STOCK | 1.50K | $0 | Direct |
| May 5, 26 | BRUNNER BRIAN D Director |
STOCK | 1.50K | $0 | Direct |
| May 5, 26 | FAINOR SCOTT V Director |
STOCK | 1.50K | $0 | Direct |
| May 5, 26 | JOINER CINDY JEANNETTE Director |
STOCK | 1.50K | $0 | Direct |
| May 5, 26 | GIAMBALVO JOHN W Director |
STOCK | 1.50K | $0 | Direct |
| May 5, 26 | RICE MICHAEL JOHN Director |
STOCK | 1.50K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BRUNNER BRIAN D |
Director | 55.60K | Stock Award(Grant) |
CORADI ROBERT G. |
Officer | 75.06K | Stock Award(Grant) |
FAGUE PHILIP E |
Officer | 58.24K | Stock Award(Grant) |
GIAMBALVO JOHN W |
Director | 50.84K | Stock Award(Grant) |
HORNBERGER DAVID TODD |
Officer | 43.26K | Stock Award(Grant) |
KALANI NEELESH |
Chief Financial Officer | 39.26K | Stock Award(Grant) |
METZ ADAM L |
Chief Operating Officer | 40.35K | Stock Award(Grant) |
QUINN THOMAS R JR |
Chief Executive Officer | 137.57K | Sale |
SNOKE GLENN W |
Director | 43.07K | Stock Award(Grant) |
ZULLINGER JOEL R |
Director | 58.85K | Stock Gift |
Moving averages & technicals
SMA 10
42.74
-1.70% from price
SMA 20
42.92
-2.10% from price
SMA 50
41.48
+1.31% from price
SMA 100
39.29
+6.94% from price
SMA 200
37.67
+11.56% from price
EMA 12
42.60
-1.37% from price
EMA 26
42.33
-0.73% from price
EMA 50
41.40
+1.49% from price
RSI (14)
47.3
Neutral
MACD (12,26,9)
0.27
Hist -0.25
ATR (14)
0.75
1.78% of price
Realised vol 30D
19.9%
Annualised
Bollinger upper
43.97
20, 2σ
Bollinger lower
41.87
20, 2σ
50 / 200 cross
Golden
41.48 vs 37.67
Trend bias
Above 200
+11.56%
Risk profile
Beta vs SPY
0.48
Less volatile than market
Correlation to SPY
0.24
Largely independent
Realised vol 30D
19.9%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-13.9%
Peak to trough
Max drawdown 5Y
-43.6%
Peak to trough
ATR 14
0.75
1.78% of price
Beta (reported)
0.68
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
0.60
Call-heavy session
Put / call open interest
0.08
Positioning, not flow
Max pain
22.50
-46.5% from spot
ATM implied vol
62.7%
Nearest strike to spot
Skew (10% OTM)
+23.9%
Puts bid over calls
Call volume
5
Contracts, this expiry
Put volume
3
Contracts, this expiry
Heaviest call OI
40.00
75 contracts
Heaviest put OI
20.00
2 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
Orrstown Financial Services (ORRF) Stock Fair Value Rises As Analysts Weigh Franchise Strength And Transition
Simply Wall St. · 10d ago
Orrstown Financial Services (ORRF) Is Up 2.95% in One Week: What You Should Know
Zacks · 26d ago
Orrstown Financial Services Inc (ORRF) Hits Fresh High: Is There Still Room to Run?
Zacks · 26d ago
Orrstown Financial Services Inc (ORRF) Q2 2026 Earnings Call Highlights: Record Wealth ...
GuruFocus.com · 31d ago
Orrstown Financial Services Q2 Earnings Call Highlights
MarketBeat · 31d ago
Orrstown Financial Services, Inc. Q2 2026 Earnings Call Summary
Moby · 31d ago
Orrstown (ORRF) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
Zacks · 32d ago
Orrstown Financial Services (ORRF) Q2 Earnings Beat Estimates
Zacks · 32d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.