ORRF
Orrstown Financial Services, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Buy
+28/100
Last price
41.33
▼ 0.07 (0.17%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
41.59
Prev close
41.40
Day high
41.75
Day low
41.18
Volume
61.20K
Market cap
$812.95M
P/E (TTM)
9.29
52W range
31.87 – 43.81
Day trading desk
Gap from prior close
+0.46%
Prior close 41.40
VWAP
41.36
-0.08% from price
Relative volume
0.39×
Quiet session
Session range
1.38%
41.18 – 41.75
Position in range
26%
Near session low
ATR (14D)
0.88
2.14% of price
Prior day high
41.75
PDH
Prior day low
41.13
PDL
Bid / ask spread
—
Quote not published
Session volume
40.41K
Avg 104.43K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+1.13%
-0.8%
1M
-4.17%
-5.3%
3M
+4.26%
-0.3%
6M
+11.04%
-7.1%
YTD
+16.69%
+2.4%
1Y
+22.53%
+6.1%
3Y
+96.72%
+14.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
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.
Free account
5 more panels on ORRF open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+30.19K
Net buying
Buy transactions
14
35.72K shares
Sell transactions
2
5.53K shares
Net transactions
+16
Buys less sells
Sell : buy shares
0.2 : 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 | FAINOR SCOTT V Director |
STOCK | 1.50K | $0 | 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 | 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 |
Fundamentals
Market cap$812.95M
Enterprise value$972.52M
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
Float18.76M
Short % of float3.22%
Dividend yield2.91%
Beta (5Y)0.68
Valuation & profitability ratios
Trailing P/E9.29
Forward P/E9.39
PEG ratio—
Price / sales—
Price / book1.31
EV / revenue3.81
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 | YoY |
|---|---|---|---|---|---|
| Total revenue | $248.91M | $190.41M | $129.31M | $125.30M | +30.7% |
| Operating revenue | $248.91M | $190.41M | $129.31M | $125.30M | +30.7% |
| Selling, general & admin | $91.52M | $82.63M | $56.02M | $52.29M | +10.8% |
| Pre-tax income | $102.64M | $27.81M | $45.03M | $26.62M | +269.1% |
| Tax provision | $21.78M | $5.76M | $9.37M | $4.58M | +278.4% |
| Net income | $80.86M | $22.05M | $35.66M | $22.04M | +266.7% |
| Net income to common | $80.86M | $22.05M | $35.66M | $22.04M | +266.7% |
| Basic EPS | 4.21 | 1.49 | 3.45 | 2.09 | +182.6% |
| Diluted EPS | 4.18 | 1.48 | 3.42 | 2.06 | +182.4% |
| Basic shares | 19.20M | 14.76M | 10.34M | 10.55M | +30.1% |
| Diluted shares | 19.36M | 14.91M | 10.44M | 10.71M | +29.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $149.77M | $248.87M | $65.16M | $60.82M | -39.8% |
| Accounts receivable | $21.47M | $21.06M | $13.63M | $11.03M | +2.0% |
| Property, plant & equipment | $51.03M | $50.22M | $29.39M | $29.33M | +1.6% |
| Goodwill & intangibles | $107.74M | $115.87M | $21.14M | $21.80M | -7.0% |
| Total assets | $5.54B | $5.44B | $3.06B | $2.92B | +1.8% |
| Long-term debt | $311.82M | $184.04M | $169.59M | $138.16M | +69.4% |
| Total debt | $311.82M | $184.04M | $169.59M | $138.16M | +69.4% |
| Total liabilities | $4.95B | $4.92B | $2.80B | $2.69B | +0.5% |
| Retained earnings | $186.75M | $126.54M | $117.67M | $92.47M | +47.6% |
| Shareholder equity | $591.53M | $516.68M | $265.06M | $228.90M | +14.5% |
| Net tangible assets | $483.79M | $400.81M | $243.92M | $207.09M | +20.7% |
| Shares issued | 19.71M | 19.72M | 11.20M | 11.23M | -0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $80.86M | $22.05M | $35.66M | $22.04M | +266.7% |
| Depreciation & amortisation | $15.27M | $9.69M | $4.34M | $4.62M | +57.6% |
| Stock-based compensation | $5.01M | $8.72M | $2.36M | $2.15M | -42.5% |
| Change in working capital | -$5.38M | -$6.45M | -$4.08M | $6.70M | +16.6% |
| Operating cash flow | $74.73M | $34.96M | $43.70M | $36.19M | +113.8% |
| Capital expenditure | -$4.24M | -$1.58M | -$2.29M | -$895.00K | -167.7% |
| Investing cash flow | -$181.96M | $60.99M | -$153.25M | -$270.99M | -398.3% |
| Share buybacks | -$2.27M | -$2.39M | -$2.96M | -$14.46M | +5.1% |
| Dividends paid | -$20.64M | -$13.18M | -$8.48M | -$8.26M | -56.7% |
| Financing cash flow | $8.13M | $87.76M | $113.89M | $86.91M | -90.7% |
| Free cash flow | $70.50M | $33.38M | $41.41M | $35.30M | +111.2% |
| End cash position | $149.77M | $248.87M | $65.16M | $60.82M | -39.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $61.50M | $63.44M | $63.91M | $63.48M | $61.81M | -3.1% |
| Operating revenue | $61.50M | $63.44M | $63.91M | $63.48M | $61.81M | -3.1% |
| Selling, general & admin | $24.38M | $22.80M | $23.59M | $22.59M | $23.41M | +6.9% |
| Pre-tax income | $24.66M | $27.50M | $27.49M | $27.68M | $24.70M | -10.3% |
| Tax provision | $3.50M | $5.69M | $6.00M | $5.81M | $5.26M | -38.4% |
| Net income | $21.16M | $21.81M | $21.49M | $21.86M | $19.45M | -3.0% |
| Net income to common | $21.16M | $21.81M | $21.49M | $21.86M | $19.45M | -3.0% |
| Basic EPS | 1.10 | 1.13 | 1.12 | 1.14 | 1.01 | -2.7% |
| Diluted EPS | 1.09 | 1.12 | 1.11 | 1.13 | 1.01 | -2.7% |
| Basic shares | 19.31M | 19.27M | 19.25M | 19.22M | 19.17M | +0.2% |
| Diluted shares | 19.43M | 19.41M | 19.38M | 19.36M | 19.34M | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $144.84M | $161.14M | $149.77M | $184.15M | $149.38M | -10.1% |
| Accounts receivable | $19.79M | $21.18M | $21.47M | $20.44M | $19.96M | -6.5% |
| Property, plant & equipment | $50.17M | $50.53M | $51.03M | $51.31M | $51.70M | -0.7% |
| Goodwill & intangibles | $103.32M | $105.50M | $107.74M | $110.09M | $112.50M | -2.1% |
| Total assets | $5.61B | $5.58B | $5.54B | $5.47B | $5.39B | +0.6% |
| Long-term debt | $282.82M | $243.97M | $311.82M | $246.19M | $205.35M | +15.9% |
| Total debt | $282.82M | $243.97M | $311.82M | $246.19M | $205.35M | +15.9% |
| Total liabilities | $4.99B | $4.97B | $4.95B | $4.90B | $4.84B | +0.3% |
| Retained earnings | $217.97M | $202.70M | $186.75M | $170.53M | $153.92M | +7.5% |
| Shareholder equity | $621.65M | $603.18M | $591.53M | $571.94M | $548.45M | +3.1% |
| Net tangible assets | $518.33M | $497.68M | $483.79M | $461.85M | $435.95M | +4.1% |
| Shares issued | 19.67M | 19.71M | 19.71M | 19.71M | 19.71M | -0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $21.16M | $21.81M | $21.49M | $21.86M | $19.45M | -3.0% |
| Depreciation & amortisation | $3.48M | $3.55M | $3.65M | $3.73M | $3.65M | -1.9% |
| Stock-based compensation | $1.78M | $1.54M | $1.04M | $1.33M | $1.29M | +15.3% |
| Change in working capital | $2.68M | $1.78M | -$2.18M | $2.68M | $5.50M | +50.5% |
| Operating cash flow | $22.95M | $25.54M | $16.49M | $22.82M | $24.48M | -10.1% |
| Capital expenditure | -$546.00K | -$422.00K | -$624.00K | -$506.00K | -$790.00K | -29.4% |
| Investing cash flow | -$52.42M | -$32.36M | -$98.25M | -$41.03M | -$82.56M | -62.0% |
| Share buybacks | -$515.00K | -$1.40M | -$177.00K | -$1.55M | -$76.00K | +63.2% |
| Dividends paid | -$5.89M | -$5.86M | -$5.26M | -$5.26M | -$5.07M | -0.6% |
| Financing cash flow | $13.18M | $18.18M | $47.38M | $52.98M | -$79.67M | -27.5% |
| Free cash flow | $22.40M | $25.11M | $15.87M | $22.31M | $23.69M | -10.8% |
| End cash position | $144.84M | $161.14M | $149.77M | $184.15M | $149.38M | -10.1% |
Options analytics
Put / call volume
0.30
Call-heavy session
Put / call open interest
3.00
Positioning, not flow
Max pain
22.50
-45.6% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
+184.6%
Puts bid over calls
Call volume
10
Contracts, this expiry
Put volume
3
Contracts, this expiry
Heaviest call OI
20.00
2 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.
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 | 5 | $52.54M | +1.9% |
| Next quarter | 1.09 | 5 | $52.80M | +3.3% |
| Current year | 4.32 | 4 | $204.44M | +1.2% |
| Next year | 4.40 | 5 | $214.54M | +4.9% |
Analyst targets & ownership
Mean target$45.75
High target$48.00
Low target$43.00
Implied upside10.69%
Analyst count4
ConsensusBUY
Strong buy / Buy1 / 2
Hold2
Sell / Strong sell0 / 0
Held by insiders3.71%
Held by institutions60.76%
Institutions holding240
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
41.30
+0.07% from price
SMA 20
41.72
-0.94% from price
SMA 50
42.27
-2.22% from price
SMA 100
40.74
+1.46% from price
SMA 200
38.63
+6.98% from price
EMA 12
41.44
-0.27% from price
EMA 26
41.69
-0.87% from price
EMA 50
41.64
-0.75% from price
RSI (14)
46.0
Neutral
MACD (12,26,9)
-0.25
Hist -0.03
ATR (14)
0.88
2.14% of price
Realised vol 30D
16.5%
Annualised
Bollinger upper
42.82
20, 2σ
Bollinger lower
40.63
20, 2σ
50 / 200 cross
Golden
42.27 vs 38.63
Trend bias
Above 200
+6.98%
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.
Risk profile
Beta vs SPY
0.43
Less volatile than market
Correlation to SPY
0.22
Largely independent
Realised vol 30D
16.5%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-13.9%
Peak to trough
Max drawdown 5Y
-43.6%
Peak to trough
ATR 14
0.88
2.14% of price
Beta (reported)
0.68
5Y monthly, from filing
Short interest
Shares short
606.92K
Prior 532.31K
Change vs prior
+14.0%
Shorts adding
% of float
3.22%
Normal
% of shares out
3.09%
Against total outstanding
Days to cover
7.3
Crowded exit
Float
18.76M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 23, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 22, 26 | DA Davidson | MAINTAINED | Neutral | Neutral |
| May 15, 26 | DA Davidson | INITIATED | — | Neutral |
| Jul 24, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 11, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Apr 24, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Feb 3, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Nov 13, 24 | Hovde Group | DOWNGRADE | Outperform | Market Perform |
| Jun 28, 24 | Janney Montgomery Scott | INITIATED | — | Buy |
| Jun 18, 24 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jan 25, 24 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Dec 13, 23 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
Dividends & splits
Forward rate$1.20 / yr
Forward yield2.91%
5-year avg yield3.00%
Payout ratio25.62%
Ex-dividend dateAug 4, 2026
Next pay dateAug 11, 2026
Last split105:100
Split dateMay 23, 2007
SEC filings
Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX
N-PX · 2026-08-13
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-22
Corporate Changes & Voting Matters
8-K · 2026-05-29
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-05-06
Corporate Changes & Voting Matters
8-K · 2026-05-05
Corporate Changes & Voting Matters
8-K · 2026-04-22
Headlines
Orrstown Bank Launches Redesigned Website to Enhance Client Experience and Strengthen Community Connections
GlobeNewswire · 9d ago
What Makes Orrstown (ORRF) a New Buy Stock
Zacks · 13d ago
Orrstown Financial Services (ORRF) Could Be a Great Choice
Zacks · 16d ago
Are You Looking for a High-Growth Dividend Stock?
Zacks · 34d ago
Orrstown Financial Services (ORRF) Stock Fair Value Rises As Analysts Weigh Franchise Strength And Transition
Simply Wall St. · 55d ago
Orrstown Financial Services (ORRF) Is Up 2.95% in One Week: What You Should Know
Zacks · 72d ago
Orrstown Financial Services Inc (ORRF) Hits Fresh High: Is There Still Room to Run?
Zacks · 72d ago
Orrstown Financial Services Inc (ORRF) Q2 2026 Earnings Call Highlights: Record Wealth ...
GuruFocus.com · 76d 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.