ORRF

Orrstown Financial Services Inc

ORRF.US orrstown.com + Research + Basket
CIK 0000826154
Employees 627
Phone 717 532 6114
Fiscal year end December
IPO May 13, 1999
Address 4750 Lindle Road, Harrisburg, PA, United States, 17111
44.44
+0.30 (+0.68%)
USD · NASDAQ
52-week range
31.51
45.40
Trading at 93% of the 52-week range
Market Cap
874.12M
P/E Ratio
9.90
Forward P/E
8.89
Book Value
30.77
Div. Yield
2.65%
% Institutions
61.06%
% Insiders
3.71%

1 Year

+38.1%

3 Year

+130.7%

10 Year

+187.5%
Description

Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; agricultural loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. The company was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.

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People

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Directors & Officers

Name Title Year Born
Mr. Adam L. Metz President, CEO & Director 1972
Mr. Neelesh Kalani CPA Executive VP, CFO & Head of Investor Relations 1975
Ms. Amy L. Doll Executive VP & Chief Administrative Officer 1980
Mr. Christopher D. Holt Executive VP & Market President for the Maryland Region 1964
Mr. Benjamin Colvard IV Executive VP & Chief Operations Officer NA
Mr. Sean P. Mulcahy CPA Senior VP & Chief Accounting Officer 1983
Mr. Christopher J. Orr Executive VP & Chief Information Officer 1984
Mr. Matthew Dyckman Esq. Executive VP & General Counsel 1969
Ms. Heather K. Knisely Executive VP & Chief Human Resources Officer 1984
Mr. Philip E. Fague CPA Executive VP & Chief Trust Officer of Orrstown Bank 1960

Insider Trading

Open insider trading
Date Insider Name Title Transaction Type Shares Price Value SEC
Mar 18, 2026 Brian D Brunner N/A Purchase 1.00K $34.02 $34.02K SEC
Feb 02, 2026 Sarah M Brown N/A Purchase 406.00 $36.21 $14.70K SEC
Oct 27, 2025 Cindy Jeannette Joiner N/A Purchase 302.00 $34.29 $10.36K SEC
Sep 03, 2025 Sarah M Brown N/A Purchase 288.00 $35.00 $10.08K SEC
Jul 28, 2025 Michael Jaeger N/A Sale 642.00 $34.25 $21.99K SEC

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 1.68M Jun 30, 2026 8.54% $0.00 13.49%
Dimensional Fund Advisors, Inc. 964.87K Jun 30, 2026 4.91% $0.01 7.13%
Vanguard Capital Management, LLC 835.24K Jun 30, 2026 4.25% $0.00 2.15%
State Street Corp 679.72K Jun 30, 2026 3.46% $0.00 -15.11%
Charles Schwab Investment Management Inc 665.02K Jun 30, 2026 3.38% $0.00 12.20%
American Century Companies Inc 602.13K Jun 30, 2026 3.06% $0.01 21.13%
Geode Capital Management, LLC 566.72K Jun 30, 2026 2.88% $0.00 6.64%
Vanguard Portfolio Management, LLC 304.51K Jun 30, 2026 1.55% $0.00 17.14%
Two Sigma Investments LLC 290.06K Jun 30, 2026 1.47% $0.01 -3.63%
Algert Global LLC 287.64K Jun 30, 2026 1.46% $0.14 -10.27%
Qube Research & Technologies 276.12K Jun 30, 2026 1.40% $0.01 10.35%
Nuveen, LLC 243.77K Jun 30, 2026 1.24% $0.00 -27.87%
Manufacturers Life Insurance Co 227.44K Jun 30, 2026 1.16% $0.01 -0.77%
Citadel Advisors Llc 225.51K Jun 30, 2026 1.15% $0.00 116.91%
Northern Trust Corp 174.55K Jun 30, 2026 0.89% $0.00 7.63%
ProShare Advisors LLC 172.82K Jun 30, 2026 0.88% $0.01 -3.28%
Petiole USA ltd 167.77K Jun 30, 2026 0.85% $4.92 -2.33%
Kennedy Capital Management Inc 154.61K Jun 30, 2026 0.79% $0.11 -1.93%
Pacific Ridge Capital Partners, LLC 146.30K Jun 30, 2026 0.74% $1.08 -0.77%
Man Group PLC 146.01K Jun 30, 2026 0.74% $0.01 9.15%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard MStar Total Stk Mkt Idx Invest 592.62K 3.01% ▲ 0.00% Sep 30, 2026
2 Avantis US Small Cap Value ETF 591.58K 3.01% ▲ 0.13% Sep 30, 2026
3 Schwab US Dividend Equity ETF™ 556.06K 2.83% ▲ 0.27% Sep 30, 2026
4 iShares Russell 2000 ETF 521.11K 2.65% ▲ 0.77% Sep 30, 2026
5 Fidelity Small Cap Index 210.14K 1.07% ▲ 0.66% Jul 31, 2026
6 DFA US Small Cap Value I 186.73K 0.95% ▲ 3.64% Aug 31, 2026
7 iShares Russell 2000 Value ETF 183.04K 0.93% ▲ 0.15% Sep 30, 2026
8 Nuveen Quant Small Cap Equity R6 166.80K 0.85% ▲ 0.00% Aug 31, 2026
9 State Street® SPDR® S&PRgnllBkgETF 162.94K 0.83% ▲ 3.08% Sep 30, 2026
10 DFA US Targeted Value I 127.49K 0.65% ▲ 3.41% Aug 31, 2026

Financial Highlights

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Market Cap: $874.12M
P/E Ratio: $9.90
PEG Ratio: $0.00
Book Value: $30.77
Dividend/Share: $1.17
Dividend Yield: 2.65%
Earnings/Share: $4.49
Profit Margin: 33.95%
Operating Margin: 47.31%
ROA (TTM): 1.56%
ROE (TTM): 14.83%
Revenue (TTM): $257.06M
Revenue/Share (TTM): $13.32
Earnings Growth (YOY): 3.50%
Revenue Growth (YOY): 2.60%

Valuation Metrics

Enterprise Value: $1.17B
Trailing P/E: 9.90
Forward P/E: 8.89

Shares Statistics

Shares Outstanding: 19.67M
Shares Float: 18.76M
% Insiders: 3.71%
% Institutions: 61.06%
Shares Short: 478.08K
Shares Short (Prior Month): 511.58K
Short Ratio: 4.67
Short % Float: 2.54%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

Max Price History

Financial Charts

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Open balance sheet Open capital intensity Download Financials (Excel)

Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
Line Item
Step Type
Value
Revenue
adjust
$353.86M
Cost of Goods Sold
adjust
$-103.89M
Gross Profit
subtotal
$249.97M
SG&A
adjust
$-88.18M
Other Operating Expense
adjust
$-59.08M
Operating Income
subtotal
$102.71M
Other / Non-Operating Items
adjust
$-21.86M
Net Income
subtotal
$80.86M

Earnings Per Share (EPS) History

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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