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what it is
Orrstown runs a community bank in Pennsylvania and Maryland, plus advisory, insurance, and brokerage services.
how it gets paid
Last year Orrstown Financial made $37M in revenue.
why it's growing
Revenue grew 36.0% last year. The $0.04 beat mattered because it showed Orrstown still has room to out-earn expectations in a tight rate setup.
what just happened
Orrstown beat by $0.04, with $1.12 a share versus $1.08 expected.
At a glance
B+ balance sheet — decent shape, but not bulletproof
50/100 earnings predictability — expect surprises
9.7x trailing p/e — the market's not buying it — or you found a deal
3.5% dividend yield — cash in your pocket every quarter
$1.48 fy2024 eps est
xvary composite: 64/100 — average
What they do
Orrstown runs a community bank in Pennsylvania and Maryland, plus advisory, insurance, and brokerage services.
Orrstown has 607 employees, not 60,000. That keeps it close to your town and your money. It serves the same customer through loans, deposits, fiduciary services, investment advice, and insurance. Leaving is painful because your paycheck, bills, and loan all sit in one place. The stock trades at 9.7x earnings and yields 3.5%. That is a cheap price for a bank with a B+ balance sheet grade.
How they make money
$37M
annual revenue · their business grew +36.0% last year
total revenue
$37M
+36.0%
The products that matter
commercial lending and deposits
Commercial Banking
$73.9M · core earnings engine
this is the business that matters. the bank generated $73.9M of net interest income, and management wants to grow loans 5% next.
~85% of mix
fiduciary and fee services
Wealth & Advisory
$13.1M · smaller but cleaner revenue
this piece brought in $13.1M of non-interest income. it matters because every dollar earned outside spread income makes the bank less hostage to rates.
diversifier
Key numbers
$37M
annual revenue
That is the whole business pie. A few million either way moves the story fast.
9.7x
trailing p/e
You pay $9.70 for $1 of earnings. That is cheap if profits stay steady.
3.5%
dividend yield
You get paid while you wait. That yield is higher than most cash accounts.
$184M
long debt
That is 22% of capital. Debt is not huge, but it still matters at a small bank.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 70 / 100
- long-term debt $184M (22% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for ORRF right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Orrstown beat by $0.04, with $1.12 a share versus $1.08 expected.
Quarterly revenue came in at $73.89M in the market data snippet. That is the kind of number that makes a small bank look bigger than its annual headline says.
$73.89M
revenue
$1.12
eps
n/a
n/a
the number that mattered
The $0.04 beat mattered because it showed Orrstown still has room to out-earn expectations in a tight rate setup.
source: company earnings report and Yahoo Finance snippet, 2026
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What could go wrong
the #1 risk is net interest margin compression at a small regional bank.
high
Net interest margin compression
management is guiding to a 3.90–4.00% margin for 2026. if funding costs stay stubborn or loan yields soften, that range gets harder to hit.
because net interest income is $73.9M and dominates the revenue mix, even a small miss here matters.
med
Loan growth misses the 5% plan
this is not a bank with some hidden second engine. if loan growth undershoots, revenue growth undershoots with it.
the stock already trades at 9.7x earnings. miss the growth target and the market has no reason to pay more.
med
Fee income is still too small to absorb a spread shock
non-interest income was $13.1M versus $73.9M of net interest income. diversification exists, but it is not carrying the business.
if margin pressure shows up, the wealth and advisory side is helpful, not enough on its own.
med
Codorus Valley merger execution still matters
the all-stock CVLY deal was announced in december 2023. for a bank this size, integration does not need to fail spectacularly to be a drag.
if costs linger or timelines slip, the expected operating lift gets delayed while investors keep waiting.
about 85% of the reported revenue mix here comes from spread income. if the margin slides and fee income stays at $13.1M, earnings do not have many places to hide.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest margin versus the 3.90–4.00% target
this is the operating heartbeat. if the margin lands below the range, the cheap multiple probably stays cheap.
trend
loan growth against the 5% plan
management is asking the market to believe in steady expansion, not a turnaround. watch whether the loan book actually grows at that pace.
calendar
q1 2026 earnings report
expected on or around april 28, 2026. the current consensus in the page data is $1.03 EPS.
risk
Codorus Valley integration progress
the merger was announced in december 2023. any update on timing, costs, or synergies that actually show up in numbers matters.
Analyst rankings
earnings predictability
50 / 100
in human-speak, analysts do not see this as a smooth earnings machine.
risk rank
2
that points to lower overall risk than most stocks, which is normal for a working bank with a decent balance sheet.
price stability
70 / 100
the stock has been steadier than many small caps, but steadier does not mean immune.
source: institutional data
Institutional activity
institutional ownership data for ORRF is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$37
current price
n/a
target midpoint · n/a from current
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