US · ORRF
Orrstown Financial Services, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Shippensburg, PA 17257
- Website
- orrstown.com
Price · as of 2024-12-31
$37.19
Market cap 700.79M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $36.21 | -2.64% |
| Intrinsic Value(DCF) | $46.99 | +26.35% |
| Graham-Dodd Method(GD) | $24.47 | -34.21% |
| Graham Formula(GF) | $102.16 | +174.71% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $18.33 | $32.70 | $19.15 | $18.67 | $49.00 |
| 2011 | $6.43 | $13.13 | $10.99 | $0.00 | $0.00 |
| 2012 | $10.86 | $85.61 | $26.68 | $0.00 | $58.72 |
| 2013 | $12.25 | $25.59 | $33.24 | $17.48 | $0.00 |
| 2014 | $12.46 | $81.42 | $39.24 | $33.66 | $44.34 |
| 2015 | $12.82 | $59.29 | $41.63 | $17.88 | $9.37 |
| 2016 | $15.38 | $31.37 | $46.93 | $15.41 | $12.16 |
| 2017 | $18.74 | $29.24 | $56.59 | $16.34 | $23.24 |
| 2018 | $14.80 | $32.76 | $55.57 | $19.03 | $44.05 |
| 2019 | $14.72 | $58.60 | $457.28 | $18.89 | $76.39 |
| 2020 | $19.87 | $21.86 | $243.77 | $22.45 | $31.69 |
| 2021 | $20.68 | $20.40 | $54.75 | $26.73 | $12.33 |
| 2022 | $19.92 | $25.86 | $42.58 | $18.61 | $37.75 |
| 2023 | $25.11 | $36.61 | $51.95 | $28.76 | $126.36 |
| 2024 | $30.84 | $36.21 | $1,007.12 | $24.47 | $102.16 |
AI valuation
Our deep-learning model estimates Orrstown Financial Services, Inc.'s (ORRF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $36.21
- Current price
- $37.19
- AI upside
- -2.64%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$46.99
+26.35% upside
Graham-Dodd
$24.47
-34.21% upside
Graham Formula
$102.16
+174.71% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ORRF | Orrstown Financial Servic… | $37.19 | 700.79M | -3% | +26% | -34% | +175% | 20.65 | 0.88 | 1.60 | -11.03 | — | 1.14 | 61.20% | 9.79% | 7.76% | 5.64% | -9.07% | 0.52% | 0.41 | 0.30 | 0.24 | 0.24 | -1.04 | -5673.00% | 6299.00% | -1939.00% | 7.33% | 0.01 | -13.73% | 2.89% | 59.80% | 37.07% | -14.87 | -12.39 | -1.46 | -0.63 |
| BCAL | Southern California Banco… | $18.31 | 591.83M | +194% | +14% | +30% | +249% | 9.53 | 1.04 | 2.58 | 4.39 | 1.23 | 1.34 | 79.37% | 37.75% | 27.06% | 11.59% | 16.62% | 1.56% | 0.12 | 1.55 | 0.24 | 0.24 | 0.22 | 77727.00% | 2623.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 1.31% | 4.39 | — | 1.66 | 0.02 |
| CAC | Camden National Corporati… | $46.16 | 781.13M | +11% | +40% | -50% | +83% | 10.94 | 1.09 | 2.00 | 4.79 | 50.00 | 1.33 | 59.41% | 22.59% | 18.29% | 10.33% | 18.19% | 0.92% | 1.03 | 0.56 | 0.15 | 0.15 | 4.76 | 2189.00% | 1574.00% | -1469.00% | 9.54% | 0.01 | 19.00% | 4.23% | 46.30% | 21.78% | 5.07 | 6.00 | 1.15 | -0.62 |
| CCBG | Capital City Bank Group, … | $42.85 | 731.31M | -22% | -26% | -39% | +7% | 11.33 | 1.21 | 2.29 | 2.52 | 695.66 | 1.49 | 84.84% | 25.00% | 20.18% | 11.22% | 52.59% | 1.23% | 0.17 | 1.84 | 0.13 | 0.13 | 0.16 | 163.00% | 673.00% | 1498.00% | 9.15% | 0.02 | 55.89% | 2.49% | 28.20% | 2.87% | 2.82 | 3.37 | 0.71 | -0.53 |
| GSBC | Great Southern Bancorp, I… | $61.53 | 688.48M | +41% | -23% | +41% | -51% | 10.09 | 1.13 | 2.09 | 3.38 | 57.04 | 1.14 | 66.93% | 25.43% | 20.67% | 11.49% | 18.06% | 1.23% | 0.64 | 0.77 | 2.54 | 2.54 | 3.52 | 1768.00% | -337.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.38 | — | 0.86 | 0.46 |
| HTBK | Heritage Commerce Corp | $12.43 | 765.19M | +275% | +1% | -68% | -39% | 14.41 | 0.85 | 2.32 | -9.98 | — | 1.13 | 67.71% | 22.54% | 16.12% | 5.95% | -12.80% | 0.75% | 0.06 | 0.72 | 0.25 | 0.25 | -15.42 | -3714.00% | 335.00% | -4765.00% | 6.39% | 0.01 | -11.79% | 5.45% | 78.60% | 101.31% | -10.60 | -16.08 | -2.39 | -0.57 |
| IBCP | Independent Bank Corporat… | $34.75 | 719.05M | +17% | -26% | -37% | +75% | 9.56 | 1.40 | 2.02 | 6.64 | 72.10 | 1.69 | 66.92% | 26.25% | 21.11% | 15.55% | 112.83% | 1.26% | 0.27 | 0.83 | 0.03 | 0.03 | 0.05 | 1326.00% | 1145.00% | -2065.00% | 8.64% | 0.01 | 93.25% | 3.14% | 30.00% | 3.14% | 7.44 | 11.19 | 1.95 | -0.77 |
| MCBS | MetroCity Bankshares, Inc… | $28.10 | 809.79M | +75% | +6% | -40% | +78% | 10.75 | 1.65 | 2.96 | 9.11 | 43.44 | 1.65 | 59.36% | 37.25% | 27.52% | 16.07% | 11.65% | 1.82% | 0.91 | 0.92 | 0.10 | 0.10 | 1.62 | 2475.00% | 1196.00% | -1938.00% | 8.97% | 0.02 | 11.24% | 3.04% | 32.60% | 9.77% | 9.42 | 13.22 | 3.51 | -0.41 |
| MPB | Mid Penn Bancorp, Inc. | $32.17 | 741.27M | -6% | +25% | +3% | +151% | 9.00 | 0.68 | 1.45 | 3.18 | 33.80 | 0.85 | 56.94% | 19.57% | 16.12% | 8.26% | 9.72% | 0.92% | 0.12 | 0.46 | 0.07 | 0.07 | 0.42 | 2664.00% | 2057.00% | -1029.00% | 9.99% | 0.01 | 8.74% | 3.11% | 28.00% | 58.93% | 3.54 | 4.78 | 0.69 | -0.76 |
| NBBK | NB Bancorp, Inc. Common S… | $21.34 | 803.4M | +72% | -16% | +16% | +75% | 16.85 | 0.93 | 2.34 | 8.54 | 4.61 | 0.93 | 52.82% | 19.28% | 13.86% | 5.53% | 6.28% | 0.87% | 0.16 | 0.45 | 0.08 | 0.08 | -1.47 | 36522.00% | 2801.00% | -1756.00% | 5.81% | 0.01 | 6.15% | 0.00% | 0.00% | 39.88% | 8.97 | 12.75 | 1.73 | -0.62 |
| THFF | First Financial Corporati… | $63.36 | 750.85M | +78% | -16% | +26% | +48% | 9.70 | 1.18 | 2.35 | -0.29 | 14.47 | 1.43 | 77.68% | 30.44% | 24.26% | 13.20% | -77.42% | 1.40% | 0.74 | 1.31 | 4.47 | 4.47 | 3.23 | 6700.00% | 616.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.31 | — | -0.10 | 0.60 |
About Orrstown Financial Services, Inc.
Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits. It 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 comprising home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, the company provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as provides other fiduciary services under the Orrstown Financial Advisors name; and offers retail brokerage services through a third-party broker/dealer arrangement. Further, it offers investment advisory, insurance, and brokerage services. The company operates through offices in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York counties, Pennsylvania; and Anne Arundel, Baltimore, Howard, and Washington counties, Maryland, as well as Baltimore City, Maryland. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania.
- CEO
- Thomas Rodney Quinn Jr.
- Employees
- 607
- Beta
- 0.81
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($46.99 ÷ $37.19) − 1 = +26.35% (DCF, example).