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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2157
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$657M
Thomas R. Quinn
Orrstown Financial Services, Inc. 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.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = ORRF ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$ORRF ORRSTOWN FINANCIAL SERVICES INC | 49 | 30 | 45 | 60 | 14.4x | 9.2x | 9.0% | 0.9% | 0.0% | 21.8% | 17.2% | 78.2% | 3.0% | 856.0x | $657M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
ORRSTOWN FINANCIAL SERVICES INC (ORRF) receives a "Reduce" rating with a composite score of 49.0/100. It ranks #2157 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for ORRF.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 32 | -2NEUTRAL |
| MOMENTUM | 60 | 66 | -6DRAG |
| VALUATION | 45 | 55 | -10DRAG |
| INVESTMENT | 44 | 85 | -41DRAG |
| STABILITY | 58 | 64 | -6DRAG |
| SHORT INT | 62 | 77 | -15DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 7.5% vs WACC 8.6% (spread -1.2%)
GM 0% vs sector 78%, OM 22% vs sector 18%
Capital turnover 0.42x
Rev growth 78%, 10yr history
Interest coverage 1.1x, Net debt/EBITDA 5.9x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate ORRSTOWN FINANCIAL SERVICES INC (ORRF) as a Reduce with a composite score of 49.0/100 at a current price of $36.16. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
ORRSTOWN FINANCIAL SERVICES INC holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 49.0/100 places it at rank #2157 in our full universe.
The near-term outlook is constructive, with revenue growing at 78% and momentum in the 60th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Poor
Fair Value
Stable competitive position in a defensive sector.
Leverage of 856% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
ORRSTOWN FINANCIAL SERVICES INC represents a reduce based on multi-factor quantitative performance.
ORRSTOWN FINANCIAL SERVICES INC receives a Reduce rating from our analysis, with a composite score of 49.0/100 and 2 out of 5 stars, ranking #2157 out of 7,333 stocks. ORRF's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
ORRF's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 9.0% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 17.2% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 45/100, ORRF appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 14.43x, an EV/EBITDA of 9.22x, a P/B ratio of 1.30x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 44/100, ORRF exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 78.2% vs. a sector average of 10.7% and a return on assets of 0.9% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
ORRF demonstrates moderate momentum with a score of 60/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 78.2% year-over-year, while a beta of 0.71 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 58/100, ORRF exhibits average financial resilience. Key stability metrics include a beta of 0.71 and a debt-to-equity ratio of 856.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
ORRF carries a short interest score of 62/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 856.00x), small-cap liquidity risk. At $657M market cap (small-cap), ORRSTOWN FINANCIAL SERVICES INC offers reasonable institutional liquidity.
ORRF pays a solid dividend yield of 3.0%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
ORRSTOWN FINANCIAL SERVICES INC is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2157 of 7,333 overall (71st percentile). Key comparisons include ROE of 9.0% trailing the 9.0% sector median and operating margins of 21.8% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While ORRF currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Quality (30) would have the largest impact on the composite score.
EV/EBITDA 19% ABOVE SECTOR MEDIAN
ROE IN LINE WITH SECTOR BENCHMARKS
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Orrstown Financial Services, Inc. ( NASDAQ:ORRF ) has announced that it will be increasing its dividend from last...
Orrstown Financial Services, Inc. ( NASDAQ:ORRF ) has announced that it will be increasing its dividend from last...
Operator: Good morning. My name is Sarah, and I will be your conference operator today. At this time, I would like to welcome everyone to the Orrstown Financial Services, Inc.
As February 2026 begins, U.S. stock markets have shown a robust start with major indexes like the Dow Jones and S&P 500 posting significant gains, reflecting investor optimism amid evolving economic conditions such as new trade deals and manufacturing growth. In this dynamic market environment, dividend stocks can offer stability and income potential, making them an attractive consideration for investors looking to balance growth with reliable returns.
Orrstown (ORRF) delivered earnings and revenue surprises of 20.55% and 4.69%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?