Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Why ORRF Stock slipped -1.17% Today — RQD Quant Desk Flash
Orrstown Financial Services Inc. (ORRF) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 14% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
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Is ORRF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Orrstown Financial Services Inc. (NASDAQ: ORRF) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $43.92 (-1.17% 1D, market cap $863.9M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, ORRF ranks #58 in composite RQD confidence.
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How does ORRF compare to MPB and CCBG in the Financials sector?
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Within the Financials sector (Major Banks), ORRF carries a Roarable B (73/100 RQD), trailing P/E of 10.8x, gross margin of —, and ROIC of 13.7%. By comparison, MPB (Mid Penn Bancorp) holds a D+ grade (57/100 RQD, P/E 15.4x, ROIC 6.9%, cap $860.4M) and CCBG (Capital City Bank Group) posts a B- grade (70/100 RQD, P/E 14.2x, ROIC 11.1%, cap $870.4M). Among the 5-stock peer group, ORRF leads on earnings multiple (10.8x) while ORRF leads on capital efficiency (13.7% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for ORRF?
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Per ORRF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000826154), Orrstown Financial Services Inc. generated $37.1M in revenue (+36.0% YoY), $80.9M in net income, and $70.5M in free cash flow against $5.54B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
SEC XBRL FY 2025 (10-K): 189.8% FCF Margin ($70.5M FCF) & 52% Gross Margin
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
⚔️ Adversarial Opposing Case: Why the ORRF Bull Thesis Could Fail
Even with a 73/100 (B) score, ORRF faces multiple-compression risk if 10.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($42.20) or 200D SMA ($39.30) invalidates the momentum regime and cuts Target Base ($46.88) toward Bear Floor ($36.01).
Why ORRF Stock slipped -1.17% Today — RQD Quant Desk Flash
Orrstown Financial Services Inc. (ORRF) slipped -1.17% to $43.92, trading at 89% of its 52-week range ($32.5 – $45.4). High-quality cash engine (steady margins, 14% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 89% of its 52-week range ($32.5 – $45.4) with RSI-14 at 59.1 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.3% around $43.92 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B (Buy) backed by 52% gross margin and $70.5M annual free cash flow.
Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
GlobeNewswire report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Get a weekly dividend summary for Champions, Contenders, and Challengers.
The bank's organic loan growth is now replacing merger-related income, a shift that tests whether it can sustain profitable growth on its own.
Net income rose to $22.8 million as efficiency improved and loan growth accelerated.
Scheduled RQD Strong Buys & Whale Accumulation Briefing (ORRF Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
ORRF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +36.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ORRF today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ORRF. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ORRF)
1. Head-to-Head Financials Peer Comparison (ORRF vs. MPB, CCBG, GSBC, FCBC)
Industry: Major Banks (248 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Orrstown Financial Services Inc. (ORRF) ranks #58 by composite RQD confidence (73/100, grade B) and #581 by equity capitalization ($863.9M). Within this direct 5-issuer industry benchmark cohort, ORRF leads on earnings valuation at 10.8x trailing P/E, while ORRF leads on capital efficiency and profitability with 13.7% ROIC and — gross margin. ORRF currently leads its immediate peer cohort in composite quantitative strength at 73/100 (B).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| ORRF
ACTIVE
Orrstown Financial Services Inc. | B | 73/100 | 10.8x | — | 13.7% | -1.17% | $863.9M | Benchmark Subject |
| MPB Mid Penn Bancorp | D+ | 57/100 | 15.4x | — | 6.9% | -0.96% | $860.4M | /mpb-vs-orrf → |
| CCBG Capital City Bank Group | B- | 70/100 | 14.2x | — | 11.1% | -0.62% | $870.4M | /ccbg-vs-orrf → |
| GSBC Great Southern Bancorp Inc. | B- | 70/100 | 12.4x | — | 11.2% | -0.96% | $873.4M | /gsbc-vs-orrf → |
| FCBC First Community Bankshares Inc. (VA) | D+ | 57/100 | 72.8x | — | 2.4% | +1.43% | $887.7M | /fcbc-vs-orrf → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000826154In its most recent audited fiscal period (FY2025, filed 2025-12-31), Orrstown Financial Services Inc. (ORRF) reported GAAP revenue of $37.1M (+36.0% vs. FY2024 revenue of $27.3M , and +90.7% cumulative change since FY2023) , GAAP net income of $80.9M, operating cash flow of $74.7M, and free cash flow of $70.5M (+111.2% YoY). On the balance sheet, ORRF closed FY2025 with $5.54B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $37.1M | $80.9M | $74.7M | $70.5M | $5.54B | — |
| FY2024 (FY) | 2024-12-31 | $27.3M | $22.1M | $35.0M | $33.4M | $5.44B | — |
| FY2023 (FY) | 2023-12-31 | $19.5M | $35.7M | $43.7M | $43.7M | — | — |
3. ORRF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs ORRF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, Orrstown Financial Services Inc. (NASDAQ: ORRF) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $43.92 (-1.17% 1D, market cap $863.9M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, ORRF ranks #58 in composite RQD confidence.
How does ORRF compare to MPB and CCBG in the Financials sector?
Within the Financials sector (Major Banks), ORRF carries a Roarable B (73/100 RQD), trailing P/E of 10.8x, gross margin of —, and ROIC of 13.7%. By comparison, MPB (Mid Penn Bancorp) holds a D+ grade (57/100 RQD, P/E 15.4x, ROIC 6.9%, cap $860.4M) and CCBG (Capital City Bank Group) posts a B- grade (70/100 RQD, P/E 14.2x, ROIC 11.1%, cap $870.4M). Among the 5-stock peer group, ORRF leads on earnings multiple (10.8x) while ORRF leads on capital efficiency (13.7% ROIC).
What are the biggest fundamental strengths and SEC risk factors for ORRF?
Per ORRF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000826154), Orrstown Financial Services Inc. generated $37.1M in revenue (+36.0% YoY), $80.9M in net income, and $70.5M in free cash flow against $5.54B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is ORRF trading relative to its 50-day, 200-day, and 52-week technical levels?
ORRF last traded at $43.92 (-1.17% on volume of 94,627 shares), positioning the stock +4.08% above its 50-day simple moving average ($42.20) and +11.76% above its 200-day simple moving average ($39.30). Across its 52-week range of $32.50 to $45.40, ORRF sits at the 88.5% percentile with a 14-day RSI of 59.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($41.59 to $46.25).
ORRF Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is ORRF stock moving today?
Why ORRF Stock slipped -1.17% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 14% return on capital) with steady institutional support.
ORRF — Orrstown Financial Services Inc.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, ORRF scores 73 out of 100, earning a B grade and the verdict label "Roarable Buy — Good Risk/Reward." The five pillars are:
- Fundamental cash engine: 15 / 20. Per the RQD rating, this pillar reflects ROIC of 13.7% and an FCF yield of 8.07%. These are the strongest quantitative supports for the stock's cash-generation case.
- Whale 13F flow: 14 / 20. Per the RQD rating, this pillar reflects institutional accumulation and options positioning. The source does not provide the underlying 13F holder data (see Analyst View section), so the score cannot be traced to specific filers.
- Insider conviction: 17 / 20. Per the RQD rating, this is the highest-scoring pillar, based on SEC Form 4 and Congressional PTR cluster flow. The source data does not itemize these trades, so investors should verify the underlying filings directly.
- Macro regime fit: 14 / 20. Per the RQD rating, this pillar reflects a beta of 1.0 and sector sensitivity. A beta of 1.0 implies the stock is expected to move roughly in line with the broad market, neither dampening nor amplifying market swings.
- Forensic balance sheet: 13 / 20. Per the RQD rating, this pillar reflects an Altman Z-Score of 2.5, a Piotroski F-Score of 5/9, and a Debt/Equity ratio of 0.5. This is the weakest pillar relative to the others, suggesting balance-sheet quality is adequate rather than exceptional.
Taken together, the rating points to a stock whose valuation and insider signals are the main upside drivers, while balance-sheet forensics are the area most deserving of caution. Per the market data, the trailing P/E of 10.8 and forward P/E of 9.1 suggest a valuation tradeoff: a lower multiple may reflect a discount relative to earnings, but the source data does not provide peer comparisons to confirm whether that discount is warranted. The 52-week range of $32.5 – $45.4 places the current price of $44.44 near the top of that range, so much of the recent price appreciation is already reflected in the quote. This is an analytical summary, not personalized financial advice.
Business
Orrstown Financial Services Inc. (ORRF) is a NASDAQ-listed issuer classified in the Financials sector and Major Banks industry, per the profile. The source data does not describe its products, customer base, or revenue model beyond this classification. Market capitalization is $0.9B per the profile. Specific details on how the company makes money are not available in source data.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $37.1M | $0.0M | $80.9M | N/A | $70.5M | N/A | N/A |
| FY 2024 | $27.3M | $0.0M | $22.1M | N/A | $33.4M | N/A | N/A |
| FY 2023 | $19.5M | $0.0M | $35.7M | N/A | $43.7M | N/A | N/A |
Per the SEC financials, net income moved from $35.7M (FY 2023) to $22.1M (FY 2024) before rising to $80.9M (FY 2025), while free cash flow followed a similar path at $43.7M, $33.4M, and $70.5M. Reported operating income is $0.0M in each period, and the source does not explain this figure, so it should not be read as a meaningful operating result. Per the market data, net margin is 68%, gross and operating margins are each 0%, and ROIC is 13.7%. Per the RQD rating, the forensic balance sheet metrics are an Altman Z-Score of 2.5, a Piotroski F-Score of 5/9, and a Debt/Equity ratio of 0.5. Cash and debt balances are not available in source data.
Recent Catalysts & News Wire Analysis
- Earnings beat (GREEN, CATALYST): A Yahoo Finance headline reports that ORRF beat Q3 earnings and revenue estimates.
- Price reaction (YELLOW, MARKET WIRE): A separate Yahoo Finance headline reports the stock price ignored strong Q3 earnings.
- Quarterly results (YELLOW, MARKET WIRE): A Stock Titan report describes loans rising as deposits fell, with $22.8 million in quarterly profit.
- Earnings presentation (YELLOW, MARKET WIRE): A Seeking Alpha item covers the 2026 Q3 results and earnings call presentation dated 2026-10-22.
- Date announcement (YELLOW, MARKET WIRE): A GlobeNewswire release announces a date related to the third quarter; the headline is truncated in the source.
- Execution report (RED, RISK WATCH): A Simply Wall St report describes the stock rising as Q3 results show strong execution. This item is flagged RED in the source, which is inconsistent with its headline's tone and should be verified.
The Butterfly supply-chain graph lists no supply-chain links and no proprietary signals.
Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples
Per the Butterfly Supply-Chain Graph, the supply chain is recorded as "NONE," with no butterfly links. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore not available in source data. Investors should not infer such relationships from the sector or industry labels alone.
Open Questions
- What are the company's cash and debt balances, and what EPS was reported for each fiscal year?
- Why is reported operating income $0.0M in every period, and what is the actual operating result?
- Which insiders and institutional holders are driving the insider and whale pillar scores, and what are the transaction sizes and dates?
- How does the forward P/E of 9.1 compare with peers in Major Banks, and what explains the discount?
- Is the RED "Risk Watch" flag on the Simply Wall St item a substantive risk or a labeling inconsistency?
ORRF Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Orrstown Financial Services Inc. (ORRF) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
GlobeNewswire report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Get a weekly dividend summary for Champions, Contenders, and Challengers.
ORRF Bull vs. Bear Conversation Board — What's Your Call at $43.92?
🔥 Official Bull vs. Bear Debate: Is ORRF (B • RQD 73/100) a Buy at $44.44?
Welcome to the ORRF (Orrstown Financial Services Inc.) Roar Pit. Current RQD Composite is 73/100 (Roarable Buy — Good Risk/Reward) in Major Banks. Bulls point to capital efficiency (13.7% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on ORRF — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on ORRF, but look at what you are paying: 10.8x trailing P/E with tightening sector spreads. Unless Orrstown Financial Services Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
ORRF cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on ORRF, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $44.44 (52-wk range $32.50 - $45.40), any beat on forward guidance forces shorts and underweight funds to chase.