Orrstown Financial Services Inc. Common Stock (ORRF)

FairStock Score: 72/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Orrstown Financial is a $810 million market-cap regional bank holding company. It gathers deposits and lends, mostly commercially, a plain business with limited pricing power; the moat is local relationships and regulatory barriers, not a wide franchise. The filed numbers are eye-catching. In fiscal 2025, the year ended 2025-12-31, net income was $80.9 million and diluted EPS $4.18, up from $22.1 million and $1.48 in fiscal 2024. Fiscal 2023 had $35.7 million and $3.42, so earnings are lumpy. Recent quarters are steadier: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $21.2 million and diluted EPS $1.09; fiscal Q1 2026 had $21.8 million and $1.12; fiscal Q3 2025 had $21.9 million and $1.13. At the 2026-10-13 close of $41.18, FairStock calculates a P/E of 9.25, P/B of 1.30, ROE of 14.75%, and PEG of 0.16. A 2.92% dividend and beta of 0.68 add appeal. FairStock's Lynch rules call it a FAST GROWER, citing 25.0% yearly profit growth and 17.7% revenue growth over five years. However, the Piotroski F-score is 3/9, D/E is N/A, and key bank measures — CET1, net interest margin, nonperforming loans, reserves, charge-offs — are not in the data. Combined ratio does not apply to a bank. I cannot confirm underwriting quality or capital adequacy. So this looks like a cheap, fast-growing regional bank with real momentum, but the investment case depends on credit being cleaner than the missing data allows me to verify.

In plain English: Orrstown is a small regional bank that takes deposits and makes loans to businesses and individuals. The business looks reasonably strong: recent quarterly profits have been steady, and the bank earns a solid profit relative to its net worth. At $41.18, the price looks modest compared with yearly profit and a little above accounting value, so it does not look expensive, but weak financial-strength checks and missing loan-quality details are cautions.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer