ORRF

Orrstown Financial Services, Inc.

Financial Services · $801M market cap

Share price

$41.67

close of Oct 3, 2026

Fair value

$54.02

Sticker Price

Payback Price

$21.61

buy price

Undervalued

ORRF is Undervalued: at $41.67 it trades 23% below its fair value of $54.02. Its buy price (Payback Price) is $21.61, 48% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth7.0% a year✗

Equity per share growth4.4% a year✗

Sales growth7.0% a year✗

Free cash flow growth8.8% a year✗

Return on invested capital11.2%✓

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Insider activity

Since Jul 1, 2026: no open-market purchases, 2 sales worth $234K and 9 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Rice Michael John

director · 2026-08-06

Sold

$109K

DOLL AMY

EVP, Chief Admin. Officer · 2026-07-27

Sold

$125K

Other filings

ZULLINGER JOEL R

director · 2026-07-30

G-Gift

$5K

DOLL AMY