Orrstown Financial Services, Inc. (ORRF) Stock Score, Valuation & Financial Research
Orrstown Financial Services, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 68/100.
Quick answer for ORRF
Orrstown Financial Services, Inc. currently has a Wall Street Score of 68/100. The stored market price is $42. Its financial score is 44/100. Its valuation score is 100/100. These figures are a research snapshot, not a buy or sell recommendation.
What Orrstown Financial Services, Inc. does
Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles
ORRF financial snapshot
- Wall Street Score:
- 68/100
- Current price:
- $42
- Market capitalization:
- $825.2M
- Revenue:
- $358.7M
- Net income:
- $86.3M
- Free cash flow:
- $70.5M
- Cash:
- $58.3M
- Total debt:
- $282.4M
- EPS:
- 4.21
- P/E ratio:
- 10.0x
- Financial score:
- 44/100
- Valuation score:
- 100/100
- Revenue score:
- 46/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $70.5M, showing positive cash generation.
- The balance sheet shows $58.3M of cash versus $282.4M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 44/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research ORRF
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.