📊 ORRF Key Takeaways
Is Orrstown Financial Services Inc. (ORRF) a Good Investment?
Core revenue collapsed 87.8% YoY, suggesting fundamental deterioration in the banking business despite one-time gains boosting net income. The highly suspicious margin expansion and earnings growth in the face of severe revenue contraction indicate non-operating or non-sustainable income sources masking operational decline.
Why Buy Orrstown Financial Services Inc. Stock? ORRF Key Strengths
- Solid balance sheet with low debt-to-equity ratio (0.07x) indicating minimal financial leverage
- Positive free cash flow of 70.5M demonstrates liquidity despite revenue challenges
- Reasonable ROE of 13.7% provides some earnings return on shareholder capital
ORRF Stock Risks: Orrstown Financial Services Inc. Investment Risks
- Catastrophic 87.8% year-over-year revenue decline signals severe deterioration in core banking business
- Earnings quality highly questionable - net income growth of 266.7% paired with revenue collapse suggests one-time gains rather than sustainable operations
- Abnormally high operating and net margins (276.3% and 217.7%) are unsustainable and indicate accounting distortions unrelated to core operations
- For a commercial bank, persistent revenue decline threatens long-term viability of the institution
Key Metrics to Watch
- Net interest income trend and core lending revenue growth
- Sources of non-interest income to determine if gains are repeatable
- Loan portfolio quality and non-performing loan ratios
- Deposit growth and customer relationship trends
Orrstown Financial Services Inc. (ORRF) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 189.8% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
ORRF Profit Margin, ROE & Profitability Analysis
ORRF vs Finance Sector: How Orrstown Financial Services Inc. Compares
How Orrstown Financial Services Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Orrstown Financial Services Inc. Stock Overvalued? ORRF Valuation Analysis 2026
Based on fundamental analysis, Orrstown Financial Services Inc. appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Orrstown Financial Services Inc. Balance Sheet: ORRF Debt, Cash & Liquidity
ORRF Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Orrstown Financial Services Inc.'s revenue has grown significantly by 96% over the 5-year period, indicating strong business expansion. The most recent EPS of $3.42 reflects profitable operations.
ORRF Revenue Growth, EPS Growth & YoY Performance
Orrstown Financial Services Inc. Dividends, Buybacks & Capital Allocation
ORRF SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Orrstown Financial Services Inc. (CIK: 0000826154)
📋 Recent SEC Filings
❓ Frequently Asked Questions about ORRF
What is the AI rating for ORRF?
Orrstown Financial Services Inc. (ORRF) has an AI rating of SELL with 80% confidence, based on fundamental analysis of SEC EDGAR filings.
What are ORRF's key strengths?
Claude: Solid balance sheet with low debt-to-equity ratio (0.07x) indicating minimal financial leverage. Positive free cash flow of 70.5M demonstrates liquidity despite revenue challenges.
What are the risks of investing in ORRF?
Claude: Catastrophic 87.8% year-over-year revenue decline signals severe deterioration in core banking business. Earnings quality highly questionable - net income growth of 266.7% paired with revenue collapse suggests one-time gains rather than sustainable operations.
What is ORRF's revenue and growth?
Orrstown Financial Services Inc. reported revenue of $37.1M.
Does ORRF pay dividends?
Orrstown Financial Services Inc. pays dividends, with $20.6M distributed to shareholders in the trailing twelve months.
Where can I find ORRF SEC filings?
Official SEC filings for Orrstown Financial Services Inc. (CIK: 0000826154) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ORRF's EPS?
Orrstown Financial Services Inc. has a diluted EPS of $4.18.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is ORRF a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Orrstown Financial Services Inc. has a SELL rating with 80% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is ORRF stock overvalued or undervalued?
Valuation metrics for ORRF: ROE of 13.7% (sector avg: 12%), net margin of 217.7% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy ORRF stock in 2026?
Our dual AI analysis gives Orrstown Financial Services Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is ORRF's free cash flow?
Orrstown Financial Services Inc.'s operating cash flow is $74.7M, with capital expenditures of $4.2M. FCF margin is 189.8%.
How does ORRF compare to other Finance stocks?
Vs Finance sector averages: Net margin 217.7% (avg: 25%), ROE 13.7% (avg: 12%), current ratio N/A (avg: 1.2).