Orrstown Financial Services Stock Today

ORRF Stock  USD 26.02  0.06  0.23%   

Performance

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Odds Of Distress

Less than 8

 
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Low
Orrstown Financial is trading at 26.02 as of the 23rd of April 2024. This is a 0.23% increase since the beginning of the trading day. The stock's lowest day price was 25.99. Orrstown Financial has only a 8 % chance of going through financial distress over the next few years, but has generated negative returns over the last 90 days. Equity ratings for Orrstown Financial Services are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 24th of March 2024 and ending today, the 23rd of April 2024. Click here to learn more.
Business Domain
Banks
IPO Date
13th of May 1999
Category
Financial Services
Classification
Financials
Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania. The company has 10.7 M outstanding shares of which 123.55 K shares are now shorted by private and institutional investors with about 3.55 trading days to cover. More on Orrstown Financial Services

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Orrstown Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. Orrstown Financial's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding Orrstown Financial or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
CEOThomas Quinn
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Analysts covering Orrstown Financial report their recommendations after researching Orrstown Financial's financial statements, talking to executives and customers, or listening in on Orrstown Financial's conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering Orrstown Financial. The Orrstown consensus assessment is calculated by taking the average forecast from all of the analysts covering Orrstown Financial.
Financial Strength
Based on the analysis of Orrstown Financial's profitability, liquidity, and operating efficiency, Orrstown Financial Services is not in a good financial situation at this time. It has a very high probability of going through financial hardship in May. Financial strength of Orrstown Financial is based on its profitability, leverage, liquidity, source of funds, and operating efficiency.
Current ValueLast YearChange From Last Year 10 Year Trend
Asset Turnover0.0310.0573
Way Down
Very volatile
Total Current Liabilities1.6 B1.6 B
Sufficiently Up
Slightly volatile
Non Current Liabilities Total1.3 B1.2 B
Sufficiently Up
Slightly volatile
Total Assets3.2 B3.1 B
Sufficiently Up
Slightly volatile
Total Current Assets74.9 M78.8 M
Notably Down
Slightly volatile
Total Cash From Operating Activities40.8 M38.8 M
Sufficiently Up
Slightly volatile
Orrstown Financial's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to Orrstown Financial's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Orrstown Financial's financial leverage. It provides some insight into what part of Orrstown Financial's total assets is financed by creditors.
By using current balance sheet information, investors can analyze the liability, assets, and equity on Orrstown Financial's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how Orrstown Financial deploys its capital and how much of that capital is borrowed.
Liquidity
Orrstown Financial cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company currently holds 190.99 M in liabilities with Debt to Equity (D/E) ratio of 0.18, which may suggest the company is not taking enough advantage from borrowing. Debt can assist Orrstown Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Orrstown Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Orrstown Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Orrstown to invest in growth at high rates of return. When we think about Orrstown Financial's use of debt, we should always consider it together with cash and equity.

Change In Working Capital

(3.23 Million)
Orrstown Financial Services (ORRF) is traded on NASDAQ Exchange in USA. It is located in 77 East King Street, Shippensburg, PA, United States, 17257 and employs 410 people. Orrstown Financial is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a current market capitalization of 278.53 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Orrstown Financial's market, we take the total number of its shares issued and multiply it by Orrstown Financial's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. Orrstown Financial conducts business under Banks sector and is part of Financials industry. The entity has 10.7 M outstanding shares of which 123.55 K shares are now shorted by private and institutional investors with about 3.55 trading days to cover. Orrstown Financial Services currently holds about 66.93 M in cash with 38.84 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 6.26.
Check Orrstown Financial Probability Of Bankruptcy
Ownership Allocation
The market capitalization of Orrstown Financial is $278.53 Million. 30% of Orrstown Financial Services outstanding shares are owned by third-party entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the company is less than the current market value, you may not be able generate positive returns on investment in the long run.
Check Orrstown Ownership Details

Orrstown Stock Price Odds Analysis

In reference to a normal probability distribution, the odds of Orrstown Financial jumping above the current price in 90 days from now is about 68.79%. The Orrstown Financial Services probability density function shows the probability of Orrstown Financial stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days the stock has a beta coefficient of 1.3628. This indicates as the benchmark fluctuates upward, the company is expected to outperform it on average. However, if the benchmark returns are projected to be negative, Orrstown Financial will likely underperform. Additionally, orrstown Financial Services has a negative alpha, implying that the risk taken by holding this instrument is not justified. The company is significantly underperforming the NYSE Composite.
  Odds Below 26.02HorizonTargetOdds Above 26.02
30.94%90 days
 26.02 
68.79%
Based on a normal probability distribution, the odds of Orrstown Financial to move above the current price in 90 days from now is about 68.79 (This Orrstown Financial Services probability density function shows the probability of Orrstown Stock to fall within a particular range of prices over 90 days) .

Orrstown Stock Institutional Holders

Institutional Holdings refers to the ownership stake in Orrstown Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Orrstown Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Orrstown Financial's value.
InstituionRecorded OnShares
Northern Trust Corp2023-12-31
84.3 K
Acadian Asset Management Llc2023-12-31
77.2 K
Bank Of New York Mellon Corp2023-12-31
70.6 K
American Century Companies Inc2023-12-31
64.6 K
Fourthstone Llc2023-09-30
61.3 K
Wellington Management Company Llp2023-12-31
53 K
Jpmorgan Chase & Co2023-12-31
52.3 K
Bridgeway Capital Management, Llc2023-12-31
52.1 K
Goldman Sachs Group Inc2023-12-31
45.5 K
Blackrock Inc2023-12-31
791.7 K
Fmr Inc2023-12-31
562.8 K
View Orrstown Financial Diagnostics

Orrstown Financial Historical Income Statement

Orrstown Financial Services Income Statement is one of the three primary financial statements used for reporting Orrstown's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of Orrstown Financial revenue and expense. Orrstown Financial Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At this time, Orrstown Financial's Total Revenue is most likely to increase significantly in the upcoming years. The Orrstown Financial's current Gross Profit is estimated to increase to about 178.4 M, while EBIT is forecasted to increase to (1.8 M). View More Fundamentals

Orrstown Stock Against Markets

Picking the right benchmark for Orrstown Financial stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in Orrstown Financial stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for Orrstown Financial is critical whether you are bullish or bearish towards Orrstown Financial Services at a given time. Please also check how Orrstown Financial's historical prices are related to one of the top price index indicators.

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Our tools can tell you how much better you can do entering a position in Orrstown Financial without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Orrstown Financial Corporate Directors

Orrstown Financial corporate directors refer to members of an Orrstown Financial board of directors. The board of directors generally takes responsibility for the Orrstown Financial's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of Orrstown Financial's board members must vote for the resolution. The Orrstown Financial board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Mark KellerIndependent DirectorProfile
Gregory RosenberryIndependent DirectorProfile
Eric SegalDirectorProfile
Cindy JoinerDirectorProfile

How to buy Orrstown Stock?

Before investing in Orrstown Financial, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in Orrstown Financial. To buy Orrstown Financial stock, you can follow these steps:
  • Choose a brokerage firm: You need to select a brokerage firm to buy shares of Orrstown Financial. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
  • Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
  • Fund your account: You will need to deposit funds into your brokerage account to purchase Orrstown Financial stock. You can do this by transferring funds from your bank account or other investment accounts.
  • Place your order: Once you have located Orrstown Financial Services stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
  • Monitor your investment: After you have purchased Orrstown Financial Services stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as Orrstown Financial Services, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy Orrstown Stock please use our How to Invest in Orrstown Financial guide.

Already Invested in Orrstown Financial Services?

The danger of trading Orrstown Financial Services is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Orrstown Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Orrstown Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Orrstown Financial is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether Orrstown Financial is a strong investment it is important to analyze Orrstown Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Orrstown Financial's future performance. For an informed investment choice regarding Orrstown Stock, refer to the following important reports:
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Orrstown Financial Services. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in metropolitan statistical area.
You can also try the Price Exposure Probability module to analyze equity upside and downside potential for a given time horizon across multiple markets.

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When running Orrstown Financial's price analysis, check to measure Orrstown Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Orrstown Financial is operating at the current time. Most of Orrstown Financial's value examination focuses on studying past and present price action to predict the probability of Orrstown Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Orrstown Financial's price. Additionally, you may evaluate how the addition of Orrstown Financial to your portfolios can decrease your overall portfolio volatility.
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Is Orrstown Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Orrstown Financial. If investors know Orrstown will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Orrstown Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.18)
Dividend Share
0.8
Earnings Share
3.42
Revenue Per Share
12.464
Quarterly Revenue Growth
(0.03)
The market value of Orrstown Financial is measured differently than its book value, which is the value of Orrstown that is recorded on the company's balance sheet. Investors also form their own opinion of Orrstown Financial's value that differs from its market value or its book value, called intrinsic value, which is Orrstown Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Orrstown Financial's market value can be influenced by many factors that don't directly affect Orrstown Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Orrstown Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Orrstown Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Orrstown Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.