FCBC (56) CCBG (70) MPB (58) GSBC (72) ⌘ Pro Terminal →

Orrstown Financial Services Inc. (ORRF) — RQD Stock Rating Cockpit

$43.92 -1.17% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $43.93

Orrstown Financial Services Inc. (ORRF) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 14% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate) →

ROARABLE B • BUY Cap $874.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ORRF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ORRF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Orrstown Financial Services Inc. (NASDAQ: ORRF) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $43.92 (-1.17% 1D, market cap $874.1M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, ORRF ranks #66 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ORRF compare to FCBC and CCBG in the Financials sector?

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Within the Financials sector (Major Banks), ORRF carries a Roarable B (73/100 RQD), trailing P/E of 10.8x, gross margin of —, and ROIC of 13.7%. By comparison, FCBC (First Community Bankshares Inc. (VA)) holds a D+ grade (56/100 RQD, P/E 72.8x, ROIC 2.4%, cap $875.2M) and CCBG (Capital City Bank Group) posts a B- grade (70/100 RQD, P/E 14.2x, ROIC 11.1%, cap $875.9M). Among the 5-stock peer group, ORRF leads on earnings multiple (10.8x) while ORRF leads on capital efficiency (13.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ORRF?

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Per ORRF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000826154), Orrstown Financial Services Inc. generated $37.1M in revenue (+36.0% YoY), $80.9M in net income, and $70.5M in free cash flow against $5.54B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $43.93 (+0.03%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 189.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+6.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ORRF)Realized 20D OHLCV Swing Band: ±5.3%

Deterministic 5-Pillar Attribution (73/100 Composite)

🔍 WHY ORRF SCORES 73/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 189.8% FCF Margin ($70.5M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$41.32+0% Next Q

Q2 (-2Q)

Grade B-$41.31+8.1% Next Q

Q3 (-1Q)

Grade B$44.65-1.6% Next Q

Current

Grade B$43.92+7.1% Hist 90D α

Trajectory: C+ (65) → B (73)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ORRF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 73/100 (B) score, ORRF faces multiple-compression risk if 10.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($42.17) or 200D SMA ($39.27) invalidates the momentum regime and cuts Target Base ($46.88) toward Bear Floor ($36.01).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ORRF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ORRF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 73%NO 27%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

64.730 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE89% OF RANGE

L: $33$43.92H: $45

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B+RQD 31 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on ORRF

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

13.7% ROIC with 42.0% gross margin and 8.07% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (75)

31/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like ORRF

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (ORRF Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

ORRF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +20.30%📐 HORIZONTAL RANGE

2026-11-02O $44.14H $44.44L $43.92C $43.92VOL 66.4K

RES: $45.51SUP: $39.04SMA50: $42.17SMA200: $39.27

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ORRF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ORRF Butterfly Map → + Track ORRF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

0.4%/yr Implied 5Y Growth

vs. +36.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ORRF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ORRF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ORRF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ORRF)

Financials Rank #66 of 1096 ⚔️ FCBC vs ORRF Full Matrix →

1. Head-to-Head Financials Peer Comparison (ORRF vs. FCBC, CCBG, MPB, GSBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Orrstown Financial Services Inc. (ORRF) ranks #66 by composite RQD confidence (73/100, grade B) and #581 by equity capitalization ($874.1M). Within this direct 5-issuer industry benchmark cohort, ORRF leads on earnings valuation at 10.8x trailing P/E, while ORRF leads on capital efficiency and profitability with 13.7% ROIC and — gross margin. ORRF currently leads its immediate peer cohort in composite quantitative strength at 73/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ORRF ACTIVE Orrstown Financial Services Inc.	B	73/100	10.8x	—	13.7%	-1.17%	$874.1M	Benchmark Subject
FCBC First Community Bankshares Inc. (VA)	D+	56/100	72.8x	—	2.4%	+1.43%	$875.2M	/fcbc-vs-orrf →
CCBG Capital City Bank Group	B-	70/100	14.2x	—	11.1%	-0.62%	$875.9M	/ccbg-vs-orrf →
MPB Mid Penn Bancorp	D+	58/100	15.4x	—	6.9%	-0.96%	$868.7M	/mpb-vs-orrf →
GSBC Great Southern Bancorp Inc.	B	72/100	12.4x	—	11.2%	-0.96%	$881.9M	/gsbc-vs-orrf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000826154

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Orrstown Financial Services Inc. (ORRF) reported GAAP revenue of $37.1M (+36.0% vs. FY2024 revenue of $27.3M , and +90.7% cumulative change since FY2023) , GAAP net income of $80.9M, operating cash flow of $74.7M, and free cash flow of $70.5M (+111.2% YoY). On the balance sheet, ORRF closed FY2025 with $5.54B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$37.1M	$80.9M	$74.7M	$70.5M	$5.54B	—
FY2024 (FY)	2024-12-31	$27.3M	$22.1M	$35.0M	$33.4M	$5.44B	—
FY2023 (FY)	2023-12-31	$19.5M	$35.7M	$43.7M	$43.7M	—	—

3. ORRF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ORRF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does ORRF compare to FCBC and CCBG in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for ORRF?

Where is ORRF trading relative to its 50-day, 200-day, and 52-week technical levels?

ORRF last traded at $43.92 (-1.17% on volume of 94,627 shares), positioning the stock +4.15% above its 50-day simple moving average ($42.17) and +11.84% above its 200-day simple moving average ($39.27). Across its 52-week range of $32.50 to $45.40, ORRF sits at the 88.5% percentile with a 14-day RSI of 64.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($41.59 to $46.25).

ORRF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell ORRF stock right now?

Orrstown Financial Services Inc. (ORRF) currently earns a Roarable Rating of B (Buy — BUY) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 14% return on capital) with steady institutional support.

What is ORRF's 12-month price target and RQD AI Jury consensus?

ORRF's 12-month base price target is $46.88 (range $36.01 to $55.32), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: ORRF RQD Cockpit ORRF 12M Forecast ORRF Earnings & Move ORRF Dividends & DRIP ORRF Insiders & 13F ORRF Whale Options ORRF Profit Sankey ORRF News & Why

ROARABLE RATING BRIEF • RQD 73/100 (B) ✓ STAGE-C NUMBER FIREWALL VERIFIED

ORRF — Orrstown Financial Services Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:32:12Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, ORRF scores 73 out of 100, earning a B grade and the verdict label "Roarable Buy — Good Risk/Reward." The five pillars are:

Fundamental cash engine: 15 / 20. Per the RQD rating, this pillar reflects ROIC of 13.7% and an FCF yield of 8.07%. These are the strongest quantitative supports for the stock's cash-generation case.
Whale 13F flow: 14 / 20. Per the RQD rating, this pillar reflects institutional accumulation and options positioning. The source does not provide the underlying 13F holder data (see Analyst View section), so the score cannot be traced to specific filers.
Insider conviction: 17 / 20. Per the RQD rating, this is the highest-scoring pillar, based on SEC Form 4 and Congressional PTR cluster flow. The source data does not itemize these trades, so investors should verify the underlying filings directly.
Macro regime fit: 14 / 20. Per the RQD rating, this pillar reflects a beta of 1.0 and sector sensitivity. A beta of 1.0 implies the stock is expected to move roughly in line with the broad market, neither dampening nor amplifying market swings.
Forensic balance sheet: 13 / 20. Per the RQD rating, this pillar reflects an Altman Z-Score of 2.5, a Piotroski F-Score of 5/9, and a Debt/Equity ratio of 0.5. This is the weakest pillar relative to the others, suggesting balance-sheet quality is adequate rather than exceptional.

Taken together, the rating points to a stock whose valuation and insider signals are the main upside drivers, while balance-sheet forensics are the area most deserving of caution. Per the market data, the trailing P/E of 10.8 and forward P/E of 9.1 suggest a valuation tradeoff: a lower multiple may reflect a discount relative to earnings, but the source data does not provide peer comparisons to confirm whether that discount is warranted. The 52-week range of $32.5 – $45.4 places the current price of $44.44 near the top of that range, so much of the recent price appreciation is already reflected in the quote. This is an analytical summary, not personalized financial advice.

Business

Orrstown Financial Services Inc. (ORRF) is a NASDAQ-listed issuer classified in the Financials sector and Major Banks industry, per the profile. The source data does not describe its products, customer base, or revenue model beyond this classification. Market capitalization is $0.9B per the profile. Specific details on how the company makes money are not available in source data.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$37.1M	$0.0M	$80.9M	N/A	$70.5M	N/A	N/A
FY 2024	$27.3M	$0.0M	$22.1M	N/A	$33.4M	N/A	N/A
FY 2023	$19.5M	$0.0M	$35.7M	N/A	$43.7M	N/A	N/A

Per the SEC financials, net income moved from $35.7M (FY 2023) to $22.1M (FY 2024) before rising to $80.9M (FY 2025), while free cash flow followed a similar path at $43.7M, $33.4M, and $70.5M. Reported operating income is $0.0M in each period, and the source does not explain this figure, so it should not be read as a meaningful operating result. Per the market data, net margin is 68%, gross and operating margins are each 0%, and ROIC is 13.7%. Per the RQD rating, the forensic balance sheet metrics are an Altman Z-Score of 2.5, a Piotroski F-Score of 5/9, and a Debt/Equity ratio of 0.5. Cash and debt balances are not available in source data.

Recent Catalysts & News Wire Analysis

Earnings beat (GREEN, CATALYST): A Yahoo Finance headline reports that ORRF beat Q3 earnings and revenue estimates.
Price reaction (YELLOW, MARKET WIRE): A separate Yahoo Finance headline reports the stock price ignored strong Q3 earnings.
Quarterly results (YELLOW, MARKET WIRE): A Stock Titan report describes loans rising as deposits fell, with $22.8 million in quarterly profit.
Earnings presentation (YELLOW, MARKET WIRE): A Seeking Alpha item covers the 2026 Q3 results and earnings call presentation dated 2026-10-22.
Date announcement (YELLOW, MARKET WIRE): A GlobeNewswire release announces a date related to the third quarter; the headline is truncated in the source.
Execution report (RED, RISK WATCH): A Simply Wall St report describes the stock rising as Q3 results show strong execution. This item is flagged RED in the source, which is inconsistent with its headline's tone and should be verified.

The Butterfly supply-chain graph lists no supply-chain links and no proprietary signals.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply chain is recorded as "NONE," with no butterfly links. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore not available in source data. Investors should not infer such relationships from the sector or industry labels alone.

Open Questions

What are the company's cash and debt balances, and what EPS was reported for each fiscal year?
Why is reported operating income $0.0M in every period, and what is the actual operating result?
Which insiders and institutional holders are driving the insider and whale pillar scores, and what are the transaction sizes and dates?
How does the forward P/E of 9.1 compare with peers in Major Banks, and what explains the discount?
Is the RED "Risk Watch" flag on the Simply Wall St item a substantive risk or a labeling inconsistency?

ORRF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Orrstown Financial Services Inc. (ORRF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ORRF Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 12h ago

Orrstown Financial Services (ORRF) Stock Price Ignores Strong Q3 Earnings

Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 15h ago

Orrstown Financial Services (ORRF) Beats Q3 Earnings and Revenue Estimates

Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 18h ago

Orrstown Financial Services, Inc. 2026 Q3 - Results - Earnings Call Presentation (NASDAQ:ORRF) 2026-10-22

Seeking Alpha report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 21h ago

Loans rose as deposits fell at Orrstown, which reported $22.8 million in quarterly profit.

Stock Titan report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GlobeNewswire • 1d ago

Orrstown Financial Services, Inc. Announces Date of Third

GlobeNewswire report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Simply Wall St • 1d ago

Orrstown Financial Services (ORRF) Stock Rises As Q3 Results Show Strong Execution

Simply Wall St report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Orrstown Financial Services Named to the Fortune 100 Fastest-Growing Companies List

Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST SeekingAlpha • 3d ago

Dividend Champion, Contender, And Challenger Highlights: Week November 1

Get a weekly dividend summary for Champions, Contenders, and Challengers.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ORRF Bull vs. Bear Conversation Board — What's Your Call at $43.92?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ORRF 🐻 33% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $52.44 (+18.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is ORRF (B • RQD 73/100) a Buy at $44.44?

Welcome to the ORRF (Orrstown Financial Services Inc.) Roar Pit. Current RQD Composite is 73/100 (Roarable Buy — Good Risk/Reward) in Major Banks. Bulls point to capital efficiency (13.7% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RE RedlineAuditor Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $33.33 (-25.0%)

Spot @ $44.44

Pump the brakes on ORRF — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on ORRF, but look at what you are paying: 10.8x trailing P/E with tightening sector spreads. Unless Orrstown Financial Services Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH 🎯 Target: $54.66 (+23.0%)

Spot @ $44.44

ORRF cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on ORRF, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $44.44 (52-wk range $32.50 - $45.40), any beat on forward guidance forces shorts and underweight funds to chase.