Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Why ORRF Stock surged +3.07% Today — RQD Quant Desk Flash
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.
🤖 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?
▼
As of 2026-11-03, 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 $45.27 (+3.07% 1D, market cap $863.9M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, ORRF ranks #59 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does ORRF compare to MPB and CCBG in the Financials sector?
▼
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, MPB (Mid Penn Bancorp) holds a D+ grade (57/100 RQD, P/E 15.4x, ROIC 6.9%, cap $860.4M) and CCBG (Capital City Bank Group) posts a B- grade (70/100 RQD, P/E 14.2x, ROIC 11.1%, cap $870.4M). Among the 5-stock peer group, ORRF leads on earnings multiple (10.8x) while ORRF leads on capital efficiency (13.7% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for ORRF?
▼
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
SEC XBRL FY 2025 (10-K): 189.8% FCF Margin ($70.5M FCF) & 52% Gross Margin
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
⚔️ Adversarial Opposing Case: Why the ORRF Bull Thesis Could Fail
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($42.20) or 200D SMA ($39.30) invalidates the momentum regime and cuts Target Base ($48.33) toward Bear Floor ($37.12).
Why ORRF Stock surged +3.07% Today — RQD Quant Desk Flash
Orrstown Financial Services Inc. (ORRF) surged +3.07% to $45.27, trading at 99% of its 52-week range ($32.5 – $45.4). High-quality cash engine (steady margins, 14% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 99% of its 52-week range ($32.5 – $45.4) with RSI-14 at 59.1 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.3% around $45.27 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B (Buy) backed by 52% gross margin and $70.5M annual free cash flow.
Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
GlobeNewswire report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Get a weekly dividend summary for Champions, Contenders, and Challengers.
The bank's organic loan growth is now replacing merger-related income, a shift that tests whether it can sustain profitable growth on its own.
Net income rose to $22.8 million as efficiency improved and loan growth accelerated.
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
ORRF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +36.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ORRF today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ORRF. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ORRF)
1. Head-to-Head Financials Peer Comparison (ORRF vs. MPB, CCBG, GSBC, FCBC)
Industry: Major Banks (248 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, Orrstown Financial Services Inc. (ORRF) ranks #59 by composite RQD confidence (73/100, grade B) and #582 by equity capitalization ($863.9M). 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% | +3.07% | $863.9M | Benchmark Subject |
| MPB Mid Penn Bancorp | D+ | 57/100 | 15.4x | — | 6.9% | +2.37% | $860.4M | /mpb-vs-orrf → |
| CCBG Capital City Bank Group | B- | 70/100 | 14.2x | — | 11.1% | +2.14% | $870.4M | /ccbg-vs-orrf → |
| GSBC Great Southern Bancorp Inc. | B- | 70/100 | 12.4x | — | 11.2% | +1.75% | $873.4M | /gsbc-vs-orrf → |
| FCBC First Community Bankshares Inc. (VA) | D+ | 57/100 | 72.8x | — | 2.4% | +1.68% | $887.7M | /fcbc-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 ENABLEDIs ORRF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, 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 $45.27 (+3.07% 1D, market cap $863.9M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, ORRF ranks #59 in composite RQD confidence.
How does ORRF compare to MPB and CCBG in the Financials sector?
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, MPB (Mid Penn Bancorp) holds a D+ grade (57/100 RQD, P/E 15.4x, ROIC 6.9%, cap $860.4M) and CCBG (Capital City Bank Group) posts a B- grade (70/100 RQD, P/E 14.2x, ROIC 11.1%, cap $870.4M). Among the 5-stock peer group, ORRF leads on earnings multiple (10.8x) while ORRF leads on capital efficiency (13.7% ROIC).
What are the biggest fundamental strengths and SEC risk factors for ORRF?
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.
Where is ORRF trading relative to its 50-day, 200-day, and 52-week technical levels?
ORRF last traded at $45.27 (+3.07% on volume of 90,547 shares), positioning the stock +7.27% above its 50-day simple moving average ($42.20) and +15.19% above its 200-day simple moving average ($39.30). Across its 52-week range of $32.50 to $45.40, ORRF sits at the 99.0% percentile with a 14-day RSI of 59.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($42.87 to $47.67).
ORRF — Orrstown Financial Services Inc.: What the Facts Mean to a Prospective Investor
1. Roarable Rating Brief: What This Means to a Prospective Investor
Orrstown Financial Services Inc. (ORRF) earns a live Roarable RQD composite score of 73/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $45.27 (+3.07% 1D, market capitalization $863.9M).
- Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 13.7%, gross margin of —, operating margin of —, and free cash flow yield of 8.07%.
- Whale 13F & Options Flow (14/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
Orrstown Financial Services Inc. (ORRF) is a NASDAQ-listed issuer classified in the Financials sector and Major Banks industry,. Market capitalization is $0.9B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Orrstown Financial Services Inc. (ORRF) reported $37.1M in annual revenue (up from $27.3M in FY2024, +36.0% YoY) and $80.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($19.5M revenue, $35.7M net income) through FY2025, ORRF scaled operating cash flow to $74.7M and free cash flow to $70.5M, backed by $5.54B in total assets against $0 in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (B • RQD 73/100): 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. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $32.50 – $45.40 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 10.8x trailing P/E against — operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
Investors should not infer such relationships from the sector or industry labels alone.
- Key Question #1: Can ORRF sustain or expand its — operating margin and 13.7% ROIC against Major Banks peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $37.1M and free cash flow of $70.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
- Key Question #3: How sensitive is ORRF's 9.1x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
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
Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
GlobeNewswire report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Orrstown Financial Services Inc. (ORRF) market action, institutional positioning, and fundamental catalysts.
Get a weekly dividend summary for Champions, Contenders, and Challengers.
ORRF Bull vs. Bear Conversation Board — What's Your Call at $45.27?
The RQD rating's insider conviction pillar scores 17 of 20 and the stock trades at a trailing P/E of 10.8 with a forward P/E of 9.1, pe
Long ORRF at $43.92 targeting $52.70. The RQD rating's insider conviction pillar scores 17 of 20 and the stock trades at a trailing P/E of 10.8 with a forward P/E of 9.1, per the sources.. Institutional whale score is 14/20 and the risk/reward vs. the $32.50 52-week low is skewed heavily in favor of bulls.
@CreditSpread_Watch Fair point on 10.8x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.
Reported operating income is $0.0M in every fiscal year and cash and debt balances are unavailable, leaving the balance-sheet case unve
Here is the bear case nobody on the bull side wants to address on ORRF: Reported operating income is $0.0M in every fiscal year and cash and debt balances are unavailable, leaving the balance-sheet case unverified beyond the 13 of 20 forensic pillar score.. At 10.8x trailing P/E, even a small guidance miss in Major Banks triggers a 12-15% air pocket.