Orrstown Financial Services, Inc.
Key Drivers
- High margins
- Low asset turnover
- Positive FCF
AIAI Summary
ORRF should be reclassified from a value-growth turnaround to an “income-with-capital‑risk” trade: the current free cash flow and 3% dividend are sustainable near term, but structurally low asset turnover and concentrated CRE/C&I exposures cap long‑term upside. Monitor NIM staying within the 4.00–4.15% band and tangible progress redeploying low‑yield investments into higher‑return loans or fee businesses—failure to do so would keep upside limited and risk dividend/valuation pressure.
Price Chart
Financial Metrics
Deep Analysis
Research tool. Not personalized advice.
Fundamental Analysis
Key Financial Insights:
- •High margins
- •Low asset turnover
- •Positive FCF
ORRF delivers strong near‑term cash generation and very cheap earnings multiples but is weighed down by massive non‑operating assets and low asset efficiency that threaten sustainable returns.
Price Behavior
Key Price Behavior Insights:
- •Lower highs/lows
- •Near short-term support
- •~4‑point trading range
ORRF traded in a clear downtrend over last month, sliding about 8–9% from $38.08 to $34.76 with lower highs/lows, short-term support near $34.00–$34.80 and resistance around $37.50–$38.10, leaving momentum biased to the downside and a mean-reversion bounce possible only if support holds.
~8–9% decline last month with a ~4‑point intra‑period range indicating elevated downside risk if $34.00 breaks
Sentiment & News
Key News Insights:
- •Profitability focus
- •Peer valuation
- •No new developments
March 2, 2026 comparison pits Orrstown (ORRF) against Arrow (AROW) across earnings, analyst ratings, dividends, valuation, institutional ownership, profitability and risk, emphasizing profitability as the chief differentiator with no other ORRF-specific developments.
The head-to-head metric comparison frames ORRF as being evaluated primarily on fundamentals and relative profitability, likely prompting investor attention on earnings and margins rather than event-driven catalysts
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