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Upturn AI SWOT - About
ORRF 
Orrstown Financial Services Inc (ORRF)
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Upturn Advisory Summary
10/15/2025: ORRF (1-star) is a SELL. SELL since 5 days. Simulated Profits (-3.31%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $40
1 Year Target Price $40
| 2 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 66.81% | Avg. Invested days 56 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 626.25M USD | Price to earnings Ratio 17.18 | 1Y Target Price 40 |
Price to earnings Ratio 17.18 | 1Y Target Price 40 | ||
Volume (30-day avg) 5 | Beta 0.83 | 52 Weeks Range 25.13 - 40.97 | Updated Date 10/16/2025 |
52 Weeks Range 25.13 - 40.97 | Updated Date 10/16/2025 | ||
Dividends yield (FY) 2.92% | Basic EPS (TTM) 1.87 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-21 | When After Market | Estimate 1.05 | Actual - |
Profitability
Profit Margin 18.52% | Operating Margin (TTM) 46.24% |
Management Effectiveness
Return on Assets (TTM) 1.01% | Return on Equity (TTM) 10.47% |
Valuation
Trailing PE 17.18 | Forward PE 8.89 | Enterprise Value 755366464 | Price to Sales(TTM) 2.68 |
Enterprise Value 755366464 | Price to Sales(TTM) 2.68 | ||
Enterprise Value to Revenue 3.49 | Enterprise Value to EBITDA - | Shares Outstanding 19491096 | Shares Floating 17272619 |
Shares Outstanding 19491096 | Shares Floating 17272619 | ||
Percent Insiders 4.59 | Percent Institutions 58.8 |
Upturn AI SWOT
Orrstown Financial Services Inc
Company Overview
History and Background
Orrstown Financial Services Inc. was founded in 1919 as a community bank in Orrstown, Pennsylvania. It has grown through organic expansion and acquisitions, focusing on providing financial services to individuals, businesses, and local governments in Pennsylvania and Maryland.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products for businesses, including commercial real estate loans, lines of credit, and term loans.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The leadership team includes the CEO, CFO, and other senior executives responsible for overseeing the company's operations and strategic direction. The organizational structure consists of various departments, including lending, retail banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provide financing for commercial real estate projects. Market share data is not publicly available at a granular level. Competitors include other regional and national banks like Fulton Financial (FULT) and PNC Financial Services (PNC).
- Mortgage Loans: Offer residential mortgage loans for home purchases and refinancing. Market share data is not publicly available at a granular level. Competitors include national mortgage lenders like Rocket Mortgage and Wells Fargo (WFC).
- Deposit Accounts: Provide checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available at a granular level. Competitors include other local banks, credit unions, and online banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a challenging environment with rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks face pressure to maintain profitability and adapt to changing customer preferences.
Positioning
Orrstown Financial Services Inc. is positioned as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantages include its strong relationships with customers and its deep understanding of the local markets it serves.
Total Addressable Market (TAM)
The TAM for banking services in Pennsylvania and Maryland is estimated to be in the billions of dollars. Orrstown Financial Services Inc. is a small player relative to the total market, indicating considerable growth potential.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified revenue streams
- Solid asset quality
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Dependence on traditional banking channels
- Higher operating expenses
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- FULT
- PNC
- CASH
Competitive Landscape
Orrstown Financial Services Inc. competes with larger regional and national banks, as well as smaller community banks and credit unions. Its advantage lies in its personalized service and local market expertise.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic expansion and strategic acquisitions.
Future Projections: Future growth is projected to be moderate, supported by continued expansion and investments in technology.
Recent Initiatives: Recent initiatives include the launch of new digital banking services and expansion into new markets.
Summary
Orrstown Financial Services Inc. is a community bank with a stable presence. Its strengths lie in its customer relationships and local market expertise. However, it faces challenges from larger competitors and the evolving banking landscape. Investing in technology and exploring strategic acquisitions are key for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Public filings
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Orrstown Financial Services Inc
Exchange NASDAQ | Headquaters Harrisburg, PA, United States | ||
IPO Launch date 1999-05-13 | President, CEO & Director Mr. Thomas Rodney Quinn Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 607 | Website https://www.orrstown.com |
Full time employees 607 | Website https://www.orrstown.com | ||
Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. The company was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.
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