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Upturn AI SWOT - About
ORRF 
Orrstown Financial Services Inc (ORRF)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: ORRF (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $39.8
1 Year Target Price $39.8
| 2 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 72.53% | Avg. Invested days 62 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 660.16M USD | Price to earnings Ratio 18.11 | 1Y Target Price 39.8 |
Price to earnings Ratio 18.11 | 1Y Target Price 39.8 | ||
Volume (30-day avg) 5 | Beta 0.83 | 52 Weeks Range 25.13 - 40.97 | Updated Date 08/15/2025 |
52 Weeks Range 25.13 - 40.97 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.88% | Basic EPS (TTM) 1.87 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-22 | When After Market | Estimate 0.98 | Actual 1.04 |
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 18.11 | Forward PE 8.89 | Enterprise Value 764722176 | Price to Sales(TTM) 2.82 |
Enterprise Value 764722176 | Price to Sales(TTM) 2.82 | ||
Enterprise Value to Revenue 3.52 | Enterprise Value to EBITDA - | Shares Outstanding 19491100 | Shares Floating 16773647 |
Shares Outstanding 19491100 | Shares Floating 16773647 | ||
Percent Insiders 4.58 | Percent Institutions 57.47 |
Upturn AI SWOT
Orrstown Financial Services Inc
Company Overview
History and Background
Orrstown Financial Services Inc. was founded in 1919 and has grown from a small community bank to a financial services holding company with multiple branches across Pennsylvania and Maryland. It has focused on providing traditional banking services and building long-term customer relationships.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and business checking accounts.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and consumer loans to individuals and families.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.
- Insurance Services: Provides insurance products through Orrstown Insurance Services to help manage risk.
Leadership and Structure
Thomas R. Quinn, Jr. is the President & CEO. The organizational structure includes executive management overseeing various departments, including lending, retail banking, and wealth management, all reporting to the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, generating significant revenue. Market share is regional, competing with larger national banks and smaller community banks. Competitors: Fulton Financial Corporation, M&T Bank, PNC Financial Services.
- Residential Mortgages: Mortgage products for home purchases and refinancing. Market share is primarily within Pennsylvania and Maryland. Competitors: Wells Fargo, Rocket Mortgage, local credit unions.
- Wealth Management Services: Investment advisory and financial planning services. Market share is smaller compared to larger wealth management firms. Competitors: Merrill Lynch, Edward Jones, regional investment advisors.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges due to rising interest rates, increased competition from fintech companies, and regulatory changes. Community banks are focusing on personalized service and local relationships to compete.
Positioning
Orrstown Financial Services Inc. positions itself as a community-focused bank providing personalized service and local expertise. Its competitive advantage lies in its deep understanding of the local market and its commitment to building long-term relationships with customers.
Total Addressable Market (TAM)
The TAM for community banking in Pennsylvania and Maryland is estimated to be several billion dollars. Orrstown Financial Services Inc. is positioned to capture a portion of this TAM through its local presence and customer-centric approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Commitment to customer service
- Diversified revenue streams
- Conservative lending practices
Weaknesses
- Smaller size compared to larger banks
- Limited geographic reach
- Dependence on local economy
- Lower brand recognition outside of its service area
- Potential technology infrastructure shortcomings relative to large banks
Opportunities
- Expanding into new markets through acquisitions
- Leveraging technology to improve efficiency and customer experience
- Increasing wealth management services
- Capitalizing on the trend of customers seeking personalized service
- Offering niche products tailored to local businesses
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- FULT
- MTB
- PNC
Competitive Landscape
Orrstown Financial Services Inc. competes with larger regional and national banks, as well as smaller community banks and credit unions. It differentiates itself through personalized service and local expertise but faces challenges from competitors with greater resources and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth performance is not provided due to the dynamic nature of real-time data; however, one can review quarterly and annual reports for the given stock
Future Projections: Future projections are not provided due to the dynamic nature of real-time data and reliance on analyst estimations; however, one can review analyst forecasts for the given stock
Recent Initiatives: Recent initiatives are not provided due to the dynamic nature of real-time data; however, one can research press releases or SEC filings for the given stock
Summary
Orrstown Financial Services Inc. is a community-focused bank with a strong local presence, but faces challenges from larger competitors and the evolving financial landscape. Its strengths include customer service and local expertise, while weaknesses include its smaller size and limited geographic reach. To succeed, Orrstown needs to leverage technology and expand its wealth management services, while navigating economic and regulatory challenges. ORRF is positioned well for sustained success and steady growth in the Mid-Atlantic region.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
- Market Data Providers (where available)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market data and analyst estimates are subject to change. This is an AI generated analysis and should be independently verified.
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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