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Upturn AI SWOT - About
ORRF 
Orrstown Financial Services Inc (ORRF)
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Upturn Advisory Summary
12/04/2025: ORRF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $41
1 Year Target Price $41
| 2 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 70.92% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 12/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 721.65M USD | Price to earnings Ratio 9.42 | 1Y Target Price 41 |
Price to earnings Ratio 9.42 | 1Y Target Price 41 | ||
Volume (30-day avg) 5 | Beta 0.81 | 52 Weeks Range 24.93 - 38.48 | Updated Date 12/4/2025 |
52 Weeks Range 24.93 - 38.48 | Updated Date 12/4/2025 | ||
Dividends yield (FY) 2.76% | Basic EPS (TTM) 3.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.54% | Operating Margin (TTM) 48.05% |
Management Effectiveness
Return on Assets (TTM) 1.34% | Return on Equity (TTM) 13.43% |
Valuation
Trailing PE 9.42 | Forward PE 8.89 | Enterprise Value 831784448 | Price to Sales(TTM) 2.92 |
Enterprise Value 831784448 | Price to Sales(TTM) 2.92 | ||
Enterprise Value to Revenue 3.93 | Enterprise Value to EBITDA - | Shares Outstanding 19498770 | Shares Floating 17073903 |
Shares Outstanding 19498770 | Shares Floating 17073903 | ||
Percent Insiders 4.58 | Percent Institutions 59.58 |
Upturn AI SWOT
Orrstown Financial Services Inc
Company Overview
History and Background
Orrstown Financial Services Inc. was founded in 1919 as a community bank serving South Central Pennsylvania and Northern Maryland. Over the years, it has grown through organic expansion and strategic acquisitions, evolving into a full-service financial institution.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial products to individuals, businesses, and organizations.
- Wealth Management: Offers investment advisory services, financial planning, trust services, and insurance products.
- Mortgage Services: Origination of residential mortgages.
Leadership and Structure
Thomas R. Quinn, Jr. serves as the President and CEO. The organizational structure includes various departments such as lending, finance, operations, and compliance, overseen by senior management and the board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. No specific market share data readily available. Competitors include Fulton Financial (FULT), First Commonwealth Financial (FCF), and local credit unions.
- Residential Mortgages: Offers mortgage loans for purchasing or refinancing residential properties. No specific market share data readily available. Competitors include national mortgage lenders like Rocket Mortgage and local banks.
- Deposit Accounts: Provides checking, savings, and money market accounts for individuals and businesses. No specific market share data readily available. Competitors include national banks like Bank of America (BAC) and Wells Fargo (WFC), as well as online banks.
- Wealth Management Services: Offers investment advisory, financial planning and trust services. No specific market share data readily available. Competitors include large brokerage firms such as Charles Schwab (SCHW) and Fidelity.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, low interest rates, and competition from non-traditional financial institutions. Technology is driving innovation and changing customer expectations.
Positioning
Orrstown Financial Services Inc. positions itself as a community-focused bank with strong customer relationships and personalized service. Their competitive advantage lies in their local presence and understanding of the community's needs.
Total Addressable Market (TAM)
TAM includes total lending, deposit and wealth management services within its geographic footprint. Estimated at several billion dollars. Orrstown Financial Services Inc is positioned to continue to compete effectively in this local market.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Conservative lending practices
- Diverse revenue streams
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Higher operating costs than larger banks
- Reliance on local economy
Opportunities
- Expansion into new markets
- Increased adoption of technology
- Growing demand for wealth management services
- Strategic acquisitions
- Increase local lending as local companies grow
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- FULT
- FCF
- CFFI
Competitive Landscape
Orrstown faces stiff competition. Success depends on local relationships, technology adoption, and sound risk management.
Major Acquisitions
Farmers and Merchants Bancorp of Chambersburg
- Year: 2016
- Acquisition Price (USD millions): 46
- Strategic Rationale: Expanded Orrstown's market share in Franklin County, PA.
Growth Trajectory and Initiatives
Historical Growth: Analysis requires access to current financial statements. Providing placeholders only.
Future Projections: Analysis requires access to current financial statements. Providing placeholders only.
Recent Initiatives: Strategic plans for technology investments and expansion.
Summary
Orrstown Financial Services Inc. is a community bank with a strong local presence and diverse revenue streams. While its smaller size presents some challenges, strategic opportunities exist for expansion and technological advancement. Economic downturns and increased competition remain key threats. The company has seen positive financial performance in recent years and is positioned for future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports
- Market data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
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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