Is Orrstown Financial Services, Inc. overvalued or undervalued?

As of 22 July 2025, the valuation grade for Orrstown Financial Services, Inc. moved from expensive to fair. The company is currently fairly valued based on its valuation ratios, which include a P/E ratio of 11, a Price to Book Value of 1.15, and an EV to EBITDA of 7.50. In comparison to its peers, Unity Bancorp, Inc. has a P/E of 11.21, while Civista Bancshares, Inc. stands at 12.54, indicating that Orrstown is competitively priced within its industry.
Despite a fair valuation, Orrstown's recent stock performance shows a mixed picture; while it has outperformed the S&P 500 over the 5-year period with a return of 172.69% compared to 96.61%, it has lagged behind in the year-to-date return at -2.35% versus 12.22% for the index. This suggests that while the stock is fairly valued, its recent performance may warrant caution for potential investors.