Orrstown Financial Services, Inc.

Is Orrstown Financial Services, Inc. technically bullish or bearish?

As of October 31, 2025, Orrstown Financial Services, Inc. shows a mildly bullish technical trend, supported by daily moving averages and monthly Bollinger Bands, despite underperforming the S&P 500 year-to-date and over one year, with mixed signals from other indicators suggesting caution.

As of 31 October 2025, the technical trend for Orrstown Financial Services, Inc. has changed from sideways to mildly bullish. The daily moving averages indicate a mildly bullish stance, while the weekly and monthly MACD and KST are mildly bearish. The Bollinger Bands show a bullish trend on the monthly timeframe, which supports the overall mildly bullish outlook. However, the weekly Dow Theory is also mildly bullish, suggesting some strength in the trend.<BR><BR>In terms of performance, Orrstown has underperformed the S&P 500 across multiple periods, with a year-to-date return of -8.66% compared to the S&P 500's 16.30%, and a one-year return of -10.54% versus 19.89%. Despite this, the stock has shown positive returns over the 3-year and 5-year periods, outperforming the S&P 500 in those timeframes. Overall, the current technical stance is mildly bullish, but caution is warranted due to mixed signals from other indicators.

Is Orrstown Financial Services, Inc. overvalued or undervalued?

As of July 22, 2025, Orrstown Financial Services, Inc. is fairly valued with a P/E ratio of 11 and has outperformed the S&P 500 over five years, but has underperformed year-to-date, which may raise caution for potential investors.

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.<BR><BR>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.

How big is Orrstown Financial Services, Inc.?

As of Jun 18, Orrstown Financial Services, Inc. has a market capitalization of 590.00 million and reported total assets of 5,462.64 million with shareholder's funds of 516.68 million as of Dec'24.

Market Cap: As of Jun 18, Orrstown Financial Services, Inc. has a market capitalization of 590.00 million, categorizing it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, Orrstown Financial Services, Inc. reported a sum of interest earned of 281.81 million and a net profit of 31.57 million.<BR><BR>Balance Sheet Snapshot: As of Dec'24, the company reported shareholder's funds of 516.68 million and total assets of 5,462.64 million.

What does Orrstown Financial Services, Inc. do?

Orrstown Financial Services, Inc. is a micro-cap bank holding company that provides commercial banking and trust services, with recent net sales of $76 million and a net profit of $18 million. Key metrics include a P/E ratio of 11.00 and a dividend yield of 0.98%.

Overview: <BR>Orrstown Financial Services, Inc. is a bank holding company engaged in commercial banking and trust business within the regional banks industry, categorized as a micro-cap company.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 76 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 18 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 590.00 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 11.00 <BR>Dividend Yield: 0.98% <BR>Debt Equity: 0.00 <BR>Return on Equity: 10.17% <BR>Price to Book: 1.11<BR><BR>Contact Details: <BR>Address: 77 E King St, PO Box 250 SHIPPENSBURG PA : 17257-0250 <BR>Tel: 1 717 5326114 <BR>Website: https://investors.orrstown.com/CorporateProfile.aspx

Should I buy, sell or hold Orrstown Financial Services, Inc.?

Who are in the management team of Orrstown Financial Services, Inc.?

As of March 2022, the management team of Orrstown Financial Services, Inc. includes Independent Chairman Joel Zullinger, President and CEO Thomas Quinn, and several independent directors: Linford Weaver, Cindy Joiner, Mark Keller, Thomas Longenecker, and Andrea Pugh. This team provides governance and strategic direction for the company.

As of March 2022, the management team of Orrstown Financial Services, Inc. includes the following individuals:<BR><BR>- Mr. Joel Zullinger, who serves as the Independent Chairman of the Board.<BR>- Mr. Thomas Quinn, who is the President, Chief Executive Officer, and Director.<BR>- Linford Weaver, who is a Director.<BR>- Ms. Cindy Joiner, who is an Independent Director.<BR>- Mr. Mark Keller, who is also an Independent Director.<BR>- Mr. Thomas Longenecker, who serves as an Independent Director.<BR>- Ms. Andrea Pugh, who is an Independent Director.<BR><BR>This team comprises a mix of executive leadership and independent directors, contributing to the governance and strategic direction of the company.