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Orrstown Financial Services

ORRF
58
Banks - Regional · Financial Services
Price
$42.02
-0.08 (-0.19%)
Market Cap
$825.6M
Exchange
NASDAQ
Winston Score
58
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Growth
Good
Valuation
Good
Dividends
Strong
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Share count rising — dilution

+50.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 11.1M (2021) → 16.8M (2025)

Winston Score History

The full picture

Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
+0.0%
Nearly flat sales (+0.0% YoY)
Profit growth
EPS YoY
+106.2%
Earnings growing fast (+106.2% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
9.0x
Attractive valuation — P/E 9.0

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
-0.3
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
2.86%
Moderate income — 2.86% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+14.7%
Dividend growing fast (14.7% YoY)

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