Orrstown Financial Services, Inc. (ORRF)

Orrstown Financial Services' stock price has been impacted by several events in the past six months. The company's Q2 2025 earnings report on July 22, 2025, surpassed estimates and included a dividend increase. The Q3 2025 earnings report on October 22, 2025, also exceeded estimates, leading to a stock increase. Matthew Alpert was appointed as the Chief Wealth Officer on January 6, 2026. The stock price crossed above its 200-day moving average around December 30, 2025. As of January 9, 2026, the company has a consensus rating of 'Moderate Buy' with a $38.00 price objective. There has been insider buying activity in October and December 2025. A stock repurchase program was approved on June 23, 2025, authorizing the repurchase of up to 500,000 shares.

The banking industry, including Orrstown Financial Services, experiences some seasonality. Loan demand is highest in the spring and summer, decreasing in December. Investment services demand increases in December and early January due to portfolio rebalancing and tax adjustments. Tax planning also contributes to increased banking activity starting in March.

Orrstown Financial Services, Inc. operates in the Finance sector, specifically in the Banks - Northeast and Regional Banks industry, providing commercial banking and financial advisory services. The company offers deposit products such as checking and savings accounts, lending solutions including mortgages and commercial loans, and wealth management and trust services like retirement planning and investment management.

Orrstown Financial Services focuses on personalized banking solutions across Central Pennsylvania and Maryland, operating 51 banking offices across 12 counties. Its services are available in several counties in Pennsylvania and Maryland, as well as Baltimore City, Maryland. The lending area extends to adjacent counties in Pennsylvania and Maryland, and parts of Delaware, Virginia, West Virginia, and the District of Columbia, within a 75-mile radius of its executive offices. The company is headquartered in Harrisburg, Pennsylvania.

Orrstown Financial Services maintains a positive brand reputation, supported by strong financial performance and favorable analyst sentiment. The company has a 'Moderate Buy' rating from analysts. Consistent profitability metrics and the successful integration of the merger with Codorus Valley Bancorp, Inc. reflect positively on its operational strength. The appointment of a new Chief Wealth Officer indicates a commitment to enhancing its service offerings and leadership. No specific events have negatively impacted the company's reputation in the past year.

Orrstown Financial Services, Inc. has significant institutional ownership, with 313 institutional owners holding 13,347,050 shares, including Fourthstone LLC, BlackRock, Inc., and Vanguard Group Inc. Individual insiders, including Thomas R. Quinn Jr. (CEO), own approximately 4.70% of the company's stock.