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Orrstown Financial Services, Inc.

ORRF Finance Major Banks
$44.29
▲ +3.3% Today
as of Oct 23, 16:51 ET
Last 30 days +4.29% Sep 14 → Oct 23
$40.28 $41.37 $42.45 $43.53 $44.62 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$43.98
High
$44.53
Low
$42.38
Volume
$146,354
Avg Vol
$169,839
Mkt Cap
$803M
P/E (TTM)
12.47
Beta
—
52w High
$44.53
52w Low
$32.50
Div Yield
—
Shares Out
$20M

Recent Press Releases & News last 60 days · 15 items

Oct 22 · 07:12 Simply Wall St.
Orrstown Financial Services (ORRF) Stock Price Ignores Strong Q3 Earnings
Oct 22 · 04:01 Motley Fool
Orrstown: 3 Key Takeaways for Long-Term Investors
Oct 22 · 01:01 GuruFocus.com
Orrstown Financial Services Inc (ORRF) (Q3 2026) Earnings Call Highlights: Record Net Income, ...
▸ Show all 15 press releases & news Free account →

ORRF earnings at a glance

The options market is pricing a move of about ±12.7% after the report, a range of roughly $38.67 to $49.91 from today's $44.29. Over its last 6 reports the stock rose the next day 4 times and fell 2, moving ±4.0% on average; after the most recent report on Jul 21, 2026 it moved +0.3%. That means options currently expect more movement than ORRF has typically delivered. ORRF beat the consensus EPS estimate in 6 of its last 6 reported quarters. Implied volatility is currently 107%. The share price of $44.29 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$32
$45
98% of range
Avg surprise (last 6)
+5.2%
Avg reaction (last 6)
+1.0%
67% positive
Latest IV / EM
107%
EM ±12.7% · $40 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$-0.41$-0.03$0.36$0.74$1.13 Actual $0.87Actual $0.94Actual $0.87Actual $0.81Actual $0.73Actual $-0.41Actual $1.00Est $0.95Actual $1.04Est $0.99Actual $1.13Est $1.06Actual $1.11Est $1.08Actual $1.12Est $1.06Actual $1.09Est $1.03 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$-8M$-187,688$8M$15M$23M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jul 21, 2026Jun/2026 $1.09 $1.03 +5.8% -1.0% +0.3% earnings
Wed Apr 22, 20268K 2026-04-22 $1.12 $1.06 +5.7% — -5.0% earnings
Wed Jan 28, 20268K 2026-01-28 $1.11 $1.08 +2.8% — -4.1% earnings
Tue Oct 21, 2025Sep/2025 $1.13 $1.06 +6.6% — +4.4% earnings
Tue Jul 22, 2025Jun/2025 $1.04 $0.99 +5.0% — +7.7% earnings
Tue Apr 22, 2025Mar/2025 $1.00 $0.95 +5.3% — +2.5% earnings
Mon Sep 30, 2024Sep 2024 $-0.41 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.73 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.81 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.87 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.94 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.87 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$21M$22M—$22M$19M$18M—$-8M
EPS (diluted)$1.09$1.12—$1.13$1.01$0.93—$-0.41

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents————————
Inventory————————
Total current assets————————
Total assets$5.61B$5.58B$5.54B$5.47B$5.39B$5.44B$5.44B$5.47B
Long-term debt————————
Total liabilities$4.99B$4.97B$4.95B$4.90B$4.84B$4.91B$4.92B$4.95B
Total equity$622M$603M$592M$572M$548M$533M$517M$516M

Implied volatility — last 90 days

39%113%187%260%334% Jun 07 — IV 100% · EM ±13.8%Jun 08 — IV 100% · EM ±13.2%Jun 11 — IV 112% · EM ±12.4%Jun 16 — IV 210% · EM ±12.4%Jun 17 — IV 302% · EM ±12.6%Jun 19 — IV 39% · EM ±8.7%Jun 22 — IV 61% · EM ±12.8%Jun 23 — IV 63% · EM ±12.8%Jun 25 — IV 61% · EM ±11.9%Jun 26 — IV 63% · EM ±12.0%Jun 29 — IV 69% · EM ±12.2%Jun 30 — IV 70% · EM ±12.1%Jul 01 — IV 72% · EM ±12.0%Jul 02 — IV 75% · EM ±12.1%Jul 03 — IV 78% · EM ±12.1%Jul 06 — IV 88% · EM ±12.1%Jul 07 — IV 93% · EM ±12.3%Jul 16 — IV 299% · EM ±12.5%Jul 20 — IV 52% · EM ±12.4%Jul 21 — IV 53% · EM ±12.3%Jul 22 — IV 53% · EM ±12.1%Jul 23 — IV 58% · EM ±13.1%Jul 24 — IV 68% · EM ±15.0%Jul 27 — IV 66% · EM ±13.9%Jul 28 — IV 64% · EM ±13.1%Jul 29 — IV 62% · EM ±12.5%Jul 30 — IV 64% · EM ±12.6%Jul 31 — IV 66% · EM ±12.6%Aug 03 — IV 71% · EM ±12.5%Aug 04 — IV 70% · EM ±12.0%Aug 05 — IV 77% · EM ±12.8%Aug 06 — IV 87% · EM ±14.0%Aug 07 — IV 78% · EM ±12.2%Aug 10 — IV 90% · EM ±12.5%Aug 11 — IV 97% · EM ±12.9%Aug 12 — IV 98% · EM ±12.3%Aug 13 — IV 97% · EM ±11.5%Aug 14 — IV 109% · EM ±12.0%Aug 17 — IV 147% · EM ±12.3%Aug 18 — IV 179% · EM ±13.0%Aug 19 — IV 239% · EM ±14.1%Aug 20 — IV 287% · EM ±12.0%Aug 24 — IV 64% · EM ±13.3%Aug 25 — IV 63% · EM ±12.9%Aug 26 — IV 64% · EM ±12.8%Aug 27 — IV 70% · EM ±13.6%Aug 28 — IV 72% · EM ±13.8%Aug 31 — IV 80% · EM ±14.1%Sep 01 — IV 71% · EM ±12.2%Sep 02 — IV 78% · EM ±13.0%Sep 03 — IV 81% · EM ±13.1%Sep 04 — IV 82% · EM ±12.8%Sep 07 — IV 92% · EM ±12.8%Sep 08 — IV 110% · EM ±14.6%Sep 09 — IV 109% · EM ±13.7%Sep 10 — IV 112% · EM ±13.2%Sep 11 — IV 126% · EM ±13.9%Sep 14 — IV 152% · EM ±12.7%Sep 15 — IV 156% · EM ±11.3%Sep 16 — IV 216% · EM ±12.7%Sep 17 — IV 335% · EM ±14.0%Sep 21 — IV 74% · EM ±15.5%Sep 22 — IV 68% · EM ±14.0%Sep 24 — IV 75% · EM ±14.7%Sep 25 — IV 63% · EM ±12.0%Sep 28 — IV 68% · EM ±12.1%Sep 29 — IV 48% · EM ±8.2%Sep 30 — IV 74% · EM ±12.3%Oct 02 — IV 80% · EM ±12.5%Oct 06 — IV 93% · EM ±12.3%Oct 07 — IV 98% · EM ±12.2%Oct 08 — IV 107% · EM ±12.7%

Sector peers

SPFI
South Plains Financial, Inc.
$802M $43.02-0.9%
IBCP
Independent Bank Corporation
$789M $36.98+2.8%
CCBG
Capital City Bank Group
$835M $50.53+2.0%
FISI
Financial Institutions, Inc.
$763M $40.58+1.8%
GSBC
Great Southern Bancorp, Inc.
$848M $80.93+3.6%
EGBN
Eagle Bancorp, Inc.
$854M $33.68+18.1%

ORRF earnings FAQ

What is ORRF's expected move for earnings?

Options currently price a move of about ±12.7%, or $5.62 per share either way from $44.29.

How does ORRF stock usually react to earnings?

Across the last 6 reports the average next-day move was ±4.0%, up 4 times and down 2 times.

What is ORRF's implied volatility?

ORRF's at-the-money implied volatility is about 107% based on the latest options snapshot.

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