Orrstown Financial Services Stock Net Income
| ORRF Stock | USD 37.48 0.16 0.43% |
As of the 23rd of January, Orrstown Financial holds the Risk Adjusted Performance of 0.1281, semi deviation of 0.9012, and Coefficient Of Variation of 600.97. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Orrstown Financial, as well as the relationship between them. Please check Orrstown Financial information ratio, potential upside, as well as the relationship between the Potential Upside and kurtosis to decide if Orrstown Financial is priced some-what accurately, providing market reflects its current price of 37.48 per share. Given that Orrstown Financial has jensen alpha of 0.1707, we recommend you to check out Orrstown Financial's recent market performance to make sure the company can sustain itself at a future point.
Orrstown Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.969 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 25.4 M | 26.6 M | |
| Net Income Applicable To Common Shares | 25.3 M | 26.6 M | |
| Net Income From Continuing Ops | 25.4 M | 12.7 M | |
| Net Income Per Share | 1.34 | 0.90 | |
| Net Income Per E B T | 0.71 | 0.66 |
Orrstown | Net Income | Build AI portfolio with Orrstown Stock |
Latest Orrstown Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Orrstown Financial Services over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Orrstown Financial financial statement analysis. It represents the amount of money remaining after all of Orrstown Financial Services operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Orrstown Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Orrstown Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 22.05 M | 10 Years Trend |
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Net Income |
| Timeline |
Orrstown Net Income Regression Statistics
| Arithmetic Mean | 12,574,169 | |
| Geometric Mean | 16,589,099 | |
| Coefficient Of Variation | 163.51 | |
| Mean Deviation | 14,612,492 | |
| Median | 16,924,000 | |
| Standard Deviation | 20,559,920 | |
| Sample Variance | 422.7T | |
| Range | 74.1M | |
| R-Value | 0.71 | |
| Mean Square Error | 220.4T | |
| R-Squared | 0.51 | |
| Significance | 0 | |
| Slope | 2,910,778 | |
| Total Sum of Squares | 6763.4T |
Orrstown Net Income History
Other Fundumenentals of Orrstown Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Orrstown Financial Net Income component correlations
Orrstown Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Orrstown Financial is extremely important. It helps to project a fair market value of Orrstown Stock properly, considering its historical fundamentals such as Net Income. Since Orrstown Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Orrstown Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Orrstown Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Orrstown Financial. If investors know Orrstown will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Orrstown Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.384 | Dividend Share 1.02 | Earnings Share 3.93 | Revenue Per Share | Quarterly Revenue Growth 0.269 |
The market value of Orrstown Financial is measured differently than its book value, which is the value of Orrstown that is recorded on the company's balance sheet. Investors also form their own opinion of Orrstown Financial's value that differs from its market value or its book value, called intrinsic value, which is Orrstown Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Orrstown Financial's market value can be influenced by many factors that don't directly affect Orrstown Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Orrstown Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Orrstown Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Orrstown Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Orrstown Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Orrstown Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Orrstown Financial.
| 10/25/2025 |
| 01/23/2026 |
If you would invest 0.00 in Orrstown Financial on October 25, 2025 and sell it all today you would earn a total of 0.00 from holding Orrstown Financial Services or generate 0.0% return on investment in Orrstown Financial over 90 days. Orrstown Financial is related to or competes with Mid Penn, MetroCity Bankshares, First Financial, Camden National, Great Southern, Capital City, and Independent Bank. Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and... More
Orrstown Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Orrstown Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Orrstown Financial Services upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.13 | |||
| Information Ratio | 0.0989 | |||
| Maximum Drawdown | 7.39 | |||
| Value At Risk | (2.03) | |||
| Potential Upside | 3.15 |
Orrstown Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Orrstown Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Orrstown Financial's standard deviation. In reality, there are many statistical measures that can use Orrstown Financial historical prices to predict the future Orrstown Financial's volatility.| Risk Adjusted Performance | 0.1281 | |||
| Jensen Alpha | 0.1707 | |||
| Total Risk Alpha | 0.0502 | |||
| Sortino Ratio | 0.135 | |||
| Treynor Ratio | 0.3059 |
Orrstown Financial January 23, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1281 | |||
| Market Risk Adjusted Performance | 0.3159 | |||
| Mean Deviation | 1.13 | |||
| Semi Deviation | 0.9012 | |||
| Downside Deviation | 1.13 | |||
| Coefficient Of Variation | 600.97 | |||
| Standard Deviation | 1.54 | |||
| Variance | 2.37 | |||
| Information Ratio | 0.0989 | |||
| Jensen Alpha | 0.1707 | |||
| Total Risk Alpha | 0.0502 | |||
| Sortino Ratio | 0.135 | |||
| Treynor Ratio | 0.3059 | |||
| Maximum Drawdown | 7.39 | |||
| Value At Risk | (2.03) | |||
| Potential Upside | 3.15 | |||
| Downside Variance | 1.27 | |||
| Semi Variance | 0.8121 | |||
| Expected Short fall | (1.49) | |||
| Skewness | 0.8345 | |||
| Kurtosis | 0.9509 |
Orrstown Financial Backtested Returns
At this point, Orrstown Financial is very steady. Orrstown Financial maintains Sharpe Ratio (i.e., Efficiency) of 0.12, which implies the firm had a 0.12 % return per unit of risk over the last 3 months. We have found twenty-six technical indicators for Orrstown Financial, which you can use to evaluate the volatility of the company. Please check Orrstown Financial's Coefficient Of Variation of 600.97, risk adjusted performance of 0.1281, and Semi Deviation of 0.9012 to confirm if the risk estimate we provide is consistent with the expected return of 0.17%. Orrstown Financial has a performance score of 9 on a scale of 0 to 100. The company holds a Beta of 0.81, which implies possible diversification benefits within a given portfolio. As returns on the market increase, Orrstown Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding Orrstown Financial is expected to be smaller as well. Orrstown Financial right now holds a risk of 1.42%. Please check Orrstown Financial potential upside, as well as the relationship between the kurtosis and period momentum indicator , to decide if Orrstown Financial will be following its historical price patterns.
Auto-correlation | -0.09 |
Very weak reverse predictability
Orrstown Financial Services has very weak reverse predictability. Overlapping area represents the amount of predictability between Orrstown Financial time series from 25th of October 2025 to 9th of December 2025 and 9th of December 2025 to 23rd of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Orrstown Financial price movement. The serial correlation of -0.09 indicates that less than 9.0% of current Orrstown Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.09 | |
| Spearman Rank Test | -0.36 | |
| Residual Average | 0.0 | |
| Price Variance | 0.89 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Orrstown Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Orrstown Financial Services reported net income of 22.05 M. This is 98.27% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 96.14% higher than that of the company.
Orrstown Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Orrstown Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Orrstown Financial could also be used in its relative valuation, which is a method of valuing Orrstown Financial by comparing valuation metrics of similar companies.Orrstown Financial is currently under evaluation in net income category among its peers.
Orrstown Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Orrstown Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Orrstown Financial's managers, analysts, and investors.Environmental | Governance | Social |
Orrstown Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Orrstown Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Orrstown Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Orrstown Financial's value.| Shares | Fmr Inc | 2025-06-30 | 225.3 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 208.3 K | Proshare Advisors Llc | 2025-06-30 | 199.3 K | Petiole Usa Ltd | 2025-06-30 | 177 K | Qube Research & Technologies | 2025-06-30 | 171.4 K | Millennium Management Llc | 2025-06-30 | 171.1 K | Northern Trust Corp | 2025-06-30 | 162.8 K | Charles Schwab Investment Management Inc | 2025-06-30 | 160.1 K | Pacific Ridge Capital Partners, Llc | 2025-06-30 | 155 K | Blackrock Inc | 2025-06-30 | 1.4 M | Fourthstone Llc | 2025-06-30 | 1.3 M |
Orrstown Fundamentals
| Return On Equity | 0.13 | |||
| Return On Asset | 0.0134 | |||
| Profit Margin | 0.30 % | |||
| Operating Margin | 0.48 % | |||
| Current Valuation | 844.07 M | |||
| Shares Outstanding | 19.5 M | |||
| Shares Owned By Insiders | 4.50 % | |||
| Shares Owned By Institutions | 58.70 % | |||
| Number Of Shares Shorted | 276.2 K | |||
| Price To Earning | 9.59 X | |||
| Price To Book | 1.28 X | |||
| Price To Sales | 2.97 X | |||
| Revenue | 284.09 M | |||
| Gross Profit | 247.3 M | |||
| EBITDA | 37.5 M | |||
| Net Income | 22.05 M | |||
| Cash And Equivalents | 66.93 M | |||
| Cash Per Share | 6.26 X | |||
| Total Debt | 209.91 M | |||
| Debt To Equity | 0.18 % | |||
| Book Value Per Share | 29.33 X | |||
| Cash Flow From Operations | 34.96 M | |||
| Short Ratio | 0.85 X | |||
| Earnings Per Share | 3.93 X | |||
| Target Price | 41.0 | |||
| Number Of Employees | 607 | |||
| Beta | 0.81 | |||
| Market Capitalization | 733.93 M | |||
| Total Asset | 5.44 B | |||
| Retained Earnings | 126.54 M | |||
| Annual Yield | 0.03 % | |||
| Five Year Return | 2.98 % | |||
| Net Asset | 5.44 B | |||
| Last Dividend Paid | 1.02 |
About Orrstown Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Orrstown Financial Services's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Orrstown Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Orrstown Financial Services based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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When determining whether Orrstown Financial is a strong investment it is important to analyze Orrstown Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Orrstown Financial's future performance. For an informed investment choice regarding Orrstown Stock, refer to the following important reports:Check out Orrstown Financial Piotroski F Score and Orrstown Financial Altman Z Score analysis. You can also try the Price Exposure Probability module to analyze equity upside and downside potential for a given time horizon across multiple markets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Orrstown Financial. If investors know Orrstown will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Orrstown Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.384 | Dividend Share 1.02 | Earnings Share 3.93 | Revenue Per Share | Quarterly Revenue Growth 0.269 |
The market value of Orrstown Financial is measured differently than its book value, which is the value of Orrstown that is recorded on the company's balance sheet. Investors also form their own opinion of Orrstown Financial's value that differs from its market value or its book value, called intrinsic value, which is Orrstown Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Orrstown Financial's market value can be influenced by many factors that don't directly affect Orrstown Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Orrstown Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Orrstown Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Orrstown Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.