Orrstown Financial Services (ORRF) Stock: Buy, Sell, or Hold?
$44.32
-0.12 (-0.27%)
âŧ
5d:
-0.11%
30d:
+7.26%
90d:
+2.55%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (61%)
Quality Score
51/100
Position
SLIGHTLY HIGH
30-Day Fair Range
$41.39 â $44.46
Position: SLIGHTLY HIGH
Forward P/E & Valuation
9.8x
FAIR
vs 8.9x historical avg
Wall Street Target
$46.75
+5.5% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$43.59 / $46.81
Trend: Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: ORRF is fairly priced but lacks strong directional signals. At 3.1% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$47.02
Based on 3.1% avg growth
INTRINSIC VALUE TODAY
$29.20
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ORRF is currently trading at $44.32, which is considered slightly high relative to its 30-day fair value range of $41.39 to $44.46. The stock's valuation (Forward PE: 9.8) is in line with its historical norms (8.9). At these levels, the market is pricing in 3.1% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ORRF is in a uptrend. The price is currently testing key support at $43.59. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 48/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, ORRF is in a uptrend. The price is currently testing key support at $43.59. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 48/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$41.39 -
$44.46
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
Trading Range & Key Levels
30-Day Trading Range
$41.39 -
$44.46
Current vs Trading Range
SLIGHTLY HIGH
Support Level
$43.59
Resistance Level
$46.81
Current Trend
Uptrend
Technical data as of
Nov 10, 2026
Quantitative Signal Breakdown
- NEUTRAL: Mixed technical signals (48/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($46.75)
- NEUTRAL: Market pricing in 3.1% annual earnings growth - fairly valued
- WARNING: Composite score 51/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
9.77
Wall Street Target
$46.75
(+5.5%)
Revenue Growth (YoY)
2.6%
Earnings Growth (YoY)
3.5%
Profit Margin
34.0%
Valuation Premium vs History
+3.1% premium
PE vs Historical
9.8 vs 8.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.1%
(market-implied from PE analysis)
1-Year Target
$45.69
(+3%)
2-Year Target
$47.11
(+6%)
3-Year Target
$48.57
(+10%)
3-Yr Target (if PE normalizes)
(PE: 10â9)
PE COMPRESSION
$44.24
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 2.2%)
$96.06
(+117%)
Base:
(SPY PE: 9.8, Growth: 2.2%)
$47.26
(+7%)
Bear:
(PE: 8.3, Growth: 2.2%)
$40.17
(-9%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 9.90 | Current EPS (TTM): $4.49
Bull Case
$49.39
(+11%)
Analyst growth 1.0%, PE expands to 10.9
Base Case
$44.90
(+1%)
Market implied 1.0%, PE stable at 9.9
Bear Case
$30.22
(-32%)
Severe decline -20.0%, PE contracts to 8.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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Last updated: November 10, 2026 7:00 PM ET
Data refreshes hourly during market hours. Next update: 8:00 PM
Data refreshes hourly during market hours. Next update: 8:00 PM
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Technical Signals Check
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Insider Activity (6 Months)
0
Buys
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Sells
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Net
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