Orrstown Financial Services (ORRF) Stock: Buy, Sell, or Hold?
ORRF - Orrstown Financial Services Inc
$40.23
-0.35 (-0.87%)
▼
5d:
-3.88%
30d:
-2.56%
90d:
-1.52%
WAIT
LOW Confidence
Analysis Updated: Sep 30, 2026 12:00 AM ET
Earnings: Oct 20, 2026
18d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: ORRF shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: ORRF shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$44.77
Based on 2.9% avg growth
INTRINSIC VALUE TODAY
$27.80
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 8.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ORRF is currently trading at $40.23, which is considered oversold relative to its 30-day fair value range of $41.26 to $42.49. The stock's valuation (Forward PE: 9.2) is in line with its historical norms (8.8). At these levels, the market is pricing in 1.5% 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 strong uptrend. The price is currently testing key support at $40.42. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 44/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $45.75 (+12.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, ORRF is in a strong uptrend. The price is currently testing key support at $40.42. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 44/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $45.75 (+12.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$41.26 -
$42.49
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
78.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (44/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($45.75)
- NEUTRAL: Market pricing in 1.5% annual earnings growth - fairly valued
- WARNING: Composite score 53/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$41.26 -
$42.49
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$40.42
Resistance Level
$42.74
Current Trend
Strong Uptrend
Technical data as of
Sep 30, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.22
Wall Street Target
$45.75
(+12.7%)
Earnings Growth (YoY)
7.9%
Profit Margin
33.8%
Valuation Premium vs History
+1.5% premium
PE vs Historical
9.2 vs 8.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.5%
(market-implied from PE analysis)
1-Year Target
$41.19
(+2%)
2-Year Target
$41.81
(+3%)
3-Year Target
$42.43
(+5%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$40.49
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 1.9%)
$95.00
(+134%)
Base:
(SPY PE: 9.2, Growth: 1.9%)
$42.95
(+6%)
Bear:
(PE: 7.8, Growth: 1.9%)
$36.51
(-10%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 9.33 | Current EPS (TTM): $4.38
Bull Case
$45.16
(+11%)
Analyst growth 0.5%, PE expands to 10.3
Base Case
$41.06
(+1%)
Market implied 0.5%, PE stable at 9.3
Bear Case
$27.79
(-32%)
Severe decline -20.0%, PE contracts to 7.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 01, 2026 11:06 AM ET
Data refreshes hourly during market hours. Next update: 12:06 PM
Data refreshes hourly during market hours. Next update: 12:06 PM
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Technical Signals Check
Is ORRF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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