ORRF Stock Analysis: Buy, Sell, or Hold?
ORRF - Orrstown Financial Services Inc
$42.02
-0.08 (-0.19%)
▼
5d:
-3.05%
30d:
+0.14%
90d:
+14.31%
HOLD
MODERATE Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 20, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: ORRF is fairly valued with market pricing in 3.3% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: ORRF is fairly valued with market pricing in 3.3% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$44.09
Based on 2.9% avg growth
INTRINSIC VALUE TODAY
$27.37
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 8.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ORRF is currently trading at $42.02, which is considered slightly low relative to its 30-day fair value range of $41.60 to $43.34. From a valuation perspective, the stock is trading at a premium (Forward PE: 9.6) compared to its historical average (8.7). At these levels, the market is pricing in 3.3% 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 $41.15. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: ORRF scores 36/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, ORRF is in a strong uptrend. The price is currently testing key support at $41.15. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: ORRF scores 36/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$41.60 -
$43.34
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
53.3%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (36/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($45.75)
- NEUTRAL: Market pricing in 3.3% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$41.60 -
$43.34
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$41.15
Resistance Level
$43.73
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.59
Wall Street Target
$45.75
(+8.9%)
Earnings Growth (YoY)
7.9%
Profit Margin
33.8%
Valuation Premium vs History
+3.3% premium
PE vs Historical
9.6 vs 8.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.3%
(market-implied from PE analysis)
1-Year Target
$43.41
(+3%)
2-Year Target
$44.84
(+7%)
3-Year Target
$46.32
(+10%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$42.03
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 1.9%)
$93.12
(+122%)
Base:
(SPY PE: 9.6, Growth: 1.9%)
$44.49
(+6%)
Bear:
(PE: 8.1, Growth: 1.9%)
$37.81
(-10%)
📈
Valuation based on Current Earnings
Trailing PE: 9.38 | Current EPS (TTM): $4.49
Bull Case
$45.20
(+8%)
Analyst growth -2.4%, PE expands to 10.3
Base Case
$41.09
(-2%)
Market implied -2.4%, PE stable at 9.4
Bear Case
$28.63
(-32%)
Severe decline -20.0%, PE contracts to 8.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 22, 2026 7:55 AM ET
Data refreshes hourly during market hours. Next update: 8:55 AM
Data refreshes hourly during market hours. Next update: 8:55 AM
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Technical Signals Check
Is ORRF showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Brian D Brunner
BUY
1000 shares
2026-03-18
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