ORRF Stock Analysis: Buy, Sell, or Hold?
ORRF - Orrstown Financial Services Inc
$42.73
-0.06 (-0.14%)
▼
5d:
+0.4%
30d:
+2.42%
90d:
+16.3%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 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 4.1% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: ORRF is fairly valued with market pricing in 4.1% 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
$43.53
Based on 2.9% avg growth
INTRINSIC VALUE TODAY
$27.03
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 8.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ORRF is currently trading at $42.73, which is considered extended relative to its 30-day fair value range of $40.35 to $42.37. From a valuation perspective, the stock is trading at a premium (Forward PE: 9.7) compared to its historical average (8.6). At these levels, the market is pricing in 4.1% 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 strong uptrend. The price is approaching resistance at $43.78. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: ORRF has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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 approaching resistance at $43.78. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: ORRF has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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
EXTENDED
Historical Trading Range
$40.35 -
$42.37
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($45.25)
- NEUTRAL: Market pricing in 4.1% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$40.35 -
$42.37
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$40.38
Resistance Level
$43.78
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.74
Wall Street Target
$45.25
(+5.9%)
Earnings Growth (YoY)
7.9%
Profit Margin
33.8%
Valuation Premium vs History
+4.1% premium
PE vs Historical
9.7 vs 8.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.1%
(market-implied from PE analysis)
1-Year Target
$44.48
(+4%)
2-Year Target
$46.31
(+8%)
3-Year Target
$48.20
(+13%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$42.57
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 1.8%)
$95.82
(+124%)
Base:
(SPY PE: 9.7, Growth: 1.8%)
$45.01
(+5%)
Bear:
(PE: 8.3, Growth: 1.8%)
$38.26
(-11%)
📈
Valuation based on Current Earnings
Trailing PE: 9.73 | Current EPS (TTM): $4.45
Bull Case
$46.94
(+10%)
Analyst growth -1.4%, PE expands to 10.7
Base Case
$42.68
(0%)
Market implied -1.4%, PE stable at 9.7
Bear Case
$29.43
(-31%)
Severe decline -20.0%, PE contracts to 8.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 02, 2026 6:11 AM ET
Data refreshes hourly during market hours. Next update: 7:11 AM
Data refreshes hourly during market hours. Next update: 7:11 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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