ORRF Stock Analysis: Buy, Sell, or Hold?
ORRF - Orrstown Financial Services Inc
$39.09
0.06 (0.15%)
▲
5d:
-2.13%
30d:
+6.6%
90d:
+12.46%
HOLD
MODERATE Confidence
Analysis Updated: Jun 22, 2026 12:00 AM ET
Earnings: Jul 28, 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 2.4% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: ORRF is fairly valued with market pricing in 2.4% 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
$41.68
Based on 2.7% avg growth
INTRINSIC VALUE TODAY
$25.88
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 8.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ORRF is currently trading at $39.09, which is considered extended relative to its 30-day fair value range of $36.36 to $38.85. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (8.5). At these levels, the market is pricing in 2.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ORRF is showing sideways momentum. The price is approaching resistance at $39.09. 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 showing sideways momentum. The price is approaching resistance at $39.09. 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
$36.36 -
$38.85
Company Quality Score
63/100
(BUY)
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 ($41.75)
- NEUTRAL: Market pricing in 2.4% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$36.36 -
$38.85
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$35.86
Resistance Level
$39.09
Current Trend
Sideways
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.11
Wall Street Target
$41.75
(+6.8%)
Revenue Growth (YoY)
5.4%
Earnings Growth (YoY)
20.4%
Profit Margin
33.1%
Valuation Premium vs History
+2.4% premium
PE vs Historical
9.1 vs 8.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.4%
(market-implied from PE analysis)
1-Year Target
$40.03
(+2%)
2-Year Target
$40.99
(+5%)
3-Year Target
$41.97
(+7%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$39.18
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 1.4%)
$97.52
(+150%)
Base:
(SPY PE: 9.1, Growth: 1.4%)
$40.78
(+4%)
Bear:
(PE: 7.7, Growth: 1.4%)
$34.66
(-11%)
📈
Valuation based on Current Earnings
Trailing PE: 8.91 | Current EPS (TTM): $4.38
Bull Case
$42.08
(+8%)
Analyst growth -2.0%, PE expands to 9.8
Base Case
$38.25
(-2%)
Market implied -2.0%, PE stable at 8.9
Bear Case
$26.54
(-32%)
Severe decline -20.0%, PE contracts to 7.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 23, 2026 3:41 AM ET
Data refreshes hourly during market hours. Next update: 4:41 AM
Data refreshes hourly during market hours. Next update: 4:41 AM
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Technical Signals Check
Is ORRF showing a specific setup today?
Insider Activity (6 Months)
2
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Brian D Brunner
BUY
1000 shares
2026-03-18
Sarah M Brown
BUY
406 shares
2026-02-02
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