Orrstown Financial Services Net Income
| ORRF Stock | USD 37.87 1.42 3.61% |
As of the 10th of February, Orrstown Financial holds the Risk Adjusted Performance of 0.137, semi deviation of 1.19, and Coefficient Of Variation of 608.07. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Orrstown Financial, as well as the relationship between them. Please check Orrstown Financial information ratio, potential upside, as well as the relationship between the Potential Upside and kurtosis to decide if Orrstown Financial is priced some-what accurately, providing market reflects its current price of 37.87 per share. Given that Orrstown Financial has jensen alpha of 0.1882, we recommend you to check out Orrstown Financial's recent market performance to make sure the company can sustain itself at a future point.
Orrstown Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.2925 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 25.4 M | 26.6 M | |
| Net Income Applicable To Common Shares | 25.3 M | 26.6 M | |
| Net Income From Continuing Ops | 25.4 M | 12.7 M | |
| Net Income Per Share | 4.86 | 5.10 | |
| Net Income Per E B T | 0.79 | 0.66 |
Orrstown | Net Income | Build AI portfolio with Orrstown Stock |
The Net Income trend for Orrstown Financial Services offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Orrstown Financial is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest Orrstown Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Orrstown Financial Services over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Orrstown Financial financial statement analysis. It represents the amount of money remaining after all of Orrstown Financial Services operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Orrstown Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Orrstown Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 22.05 M | 10 Years Trend |
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Net Income |
| Timeline |
Orrstown Net Income Regression Statistics
| Arithmetic Mean | 19,266,515 | |
| Geometric Mean | 19,013,844 | |
| Coefficient Of Variation | 161.73 | |
| Mean Deviation | 21,159,604 | |
| Median | 16,924,000 | |
| Standard Deviation | 31,158,967 | |
| Sample Variance | 970.9T | |
| Range | 123.4M | |
| R-Value | 0.81 | |
| Mean Square Error | 354.1T | |
| R-Squared | 0.66 | |
| Significance | 0.000078 | |
| Slope | 5,005,537 | |
| Total Sum of Squares | 15534.1T |
Orrstown Net Income History
Other Fundumenentals of Orrstown Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Orrstown Financial Net Income component correlations
Orrstown Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Orrstown Financial is extremely important. It helps to project a fair market value of Orrstown Stock properly, considering its historical fundamentals such as Net Income. Since Orrstown Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Orrstown Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Orrstown Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Regional Banks industry sustain growth momentum? Does Orrstown have expansion opportunities? Factors like these will boost the valuation of Orrstown Financial. Anticipated expansion of Orrstown directly elevates investor willingness to pay premium valuations. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Orrstown Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.559 | Dividend Share 1.06 | Earnings Share 4.18 | Revenue Per Share | Quarterly Revenue Growth 0.08 |
Understanding Orrstown Financial requires distinguishing between market price and book value, where the latter reflects Orrstown's accounting equity. The concept of intrinsic value - what Orrstown Financial's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Market sentiment, economic cycles, and investor behavior can push Orrstown Financial's price substantially above or below its fundamental value.
It's important to distinguish between Orrstown Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Orrstown Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, Orrstown Financial's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
Orrstown Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Orrstown Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Orrstown Financial.
| 11/12/2025 |
| 02/10/2026 |
If you would invest 0.00 in Orrstown Financial on November 12, 2025 and sell it all today you would earn a total of 0.00 from holding Orrstown Financial Services or generate 0.0% return on investment in Orrstown Financial over 90 days. Orrstown Financial is related to or competes with Mid Penn, MetroCity Bankshares, First Financial, Camden National, Great Southern, Capital City, and Independent Bank. Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and... More
Orrstown Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Orrstown Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Orrstown Financial Services upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.42 | |||
| Information Ratio | 0.1046 | |||
| Maximum Drawdown | 8.73 | |||
| Value At Risk | (2.35) | |||
| Potential Upside | 2.77 |
Orrstown Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Orrstown Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Orrstown Financial's standard deviation. In reality, there are many statistical measures that can use Orrstown Financial historical prices to predict the future Orrstown Financial's volatility.| Risk Adjusted Performance | 0.137 | |||
| Jensen Alpha | 0.1882 | |||
| Total Risk Alpha | 0.0792 | |||
| Sortino Ratio | 0.1208 | |||
| Treynor Ratio | 0.3194 |
Orrstown Financial February 10, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.137 | |||
| Market Risk Adjusted Performance | 0.3294 | |||
| Mean Deviation | 1.2 | |||
| Semi Deviation | 1.19 | |||
| Downside Deviation | 1.42 | |||
| Coefficient Of Variation | 608.07 | |||
| Standard Deviation | 1.64 | |||
| Variance | 2.7 | |||
| Information Ratio | 0.1046 | |||
| Jensen Alpha | 0.1882 | |||
| Total Risk Alpha | 0.0792 | |||
| Sortino Ratio | 0.1208 | |||
| Treynor Ratio | 0.3194 | |||
| Maximum Drawdown | 8.73 | |||
| Value At Risk | (2.35) | |||
| Potential Upside | 2.77 | |||
| Downside Variance | 2.02 | |||
| Semi Variance | 1.41 | |||
| Expected Short fall | (1.49) | |||
| Skewness | 0.1757 | |||
| Kurtosis | 1.04 |
Orrstown Financial Backtested Returns
Orrstown Financial appears to be very steady, given 3 months investment horizon. Orrstown Financial maintains Sharpe Ratio (i.e., Efficiency) of 0.14, which implies the firm had a 0.14 % return per unit of risk over the last 3 months. We have found twenty-six technical indicators for Orrstown Financial, which you can use to evaluate the volatility of the company. Please evaluate Orrstown Financial's Risk Adjusted Performance of 0.137, coefficient of variation of 608.07, and Semi Deviation of 1.19 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Orrstown Financial holds a performance score of 11. The company holds a Beta of 0.81, which implies possible diversification benefits within a given portfolio. As returns on the market increase, Orrstown Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding Orrstown Financial is expected to be smaller as well. Please check Orrstown Financial's potential upside, as well as the relationship between the kurtosis and period momentum indicator , to make a quick decision on whether Orrstown Financial's historical price patterns will revert.
Auto-correlation | 0.35 |
Below average predictability
Orrstown Financial Services has below average predictability. Overlapping area represents the amount of predictability between Orrstown Financial time series from 12th of November 2025 to 27th of December 2025 and 27th of December 2025 to 10th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Orrstown Financial price movement. The serial correlation of 0.35 indicates that nearly 35.0% of current Orrstown Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.35 | |
| Spearman Rank Test | 0.65 | |
| Residual Average | 0.0 | |
| Price Variance | 1.81 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Orrstown Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Orrstown Financial Services reported net income of 22.05 M. This is 98.27% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 96.14% higher than that of the company.
Orrstown Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Orrstown Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Orrstown Financial could also be used in its relative valuation, which is a method of valuing Orrstown Financial by comparing valuation metrics of similar companies.Orrstown Financial is currently under evaluation in net income category among its peers.
Orrstown Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Orrstown Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Orrstown Financial's managers, analysts, and investors.Environmental | Governance | Social |
Orrstown Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Orrstown Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Orrstown Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Orrstown Financial's value.| Shares | Fmr Inc | 2025-06-30 | 225.3 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 208.3 K | Proshare Advisors Llc | 2025-06-30 | 199.3 K | Petiole Usa Ltd | 2025-06-30 | 177 K | Qube Research & Technologies | 2025-06-30 | 171.4 K | Millennium Management Llc | 2025-06-30 | 171.1 K | Northern Trust Corp | 2025-06-30 | 162.8 K | Charles Schwab Investment Management Inc | 2025-06-30 | 160.1 K | Pacific Ridge Capital Partners, Llc | 2025-06-30 | 155 K | Blackrock Inc | 2025-06-30 | 1.4 M | Fourthstone Llc | 2025-06-30 | 1.3 M |
Orrstown Fundamentals
| Return On Equity | 0.15 | ||||
| Return On Asset | 0.0147 | ||||
| Profit Margin | 0.32 % | ||||
| Operating Margin | 0.47 % | ||||
| Current Valuation | 956.74 M | ||||
| Shares Outstanding | 19.51 M | ||||
| Shares Owned By Insiders | 4.51 % | ||||
| Shares Owned By Institutions | 59.11 % | ||||
| Number Of Shares Shorted | 295.33 K | ||||
| Price To Earning | 9.59 X | ||||
| Price To Book | 1.30 X | ||||
| Price To Sales | 3.06 X | ||||
| Revenue | 353.86 M | ||||
| Gross Profit | 252.08 M | ||||
| EBITDA | 116.68 M | ||||
| Net Income | 22.05 M | ||||
| Cash And Equivalents | 66.93 M | ||||
| Cash Per Share | 6.26 X | ||||
| Total Debt | 336.37 M | ||||
| Debt To Equity | 0.18 % | ||||
| Book Value Per Share | 30.32 X | ||||
| Cash Flow From Operations | 34.96 M | ||||
| Short Ratio | 1.14 X | ||||
| Earnings Per Share | 4.18 X | ||||
| Target Price | 41.5 | ||||
| Number Of Employees | 607 | ||||
| Beta | 0.81 | ||||
| Market Capitalization | 770.14 M | ||||
| Total Asset | 5.54 B | ||||
| Retained Earnings | 186.75 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 2.98 % | ||||
| Net Asset | 5.54 B | ||||
| Last Dividend Paid | 1.06 |
About Orrstown Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Orrstown Financial Services's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Orrstown Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Orrstown Financial Services based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Can Regional Banks industry sustain growth momentum? Does Orrstown have expansion opportunities? Factors like these will boost the valuation of Orrstown Financial. Anticipated expansion of Orrstown directly elevates investor willingness to pay premium valuations. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Orrstown Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.559 | Dividend Share 1.06 | Earnings Share 4.18 | Revenue Per Share | Quarterly Revenue Growth 0.08 |
Understanding Orrstown Financial requires distinguishing between market price and book value, where the latter reflects Orrstown's accounting equity. The concept of intrinsic value - what Orrstown Financial's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Market sentiment, economic cycles, and investor behavior can push Orrstown Financial's price substantially above or below its fundamental value.
It's important to distinguish between Orrstown Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Orrstown Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, Orrstown Financial's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.