RankAlpha logo
Back to Rankings

ORRF

Orrstown Financial ServicesB
Nasdaq / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
The $0.07 reported EPS beat, 12-basis-point improvement in NIM versus adjusted Q2, 9% annualized loan growth and declining classified loans support better core earnings than the prior monitoring thesis assumed. [#SEC-8K-2026-10-21] https://www.sec.gov/Archives/edgar/data/826154/000162828026066606/ex9912026-q3earningsrelease.htm; https://www.investing.com/news/earnings/orrstown-earnings-beat-by-007-revenue-topped-estimates-4961005
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.8.
What can break
Credit improved in Q3, but a reversal in classified or nonaccrual loans would be consequential for a small bank. [#SEC-8K-2026-10-21]
Momentum
69
Value
62
Sentiment
53
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $44.00 · Bull $51.00 · Bear $36.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $46.75
Why
Momentum69 · Δ7d +8.0
Value62 · Δ7d -0.8
Sentiment53 · Δ7d -4.4
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.8.

Contradictions & invalidation

  • • Credit improved in Q3, but a reversal in classified or nonaccrual loans would be consequential for a small bank. [#SEC-8K-2026-10-21]
  • • Loan purchase-accounting accretion fell from $4.3 million to $3.9 million sequentially; core income must replace the fading benefit. [#SEC-8K-2026-10-21]
  • • Loan growth outpaced deposit funding, borrowings increased, and unrealized securities losses reduced tangible book value to $25.96 from $26.71.

Catalyst clock

2026-11-06

Q3 earnings beat meets a stronger post-print share price

Lead driver: Value · See fundamentals
Momentum
69
8% active weight
Current posture
7d trendImproving
Δ7d
+8.0
Δ21d
+10.0
Value
62
47% active weight
Current posture
7d trendFlat
Δ7d
-0.8
Δ21d
-0.8
Sentiment
53
45% active weight
Current posture
7d trendSoftening
Δ7d
-4.4
Δ21d
-11.7
Why this grade

Composite grade B. Momentum 69.1 / Value 62.1 / Sentiment 53.4

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
25%
Probability
Target price
$51.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
40%
Probability
Target price
$44.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
35%
Probability
Target price
$36.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$871.17M
Beta
0.82
Shares Out
19.67M
P/E (TTM)
9.4
P/S (TTM)
2.78
P/FCF (TTM)
16.48
Rev YoY
+0.8%
EPS YoY
+8.3%
Gross Margin
-
Op Margin
+29.8%
Net Debt
$309M
Current Ratio
0.08
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data