ORRF

Orrstown Financial ServicesB

Nasdaq / Banks

At close

2026-07-21

Current thesis

ORRF enters 2026 with record 2025 earnings, tangible common equity up to 9.0%, tangible book value per share up to $25.21, steady Q4 loan growth and improving fee income from wealth management, swaps and treasury activity. If Q1 confirms pipeline conversion and a still-solid core margin, shares have room to move toward or above the 41.6 median target.

Posture

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.0.

What can break

Core net interest margin may compress further as purchase-accounting accretion rolls off and variable-rate asset yields reprice lower.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $40.00 · Bull $44.00 · Bear $33.00

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-21 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $42.25

Why

Momentum52 · Δ7d -12.9

Value63 · Δ7d -0.0

Sentiment50 · Δ7d -3.9

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-12.9

Δ21d

-1.2

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.0

Δ21d

+0.1

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-3.9

Δ21d

-4.8

Why this grade

Composite grade B. Momentum 51.6 / Value 63.3 / Sentiment 49.9

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$810.67M

Beta

0.82

Shares Out

19.65M

P/E (TTM)

9.4

P/S (TTM)

2.78

P/FCF (TTM)

16.48

Rev YoY

+3.2%

EPS YoY

+20.3%

Gross Margin

Op Margin

+37.1%

Net Debt

$309M

Current Ratio

0.08

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology