ORRF Stock Analysis: Buy, Sell, or Hold?
ORRF - Orrstown Financial Services Inc
$36.08
0.52 (1.46%)
▲
5d:
+1.98%
30d:
-1.15%
90d:
+1.01%
BUY
HIGH Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 28, 2026
26d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: ORRF shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
✅ BUY SIGNAL: ORRF shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$42.60
Based on 3.4% avg growth
INTRINSIC VALUE TODAY
$26.45
Trading above fair value
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 8.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ORRF is currently trading at $36.08, which is considered slightly high relative to its 30-day fair value range of $34.51 to $36.52. The stock's valuation (Forward PE: 8.3) is in line with its historical norms (8.3). Remarkably, the market is currently pricing in an annual earnings decline of 0.1% over the next few years. This pessimistic expectation contrasts with the company's recent 55.9% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, ORRF is showing sideways momentum. The price is approaching resistance at $36.28. 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 (60/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (19th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $41.50 (+15.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, ORRF is showing sideways momentum. The price is approaching resistance at $36.28. 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 (60/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (19th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $41.50 (+15.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$34.51 -
$36.52
Company Quality Score
58/100
(HOLD)
Options IV Signal
19th percentile
(COMPLACENCY WARNING)
Volume Confirmation
HIGH
Confidence Score
78.8%
All Signals
- BULLISH: Options cheap (IV 19th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($41.50)
Fair Price Analysis
30-Day Fair Range
$34.51 -
$36.52
Current vs Fair Value
SLIGHTLY HIGH
Expected Move (7 Days)
±$1.41
(3.9%)
Support & Resistance Levels
Support Level
$33.79
Resistance Level
$36.28
Current Trend
Sideways
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.31
Wall Street Target
$41.50
(+15.0%)
Revenue Growth (YoY)
8.0%
Earnings Growth (YoY)
55.9%
Profit Margin
32.1%
Valuation Discount vs History
-0.1% cheaper
PE vs Historical
8.3 vs 8.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.1%
(market-implied from PE analysis)
1-Year Target
$36.04
(0%)
2-Year Target
$36.01
(0%)
3-Year Target
$35.97
(0%)
3-Yr Target (if PE normalizes)
(PE: 8→8)
PE COMPRESSION
$35.93
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 2.8%)
$105.57
(+193%)
Base:
(SPY PE: 8.3, Growth: 2.8%)
$39.24
(+9%)
Bear:
(PE: 7.1, Growth: 2.8%)
$33.36
(-8%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 8.32 | Current EPS (TTM): $4.18
Bull Case
$39.72
(+12%)
Analyst growth 3.9%, PE expands to 9.2
Base Case
$36.11
(+2%)
Market implied 3.9%, PE stable at 8.3
Bear Case
$23.64
(-33%)
Severe decline -20.0%, PE contracts to 7.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: March 31, 2026 9:02 PM ET
Data refreshes hourly during market hours. Next update: 10:02 PM
Data refreshes hourly during market hours. Next update: 10:02 PM
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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
Sarah M Brown
BUY
406 shares
2026-02-02
Cindy Jeannette Joiner
BUY
302 shares
2025-10-27
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