Operating under the Banks - Regional umbrella, Orrstown Financial Services, Inc. is a financial services company. Orrstown Financial Services, Inc. The company carries a $826.8M market cap, placing it firmly in the small-cap category. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States.
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The company holds $174.3M in cash, though total debt stands at $289.8M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 14.9% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.5% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $125.3M (2022) to $248.9M (2025), reflecting a 99% increase over the period.
ORRF's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. No single metric tells the full story. Reviewing ORRF's risk profile alongside its fundamentals and technical indicators provides a more complete picture.