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Upturn AI SWOT - About
ORRF 
Orrstown Financial Services Inc (ORRF)
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Upturn Advisory Summary
04/01/2025: ORRF (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 49.11% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 575.50M USD | Price to earnings Ratio 20.05 | 1Y Target Price 40 |
Price to earnings Ratio 20.05 | 1Y Target Price 40 | ||
Volume (30-day avg) 149713 | Beta 0.87 | 52 Weeks Range 24.00 - 41.67 | Updated Date 04/1/2025 |
52 Weeks Range 24.00 - 41.67 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.46% | Basic EPS (TTM) 1.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.52% | Operating Margin (TTM) 41.38% |
Management Effectiveness
Return on Assets (TTM) 0.52% | Return on Equity (TTM) 5.64% |
Valuation
Trailing PE 20.05 | Forward PE 8.89 | Enterprise Value 547093248 | Price to Sales(TTM) 3.27 |
Enterprise Value 547093248 | Price to Sales(TTM) 3.27 | ||
Enterprise Value to Revenue 3.94 | Enterprise Value to EBITDA - | Shares Outstanding 19390000 | Shares Floating 16915613 |
Shares Outstanding 19390000 | Shares Floating 16915613 | ||
Percent Insiders 4.46 | Percent Institutions 57.41 |
Analyst Ratings
Rating 4 | Target Price 44.67 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Orrstown Financial Services Inc
Company Overview
History and Background
Orrstown Financial Services Inc. was founded in 1919 as the Farmers Bank of Mercersburg, Pennsylvania. Over the years, it expanded its operations through organic growth and strategic acquisitions, evolving into a diversified financial services provider in Pennsylvania and Maryland.
Core Business Areas
- Commercial Banking: Offers commercial loans, deposit accounts, and treasury management services to businesses.
- Retail Banking: Provides checking and savings accounts, mortgages, personal loans, and credit cards to individual customers.
- Wealth Management: Offers investment management, financial planning, trust, and estate services.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other senior executives overseeing different business segments. The organizational structure is hierarchical, with regional and departmental managers reporting to the executive team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing for businesses, including term loans, lines of credit, and commercial real estate loans. Market share data not publicly available. Competitors include Fulton Financial (FULT), First Commonwealth Financial (FCF), and larger regional banks.
- Residential Mortgages: Offers mortgage products for home purchases and refinancing. Market share data not publicly available. Competitors include national mortgage lenders and local credit unions.
- Wealth Management Services: Provides investment advisory and trust services. Market share data not publicly available. Competitors include Raymond James (RJF), Janney Montgomery Scott, and other regional wealth management firms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. Community banks are focusing on maintaining strong customer relationships and adapting to technological advancements.
Positioning
Orrstown Financial Services Inc. positions itself as a community bank focused on providing personalized service and local expertise. Its competitive advantages include strong relationships with its customers and a deep understanding of the local markets it serves.
Total Addressable Market (TAM)
The TAM for banking services in Pennsylvania and Maryland is estimated to be in the billions of dollars. Orrstown Financial Services Inc. is positioned to capture a portion of this market by focusing on its niche of community banking and building strong relationships with its customers.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Diversified revenue streams
- Experienced management team
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Reliance on traditional banking model
- Technology capabilities lag larger banks
Opportunities
- Expand into new markets
- Invest in technology to enhance customer experience
- Acquire smaller banks or wealth management firms
- Increase fee income through wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- FULT
- FCF
- HFWA
- PNFP
Competitive Landscape
Orrstown Financial Services Inc. faces competition from larger regional banks and smaller community banks. Its advantages include its local market expertise and personalized service, while its disadvantages include its smaller scale and limited geographic footprint compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Requires specific financial data input. Will provide if input data is supplied.
Future Projections: Requires specific analyst estimates input. Will provide if input data is supplied.
Recent Initiatives: Requires specific details on recent initiatives. Will provide if input data is supplied.
Summary
Orrstown Financial Services Inc. is a community bank focused on providing personalized service and local expertise. Its strengths include strong customer relationships and a diversified revenue stream. However, its weaknesses include a limited geographic footprint and smaller scale compared to larger banks. The bank should focus on expanding into new markets and investing in technology to enhance customer experience.
Similar Companies
FCF
First Commonwealth Financial
FCF
First Commonwealth Financial
FULT
Fulton Financial Corporation
FULT
Fulton Financial Corporation
HFWA
Heritage Financial Corporation
HFWA
Heritage Financial Corporation
PNFP
Pinnacle Financial Partners Inc
PNFP
Pinnacle Financial Partners Inc
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (Requires subscription access)
- Market Data Providers (Requires subscription access)
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data and projections are estimates and may not be accurate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Orrstown Financial Services Inc
Exchange NASDAQ | Headquaters Harrisburg, PA, United States | ||
IPO Launch date 1999-05-13 | President, CEO & Director Mr. Thomas Rodney Quinn Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.orrstown.com |
Full time employees - | Website https://www.orrstown.com | ||
Orrstown Financial Services, Inc. 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. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. Orrstown Financial Services, Inc. was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.
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