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Orrstown Financial Services Inc. (ORRF) 12-Month Stock Forecast & Price Target Cone

$44.44 +0.68% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Orrstown Financial Services Inc. (ORRF) earns a Roarable Rating of B (Buy) with 75/100 RQD Confidence. High-quality cash engine (steady margins, 14% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $874.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+7.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ORRF)Realized 20D OHLCV Swing Band: ±5.4%

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your ORRF Position Size: $10,000

Shares at $44.44: 225.0 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $36.44

$8,200

$-1,800 (-18.0%)

12M Consensus BaseTarget $47.84

$10,765

+$765 (+7.7%)

12M Bull Case BreakoutTarget $56.45

$12,703

+$2,703 (+27.0%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (43 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 32● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	OUTPERFORM	$50	74%	A
Goldman SachsSector Coverage Lead	STRONG BUY	$53	69%	B
JP MorganUS Large-Cap Research	HOLD	$42	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (ORRF Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
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ORRF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +20.96%📐 HORIZONTAL RANGE

2026-10-30O $44.76H $44.80L $43.87C $44.44VOL 94.6K

RES: $45.48SUP: $39.08SMA50: $42.12SMA200: $39.23

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ORRF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ORRF Butterfly Map → + Track ORRF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

0.4%/yr Implied 5Y Growth

vs. +36.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ORRF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ORRF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ORRF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ORRF)

Financials Rank #43 of 1096 ⚔️ FCBC vs ORRF Full Matrix →

1. Head-to-Head Financials Peer Comparison (ORRF vs. FCBC, CCBG, MPB, GSBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Orrstown Financial Services Inc. (ORRF) ranks #43 by composite RQD confidence (75/100, grade B) and #581 by equity capitalization ($874.1M). Within this direct 5-issuer industry benchmark cohort, ORRF leads on earnings valuation at 10.8x trailing P/E, while ORRF leads on capital efficiency and profitability with 13.7% ROIC and — gross margin. ORRF currently leads its immediate peer cohort in composite quantitative strength at 75/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ORRF ACTIVE Orrstown Financial Services Inc.	B	75/100	10.8x	—	13.7%	+0.68%	$874.1M	Benchmark Subject
FCBC First Community Bankshares Inc. (VA)	D+	52/100	72.8x	—	2.4%	-1.45%	$875.2M	/fcbc-vs-orrf →
CCBG Capital City Bank Group	B	72/100	14.2x	—	11.1%	+0.73%	$875.9M	/ccbg-vs-orrf →
MPB Mid Penn Bancorp	B-	71/100	15.4x	—	6.9%	+0.21%	$868.7M	/mpb-vs-orrf →
GSBC Great Southern Bancorp Inc.	B	72/100	12.4x	—	11.2%	+0.63%	$881.9M	/gsbc-vs-orrf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000826154

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Orrstown Financial Services Inc. (ORRF) reported GAAP revenue of $37.1M (+36.0% vs. FY2024 revenue of $27.3M , and +90.7% cumulative change since FY2023) , GAAP net income of $80.9M, operating cash flow of $74.7M, and free cash flow of $70.5M (+111.2% YoY). On the balance sheet, ORRF closed FY2025 with $5.54B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$37.1M	$80.9M	$74.7M	$70.5M	$5.54B	—
FY2024 (FY)	2024-12-31	$27.3M	$22.1M	$35.0M	$33.4M	$5.44B	—
FY2023 (FY)	2023-12-31	$19.5M	$35.7M	$43.7M	$43.7M	—	—

3. ORRF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ORRF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Orrstown Financial Services Inc. (NASDAQ: ORRF) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 75/100 at a spot price of $44.44 (+0.68% 1D, market cap $874.1M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, ORRF ranks #43 in composite RQD confidence.

How does ORRF compare to FCBC and CCBG in the Financials sector?

Within the Financials sector (Major Banks), ORRF carries a Roarable B (75/100 RQD), trailing P/E of 10.8x, gross margin of —, and ROIC of 13.7%. By comparison, FCBC (First Community Bankshares Inc. (VA)) holds a D+ grade (52/100 RQD, P/E 72.8x, ROIC 2.4%, cap $875.2M) and CCBG (Capital City Bank Group) posts a B grade (72/100 RQD, P/E 14.2x, ROIC 11.1%, cap $875.9M). Among the 5-stock peer group, ORRF leads on earnings multiple (10.8x) while ORRF leads on capital efficiency (13.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ORRF?

Per ORRF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000826154), Orrstown Financial Services Inc. generated $37.1M in revenue (+36.0% YoY), $80.9M in net income, and $70.5M in free cash flow against $5.54B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ORRF trading relative to its 50-day, 200-day, and 52-week technical levels?

ORRF last traded at $44.44 (+0.68% on volume of 66,411 shares), positioning the stock +5.51% above its 50-day simple moving average ($42.12) and +13.28% above its 200-day simple moving average ($39.23). Across its 52-week range of $32.50 to $45.40, ORRF sits at the 92.6% percentile with a 14-day RSI of 61.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.4% ($42.04 to $46.84).

ORRF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is ORRF's 12-month stock price target?

Orrstown Financial Services Inc. (ORRF) carries a 12-month consensus base price target of $47.84 (+7.7% from $44.44), with a bull-case target of $56.45 and a bear-case floor of $36.44.

Is ORRF stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates ORRF B (Buy — BUY) with an RQD Confidence score of 75/100.

Direct Sub-Reports: ORRF RQD Cockpit ORRF 12M Forecast ORRF Earnings & Move ORRF Dividends & DRIP ORRF Insiders & 13F ORRF Whale Options ORRF Profit Sankey ORRF News & Why