CATALYSTSeekingAlpha • 2d ago
Dividend Champion, Contender, And Challenger Highlights: Week November 1Get a weekly dividend summary for Champions, Contenders, and Challengers.
Why ORRF Stock advanced +0.68% Today — RQD Quant Desk Flash
$44.44 +0.68% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $44.60
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
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $44.60 (+0.36%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 189.8% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate).
Audit Bucket Track Record →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%
Deterministic 5-Pillar Attribution (75/100 Composite)
🔍 WHY ORRF SCORES 75/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (24% of score)
FRED Regime × Technicals: 93% of 52W Range • RSI-14 at 61.3 (BULLISH MOMENTUM)
▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (23% of score)
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade B-$40.90+1.9% Next Q
67
Q2 (-2Q)Grade B$41.66+6.3% Next Q
70
Q3 (-1Q)Grade B$44.29+0.3% Next Q
72
CurrentGrade B$44.44+7.4% Hist 90D α
75
Trajectory: B- (67) → B (75)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the ORRF Bull Thesis Could Fail
Even with a 75/100 (B) score, ORRF faces multiple-compression risk if 10.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($42.12) or 200D SMA ($39.23) invalidates the momentum regime and cuts Target Base ($47.84) toward Bear Floor ($36.44).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $ORRF• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “ORRF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why ORRF Stock advanced +0.68% Today — RQD Quant Desk Flash
Orrstown Financial Services Inc. (ORRF) advanced +0.68% to $44.44, trading at 93% of its 52-week range ($32.5 – $45.4). High-quality cash engine (steady margins, 14% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 93% of its 52-week range ($32.5 – $45.4) with RSI-14 at 61.3 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.4% around $44.44 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B (Buy) backed by 52% gross margin and $70.5M annual free cash flow.
Live ORRF Headlines & Catalysts
MARKET WIREYahoo • 6d ago
Orrstown Financial Services Named to the Fortune 100 Fastest-Growing Companies ListHARRISBURG, Pa., Oct. 26, 2026 (GLOBE NEWSWIRE) -- Orrstown Financial Services, Inc., the parent company of Orrstown Bank, today announced it has been named to the Fortune 100 Fastest-Growing Companies™ 2026 list, earnin
CATALYSTYahoo • 10d ago
Orrstown Financial Services (ORRF) Stock Price Ignores Strong Q3 EarningsOrrstown Financial Services just posted its Q3 2026 scorecard, and the share price barely flinched. The stock is up about 1.9% on the day, which looks tame next to what the bank actually reported. Net income of US$22.8 m
CATALYSTYahoo • 10d ago
Orrstown: 3 Key Takeaways for Long-Term InvestorsThe bank's organic loan growth is now replacing merger-related income, a shift that tests whether it can sustain profitable growth on its own.
CATALYSTYahoo • 11d ago
Orrstown (ORRF) Q3 2026 Earnings Call TranscriptNet income rose to $22.8 million as efficiency improved and loan growth accelerated.
CATALYSTYahoo • 11d ago
Orrstown Financial Services Q3 Earnings Call HighlightsOrrstown Financial Services (NASDAQ:ORRF) reported third-quarter 2026 net income of $22.8 million, or $1.17 per diluted share, as higher net interest income, loan growth and expense discipline supported improved profitab
MARKET WIREYahoo • 11d ago
Orrstown Financial Services, Inc. Q3 2026 Earnings Call SummaryMoby summary of Orrstown Financial Services, Inc.'s Q3 2026 earnings call
MARKET WIREBenzinga • 11d ago
Orrstown Financial Servs Q3 2026 Earnings Call TranscriptOrrstown Financial Servs (NASDAQ:ORRF) reported third-quarter financial results on Wednesday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by
MARKET WIREYahoo • 12d ago
Compared to Estimates, Orrstown (ORRF) Q3 Earnings: A Look at Key MetricsWhile the top- and bottom-line numbers for Orrstown (ORRF) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street e
CATALYSTYahoo • 12d ago
Orrstown Financial Services (ORRF) Beats Q3 Earnings and Revenue EstimatesOrrstown (ORRF) delivered earnings and revenue surprises of +6.36% and +1.06%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
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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RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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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
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 0000826154In 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 ENABLEDIs 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 × FREDWhy is ORRF stock moving today?
Why ORRF Stock advanced +0.68% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 14% return on capital) with steady institutional support.