ORRF
Orrstown Financial Services
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: ORRF
- PE Ratio
The current PE ratio for Orrstown Financial Services stock as of Jun 22, 2026 is 8.88. This is calculated based on the current EPS of $4.4 and the stock price of $39.09 per share. The P/E ratio has a decrease of 8% from the past four quarters average of 9.6.
ORRF PE ratio history
The average historical PE ratio of Orrstown Financial Services for the last ten years is 13.65. The current PE ratio of 8.88 is 35% below the historical average. Over the past ten years, ORRF's PE ratio was at its highest in the Mar 2017 quarter at 29.8, when the stock price was $22.35 and the EPS was $0.75. The lowest value was in the Sep 2023 quarter, when it reached 5.8 with a price of $21.01 and an EPS of $3.62.
Orrstown Financial Services PE ratio by year
Maximum annual increase: 287.97% in 2015
Maximum annual decrease: -65.77% in 2025
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 8.41 | -65.77% | $35.42 | $4.21 |
| 2024 | 24.57 | 187.37% | $36.61 | $1.49 |
| 2023 | 8.55 | -22.83% | $29.5 | $3.45 |
| 2022 | 11.08 | 31.9% | $23.16 | $2.09 |
| 2021 | 8.4 | 22.81% | $25.2 | $3 |
| 2020 | 6.84 | -50.72% | $16.55 | $2.42 |
| 2019 | 13.88 | 16.64% | $22.62 | $1.63 |
| 2018 | 11.9 | -52.87% | $18.21 | $1.53 |
| 2017 | 25.25 | -7.58% | $25.25 | $1 |
| 2016 | 27.32 | 48.56% | $22.4 | $0.82 |
| 2015 | 18.39 | 287.97% | $17.84 | $0.97 |
| 2014 | 4.74 | -64.06% | $17 | $3.59 |
| 2013 | 13.19 | N/A | $16.35 | $1.24 |
| 2012 | N/A | N/A | $9.64 | -$4.77 |
| 2011 | N/A | N/A | $8.25 | -$3.98 |
Orrstown Financial Services PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 8.2 | -2.5% | $36.08 | $4.4 |
| Dec 2025 | 8.41 | -2.21% | $35.42 | $4.21 |
| Sep 2025 | 8.6 | -35.14% | $33.98 | $3.95 |
| Jun 2025 | 13.26 | -5.89% | $31.83 | $2.4 |
| Mar 2025 | 14.09 | -42.65% | $30.01 | $2.13 |
| Dec 2024 | 24.57 | 29.11% | $36.61 | $1.49 |
| Sep 2024 | 19.03 | 120.51% | $35.96 | $1.89 |
| Jun 2024 | 8.63 | 8.96% | $27.36 | $3.17 |
| Mar 2024 | 7.92 | -7.37% | $26.77 | $3.38 |
| Dec 2023 | 8.55 | 47.41% | $29.5 | $3.45 |
| Sep 2023 | 5.8 | -30.95% | $21.01 | $3.62 |
| Jun 2023 | 8.4 | -8.2% | $19.15 | $2.28 |
| Mar 2023 | 9.15 | -17.42% | $19.86 | $2.17 |
| Dec 2022 | 11.08 | -18.47% | $23.16 | $2.09 |
| Sep 2022 | 13.59 | 62.56% | $23.92 | $1.76 |
ORRF Price vs fair value
ORRF average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of ORRF is below the 3, 5 and 10-year averages.
PE comparison
Orrstown Financial Services's P/E of 8.88 is below the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 12.78, Orrstown Financial Services's P/E is 31% lower.
ORRF PE vs peers
Compared to its peer stocks STBA and UVSP, ORRF's PE ratio stands lower. Orrstown Financial Services's PE ratio is trading below the peer group average of 13.94.
| Stock name | PE ratio | Market cap |
|---|---|---|
| ORRF Orrstown Financial Services Inc | 9.03 | $781M |
| NWFL Norwood Financial Corp | 11.48 | $337.61M |
| ACNB Acnb Corp | 11.9 | $595.26M |
| UVSP UNIVEST FINANCIAL Corp | 12.8 | $1.19B |
| STBA S&T Bancorp Inc | 13.45 | $1.73B |
| MPB Mid Penn Bancorp Inc | 15.18 | $861.73M |
| CZNC Citizens & Northern Corp | 20.45 | $395.78M |
Frequently asked questions
What is Orrstown Financial Services's PE ratio?
The price to earnings ratio for ORRF stock is 8.88 as of Jun 22, 2026.
What is the 3-year average PE ratio for Orrstown Financial Services (ORRF)?
The 3-year average PE ratio for ORRF stock is 11.29.
What is the 5-year average PE ratio for Orrstown Financial Services (ORRF)?
The 5-year average PE ratio for ORRF stock is 10.43.
What is the highest PE ratio for ORRF?
The highest quarterly PE ratio in the last ten years has been 29.8 and it was in the Mar 2017 quarter.
How does the current PE ratio for ORRF compare to its historical average?
The current price to earnings ratio of ORRF is 35% lower than the 10-year historical average.
Why is Orrstown Financial Services's PE ratio so low?
ORRF's PE ratio is low because its earnings per share (EPS) is high relative to its stock price.
How is ORRF's PE ratio calculated (Orrstown Financial Services PE ratio formula)?
The PE ratio is calculated by taking the latest stock price and dividing it by the EPS for the last 12 months. As of today (Jun 22, 2026), Orrstown Financial Services's stock price is $39.09. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $4.4. Therefore, Orrstown Financial Services's P/E ratio for today is 8.88. PE RATIO(8.88) = STOCK PRICE($39.09) / TTM EPS($4.4)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.