What Is Orrstown Financial Services, In (ORRF) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Orrstown Financial Services, In's intrinsic value is estimated at a composite fair value of $54.71. While the stock appears modestly undervalued at $40.42 (implied upside of +35.4%), our analysis suggests a thinner margin of safety across 7 of 12 bullish models. Notably, Bayesian DCF sees the most upside at +151.9% (fair value: $101.81), while EPV is the most conservative at -74.4% ($10.33). The spread between these extremes — +226.3% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About ORRF?
12 of 13 models are currently active for ORRF. Of these, 8 models suggest upside while 4 models suggest overvaluation. The Bayesian DCF estimates ORRF's intrinsic value at $101.81, implying +151.9% upside from the current price. See which stocks rank higher →
How Does ORRF Rank in State Commercial Banks?
Among 172 State Commercial Banks stocks, ORRF ranks #87 by Quality of Company score. CirclFi's QOC score of 8.2/10 evaluates 32 fundamental signals. A score of 8.2 places ORRF in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
As a financial institution, Orrstown Financial Services, In operates in a sector where net interest margin (NIM) is a critical driver of valuation. Investors evaluating ORRF should weigh these sector-specific dynamics alongside our model-derived fair values.
Is ORRF a Value Trap?
CirclFi's Value Trap algorithm assigns ORRF a score of 26/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Orrstown Financial Services, In. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, Orrstown Financial Services, In's fundamental quality profile registers 8.2/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +226.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every ORRF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across ORRF's 12 active models, average confidence is 44%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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