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Orrstown Financial ServicesORRF -0.32%66 3-Year Book Growth Rate is 12.20% as of Jun. 2026, which is 8% above its 10-year median of 11.30. GuruFocus rates ORRF with a GF Score™ of 66/100 and a GF Value™ of $33.27 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,498 Banks companies, Orrstown Financial Services ranks better than 69.16% on this metric.
During the past 12 months, Orrstown Financial Services's average Book Value per Share Growth Rate was 12.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 12.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.00% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Orrstown Financial Services was 21.90% per year. The lowest was -17.50% per year. And the median was 11.30% per year.
Orrstown Financial Services (NAS:ORRF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Orrstown Financial Services 3-Year Book Growth Rate Related Terms
ORRF vs SPFI, ALRS, PGC: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Orrstown Financial Services's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Orrstown Financial Services 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's 3-Year Book Growth Rate falls into.
Orrstown Financial Services 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 12.20% mean?
Orrstown Financial Services (ORRF) has a 3-Year Book Growth Rate of 12.20% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Orrstown Financial Services and its competitors. This is near median its historical median of 11.30. According to the industry distribution chart, Orrstown Financial Services ranks #462 out of 1498 companies in the Banks industry, placing it in the top 30.8%.
Is Orrstown Financial Services' 3-Year Book Growth Rate too high?
Orrstown Financial Services' current 3-Year Book Growth Rate of 12.20% is near median its 10-year median of 11.30. The Banks industry median 3-Year Book Growth Rate is 8.75. Orrstown Financial Services' value of 12.20% is 39.4% above this industry median. Based on the distribution chart, Orrstown Financial Services ranks #462 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, Orrstown Financial Services has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Orrstown Financial Services' 3-Year Book Growth Rate compare to SPFI and ALRS?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #462 out of 1498 companies for 3-Year Book Growth Rate. This puts Orrstown Financial Services in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.75. Orrstown Financial Services' value of 12.20% is 39.4% above this benchmark. While the company's 10-year median is 11.30 vs. the industry median of 8.75, Orrstown Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.75, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orrstown Financial Services's current 3-Year Book Growth Rate of 12.20% is 39.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Orrstown Financial Services and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current 3-Year Book Growth Rate is 12.20%, which is near median its own 10-year median of 11.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Orrstown Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Orrstown Financial Services (ORRF) is currently considered Modestly Overvalued. The stock's GF Value™ is $33.27, compared to a current price of $43.34 — trading 30.3% above its estimated fair value. The current 3-Year Book Growth Rate is 12.20%, which is near median its 10-year median of 11.30 and 39.4% above the Banks industry median of 8.75. Orrstown Financial Services' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current 3-Year Book Growth Rate is 12.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Orrstown Financial Services (ORRF) Overvalued in 2026?
Based on GuruFocus' analysis, Orrstown Financial Services stock appears to be overvalued.
The current stock price of $43.34 is trading 30.3% above its estimated GF Value™ of $33.27.
GuruFocus considers Orrstown Financial Services to be Modestly Overvalued.
Key valuation signals for ORRF:
3-Year Book Growth Rate: 12.20% (near median its 10-year median of 11.30)
GF Value™: $33.27 vs. price of $43.34 (30.3% above fair value)
Industry Position: 39.4% above the Banks median (#462 of 1498)
No single metric tells the full story. See the ORRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Orrstown Financial Services Inc is a financial holding company. Through its subsidiaries, it operates in the community banking segment and engages in lending activities, including commercial, residential, commercial mortgages, construction, municipal, and various forms of consumer lending and deposit services, including checking, savings, time, and money market deposits. The Group also provides fiduciary, investment advisory, insurance, and brokerage services. It offers services to individuals, professionals, small businesses, and other enterprises across different locations in the United States through its branch network and client service centers.
66GF Score
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