ORRF (Orrstown Financial Services) Debt-to-EBITDA

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ORRF Orrstown Financial Services Inc ORRF
66 GF Score
Price $40.71
GF Value $30.47
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Orrstown Financial Services Debt-to-EBITDA?

Debt-to-EBITDA does not apply to banks.

ORRF
66GF Score
Orrstown Financial Services Inc ORRF
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $40.71 is trading 33.6% above its estimated GF Value™ of $30.47. GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.

Key valuation signals for ORRF:

  • Debt-to-EBITDA:
  • GF Value™: $30.47 vs. price of $40.71 (33.6% above fair value)
  • GF Score™: 66/100 with 5 warning signs

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 Business Description

Address 4750 Lindle Road, Harrisburg, PA, USA, 17111
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

Get the complete analysis for ORRF

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.71
Price
$30.47
GF Value