Orrstown Financial ServicesORRF +0.83%66 Debt-to-Equity is 0.40 as of Mar. 2026, which is 30% below its 10-year median of 0.57. GuruFocus rates ORRF with a GF Score™ of 66/100 and a GF Value™ of $30.52 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,421 Banks companies, Orrstown Financial Services ranks better than 60.59% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Orrstown Financial Services's Debt-to-Equity or its related term are showing as below:
ORRF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.13 Med: 0.57 Max: 1.25
Current: 0.4
During the past 13 years, the highest Debt-to-Equity Ratio of Orrstown Financial Services was 1.25. The lowest was 0.13. And the median was 0.57.
ORRF's Debt-to-Equity is ranked better than 60.59% of 1421
companies
in the Banks industry
Industry Median: 0.56
vs ORRF: 0.40
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Orrstown Financial Services Debt-to-Equity Related Terms
Orrstown Financial Services Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ORRF vs SMBK, HBIA, HTB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Orrstown Financial Services's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Orrstown Financial Services (ORRF) has a Debt-to-Equity of 0.40 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Orrstown Financial Services and its competitors. This is 30% below median its historical median of 0.57. Over the past decade, Orrstown Financial Services' Debt-to-Equity has ranged from 0.13 to 1.25. According to the industry distribution chart, Orrstown Financial Services ranks #560 out of 1421 companies in the Banks industry, placing it in the top 39.4%.
Is Orrstown Financial Services' Debt-to-Equity too high?
Orrstown Financial Services' current Debt-to-Equity of 0.40 is 30% below median its 10-year median of 0.57. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 1.25. The Banks industry median Debt-to-Equity is 0.56. Orrstown Financial Services' value of 0.40 is 28.6% below this industry median. Based on the distribution chart, Orrstown Financial Services ranks #560 out of 1421 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Orrstown Financial Services' Debt-to-Equity compare to SMBK and HBIA?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #560 out of 1421 companies for Debt-to-Equity. This puts Orrstown Financial Services in the upper half of its industry. The industry median Debt-to-Equity is 0.56. Orrstown Financial Services' value of 0.40 is 28.6% below this benchmark. Historically, Orrstown Financial Services' own Debt-to-Equity has ranged from 0.13 to 1.25 over the past decade. While the company's 10-year median is 0.57 vs. the industry median of 0.56, Orrstown Financial Services has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orrstown Financial Services's current Debt-to-Equity of 0.40 is 28.6% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Orrstown Financial Services and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current Debt-to-Equity is 0.40, which is 30% below median its own 10-year median of 0.57. 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 Significantly Overvalued. The stock's GF Value™ is $30.52, compared to a current price of $40.26 — trading 31.9% above its estimated fair value. The current Debt-to-Equity is 0.40, which is 30% below median its 10-year median of 0.57 and 28.6% below the Banks industry median of 0.56. Orrstown Financial Services' overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current Debt-to-Equity is 0.40 as of Mar. 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 $40.26 is trading 31.9% above its estimated GF Value™ of $30.52.
GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.
Key valuation signals for ORRF:
Debt-to-Equity: 0.40 (30% below median its 10-year median of 0.57)
GF Value™: $30.52 vs. price of $40.26 (31.9% above fair value)
Industry Position: 28.6% below the Banks median (#560 of 1421)
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
Get the complete analysis for ORRF
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ORRF has been successfully added to your 
