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Orrstown Financial ServicesORRF -3.42%66 3-Year Dividend Growth Rate is 11.70% as of Jun. 2026, which is 25% below its 10-year median of 15.70. GuruFocus rates ORRF with a GF Score™ of 66/100 and a GF Value™ of $33.19 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 962 Banks companies, Orrstown Financial Services ranks better than 54.05% on this metric.
The historical rank and industry rank for Orrstown Financial Services's 3-Year Dividend Growth Rate or its related term are showing as below:
ORRF'
s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -7.4 Med: 15.7 Max: 48.8
Current: 11.7
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Orrstown Financial Services was 48.80% per year. The lowest was -7.40% per year. And the median was 15.70% per year.
ORRF's 3-Year Dividend Growth Rate is ranked better than 54.05% of 962
companies
in the Banks industry
Industry Median: 10.1
vs ORRF: 11.70
During the past 12 months, Orrstown Financial Services's average Dividends Per Share Growth Rate was 16.30% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 11.70% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 8.10% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 14.00% 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 dividends per share growth rate.
During the past 13 years, the highest Dividend Payout Ratio of Orrstown Financial Services was 0.43. The lowest was 0.23. And the median was 0.25.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
Orrstown Financial Services Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
USD 0.300000
2026-08-04
2026-08-04
2026-08-11
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.300000
2026-05-05
2026-05-05
2026-05-12
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.300000
2026-02-10
2026-02-10
2026-02-17
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.270000
2025-11-05
2025-11-05
2025-11-12
Cash Dividend
quarterly
USD:USD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Orrstown Financial Services's Dividend Yield (%) for Today is calculated as
Current Share Price is $41.76.
Orrstown Financial Services's Dividends per Share for the trailing twelve months (TTM) ended in Today is $1.17.
During the past 13 years, the highest Dividend Yield of Orrstown Financial Services was 5.15%. The lowest was 1.42%. And the median was 2.85%.
* 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 3-Year Dividend Growth Rate Related Terms>
ORRF vs SPFI, ALRS, PGC: 3-Year Dividend Growth Rate Comparison
For the Banks - Regional subindustry, Orrstown Financial Services's 3-Year Dividend Growth Rate, along with its competitors' market caps and 3-Year Dividend 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 Dividend Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's 3-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's 3-Year Dividend Growth Rate falls into.
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with expontential compound 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 dividends per share growth rate.
What does a 3-Year Dividend Growth Rate of 11.70% mean?
Orrstown Financial Services (ORRF) has a 3-Year Dividend Growth Rate of 11.70% as of Jun. 2026. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Orrstown Financial Services and its competitors. This is 25% below median its historical median of 15.70. According to the industry distribution chart, Orrstown Financial Services ranks #442 out of 962 companies in the Banks industry, placing it in the top 45.9%.
Is Orrstown Financial Services' 3-Year Dividend Growth Rate too high?
Orrstown Financial Services' current 3-Year Dividend Growth Rate of 11.70% is 25% below median its 10-year median of 15.70. The Banks industry median 3-Year Dividend Growth Rate is 10.10. Orrstown Financial Services' value of 11.70% is 15.8% above this industry median. Based on the distribution chart, Orrstown Financial Services ranks #442 out of 962 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 Dividend Growth Rate compare to SPFI and ALRS?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #442 out of 962 companies for 3-Year Dividend Growth Rate. This puts Orrstown Financial Services in the upper half of its industry. The industry median 3-Year Dividend Growth Rate is 10.10. Orrstown Financial Services' value of 11.70% is 15.8% above this benchmark. While the company's 10-year median is 15.70 vs. the industry median of 10.10, 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 Dividend Growth Rate for a Banks company?
The median 3-Year Dividend Growth Rate among Banks companies is 10.10, based on 962 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Dividend 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 Dividend Growth Rate of 11.70% is 15.8% 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 Dividend Growth Rate mean?
A high 3-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Orrstown Financial Services and its competitors. For the Banks industry, the median 3-Year Dividend Growth Rate is 10.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current 3-Year Dividend Growth Rate is 11.70%, which is 25% below median its own 10-year median of 15.70. 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 $33.19, compared to a current price of $41.76 — trading 25.8% above its estimated fair value. The current 3-Year Dividend Growth Rate is 11.70%, which is 25% below median its 10-year median of 15.70 and 15.8% above the Banks industry median of 10.10. 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 Dividend Growth Rate calculated?
3-Year Dividend Growth Rate is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current 3-Year Dividend Growth Rate is 11.70% 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 $41.76 is trading 25.8% above its estimated GF Value™ of $33.19.
GuruFocus considers Orrstown Financial Services to be Modestly Overvalued.
Key valuation signals for ORRF:
3-Year Dividend Growth Rate: 11.70% (25% below median its 10-year median of 15.70)
GF Value™: $33.19 vs. price of $41.76 (25.8% above fair value)
Industry Position: 15.8% above the Banks median (#442 of 962)
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
3-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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