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Orrstown Financial ServicesORRF +0.14%68 3-Year EPS without NRI Growth Rate is 9.60% as of Jun. 2026, which is 30% below its 10-year median of 13.80. GuruFocus rates ORRF with a GF Score™ of 68/100 and a GF Value™ of $34.60 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,411 Banks companies, Orrstown Financial Services ranks better than 56.13% on this metric.
During the past 12 months, Orrstown Financial Services's average EPS without NRI Growth Rate was 10.70% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 9.60% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 10.70% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 17.60% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Orrstown Financial Services was 42.90% per year. The lowest was -28.70% per year. And the median was 13.80% per year.
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Orrstown Financial Services 3-Year EPS without NRI Growth Rate Related Terms
ORRF vs SPFI, ALRS, PGC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Orrstown Financial Services's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's 3-Year EPS without NRI Growth Rate falls into.
Orrstown Financial Services 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 9.60% mean?
Orrstown Financial Services (ORRF) has a 3-Year EPS without NRI Growth Rate of 9.60% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Orrstown Financial Services and its competitors. This is 30% below median its historical median of 13.80. According to the industry distribution chart, Orrstown Financial Services ranks #619 out of 1411 companies in the Banks industry, placing it in the top 43.9%.
Is Orrstown Financial Services' 3-Year EPS without NRI Growth Rate too high?
Orrstown Financial Services' current 3-Year EPS without NRI Growth Rate of 9.60% is 30% below median its 10-year median of 13.80. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.40. Orrstown Financial Services' value of 9.60% is 29.7% above this industry median. Based on the distribution chart, Orrstown Financial Services ranks #619 out of 1411 companies in the Banks industry, which is above the industry midpoint. Overall, Orrstown Financial Services has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Orrstown Financial Services' 3-Year EPS without NRI Growth Rate compare to SPFI and ALRS?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #619 out of 1411 companies for 3-Year EPS without NRI Growth Rate. This puts Orrstown Financial Services in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.40. Orrstown Financial Services' value of 9.60% is 29.7% above this benchmark. While the company's 10-year median is 13.80 vs. the industry median of 7.40, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.40, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 9.60% is 29.7% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Orrstown Financial Services and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current 3-Year EPS without NRI Growth Rate is 9.60%, which is 30% below median its own 10-year median of 13.80. 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 $34.60, compared to a current price of $42.55 — trading 23% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 9.60%, which is 30% below median its 10-year median of 13.80 and 29.7% above the Banks industry median of 7.40. Orrstown Financial Services' overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current 3-Year EPS without NRI Growth Rate is 9.60% 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 $42.55 is trading 23% above its estimated GF Value™ of $34.60.
GuruFocus considers Orrstown Financial Services to be Modestly Overvalued.
Key valuation signals for ORRF:
3-Year EPS without NRI Growth Rate: 9.60% (30% below median its 10-year median of 13.80)
GF Value™: $34.60 vs. price of $42.55 (23% above fair value)
Industry Position: 29.7% above the Banks median (#619 of 1411)
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.
68GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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