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During the past 12 months, Orrstown Financial Services's average EPS without NRIGrowth Rate was 15.50% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 9.60% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 10.70% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 17.60% per year.
During the past 13 years, Orrstown Financial Services's highest 3-Year average EPS without NRI Growth Rate was 42.90% per year. The lowest was -28.70% per year. And the median was 13.80% per year.
Orrstown Financial Services (NAS:ORRF) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Orrstown Financial Services Earnings per Share (Diluted) Related Terms
Orrstown Financial Services Earnings per Share (Diluted) 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.
Orrstown Financial Services Earnings per Share (Diluted) Chart
ORRF vs SMBK, HBIA, HTB: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Orrstown Financial Services's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's PE Ratio distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's PE Ratio falls into.
Orrstown Financial Services Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Orrstown Financial Services's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.37
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $4.37 mean?
Orrstown Financial Services (ORRF) has a Earnings per Share (Diluted) of $4.37 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Orrstown Financial Services and its competitors. According to the industry distribution chart, Orrstown Financial Services ranks #616 out of 1410 companies in the Banks industry, placing it in the top 43.7%.
Is Orrstown Financial Services' Earnings per Share (Diluted) too high?
Orrstown Financial Services' current Earnings per Share (Diluted) is $4.37. The Banks industry median Earnings per Share (Diluted) is 7.30. Orrstown Financial Services' value of $4.37 is 40.1% below this industry median. Based on the distribution chart, Orrstown Financial Services ranks #616 out of 1410 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' Earnings per Share (Diluted) compare to SMBK and HBIA?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #616 out of 1410 companies for Earnings per Share (Diluted). This puts Orrstown Financial Services in the upper half of its industry. The industry median Earnings per Share (Diluted) is 7.30. Orrstown Financial Services' value of $4.37 is 40.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.30, based on 1,410 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orrstown Financial Services's current Earnings per Share (Diluted) of $4.37 is 40.1% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Orrstown Financial Services and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current Earnings per Share (Diluted) is $4.37. 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 $30.26, compared to a current price of $41.26 — trading 36.4% above its estimated fair value. The current Earnings per Share (Diluted) is $4.37 and 40.1% below the Banks industry median of 7.30. 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 Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current Earnings per Share (Diluted) is $4.37 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 $41.26 is trading 36.4% above its estimated GF Value™ of $30.26.
GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.
Key valuation signals for ORRF:
Earnings per Share (Diluted): $4.37
GF Value™: $30.26 vs. price of $41.26 (36.4% above fair value)
Industry Position: 40.1% below the Banks median (#616 of 1410)
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
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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