ORRF (Orrstown Financial Services) Enterprise Value: $881.9 Mil (As of Jun. 24, 2026) ***


ORRF Orrstown Financial Services Inc ORRF
66 GF Score
Price $40.67
GF Value $30.87
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Orrstown Financial Services Enterprise Value?

Orrstown Financial Services ORRF +2.34% 66 Enterprise Value is $881.9 Mil as of Jun. 24, 2026. GuruFocus rates ORRF with a GF Score™ of 66/100 and a GF Value™ of $30.87 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.

EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. This ratio does not apply to banks.

EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. This ratio does not apply to banks.

EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, Orrstown Financial Services's Enterprise Value is $881.9 Mil. Orrstown Financial Services's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 was $252.6 Mil. Therefore, Orrstown Financial Services's EV-to-Revenue ratio for today is 3.49.

EV-to-OCF is calculated as Enterprise Value divided by its Cash Flow from Operations. As of today, Orrstown Financial Services's Enterprise Value is $881.9 Mil. Orrstown Financial Services's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $89.3 Mil. Therefore, Orrstown Financial Services's EV-to-OCF ratio for today is 9.87.

EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, Orrstown Financial Services's Enterprise Value is $881.9 Mil. Orrstown Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $87.0 Mil. Therefore, Orrstown Financial Services's EV-to-FCF ratio for today is 10.14.

*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.


Orrstown Financial Services  (NAS:ORRF) Enterprise Value Explanation

When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.

If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.

The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.

For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.

Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.

1. EV-to-Revenue is calculated as Enterprise Value divided by its Revenue.

Orrstown Financial Services's EV-to-Revenue for today is:

EV-to-Revenue=Enterprise Value (Today)/Revenue (TTM)
=881.910/252.646
=3.49

Orrstown Financial Services's current Enterprise Value is $881.9 Mil.
Orrstown Financial Services's Revenue 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 $252.6 Mil.

2. EV-to-OCF is calculated as Enterprise Value divided by its Cash Flow from Operations.

Orrstown Financial Services's EV-to-OCF for today is:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=881.910/89.318
=9.87

Orrstown Financial Services's current Enterprise Value is $881.9 Mil.
Orrstown Financial Services's Cash Flow from Operations 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 $89.3 Mil.

3. EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow.

Orrstown Financial Services's EV-to-FCF for today is:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=881.910/86.976
=10.14

Orrstown Financial Services's current Enterprise Value is $881.9 Mil.
Orrstown Financial Services's Free Cash Flow 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 $87.0 Mil.

* 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 Enterprise Value Related Terms


Orrstown Financial Services Enterprise Value Historical Data

* Premium members only.

The historical data trend for Orrstown Financial Services's Enterprise Value can be seen below:

* 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 Enterprise Value Chart

Orrstown Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Enterprise Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 106.96 324.48 417.49 645.04 852.99

Orrstown Financial Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Enterprise Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 467.57 677.81 724.69 852.99 790.40

ORRF vs ALRS, FISI, SMBK: Enterprise Value Comparison

For the Banks - Regional subindustry, Orrstown Financial Services's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Banks Industry

For the Banks industry and Financial Services sector, Orrstown Financial Services's Enterprise Value distribution charts can be found below:

* The bar in red indicates where Orrstown Financial Services's Enterprise Value falls into.


ORRF
66GF Score
Orrstown Financial Services Inc ORRF
Enterprise Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Orrstown Financial Services Enterprise Value Calculation

Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.

Orrstown Financial Services's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as

Orrstown Financial Services's Enterprise Value for the quarter that ended in Mar. 2026 is calculated as

* 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.

Frequently Asked Questions Learn more about Enterprise Value →
What does a Enterprise Value of $881.9 Mil mean?
Orrstown Financial Services (ORRF) has a Enterprise Value of $881.9 Mil as of Jun. 24, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Orrstown Financial Services and its competitors.
Is Orrstown Financial Services' Enterprise Value too high?
Orrstown Financial Services' current Enterprise Value is $881.9 Mil. 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' Enterprise Value compare to ALRS and FISI?
Orrstown Financial Services' Enterprise Value of $881.9 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Enterprise Value for a Banks company?
A good Enterprise Value depends on the Banks industry context. However, Enterprise Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Orrstown Financial Services and its competitors. Orrstown Financial Services's current Enterprise Value is $881.9 Mil. 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 $30.87, compared to a current price of $40.67 — trading 31.7% above its estimated fair value. The current Enterprise Value is $881.9 Mil. 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current Enterprise Value is $881.9 Mil as of Jun. 24, 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 $40.67 is trading 31.7% above its estimated GF Value™ of $30.87. GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.

Key valuation signals for ORRF:

  • Enterprise Value: $881.9 Mil
  • GF Value™: $30.87 vs. price of $40.67 (31.7% 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

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

$40.67
Price
$30.87
GF Value