Orrstown Financial Services has the GF Score of 66, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Orrstown Financial Services
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Orrstown Financial Services GF Score Related Terms
ORRF vs ALRS, FISI, SMBK: GF Score Comparison
For the Banks - Regional subindustry, Orrstown Financial Services's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's GF Score distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's GF Score falls into.
Orrstown Financial Services (ORRF) has a GF Score of 66 as of Jun. 25, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Orrstown Financial Services and its competitors. This is 11% below median its historical median of 74.00. Over the past decade, Orrstown Financial Services' GF Score has ranged from 52.00 to 84.00.
Is Orrstown Financial Services' GF Score too high?
Orrstown Financial Services' current GF Score of 66 is 11% below median its 10-year median of 74.00. Over the past 10 years, this metric has ranged from a low of 52.00 to a high of 84.00. 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' GF Score compare to ALRS and FISI?
Orrstown Financial Services' GF Score of 66 can be compared against companies in the Banks industry. Historically, Orrstown Financial Services' own GF Score has ranged from 52.00 to 84.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Orrstown Financial Services and its competitors. Orrstown Financial Services's current GF Score is 66, which is 11% below median its own 10-year median of 74.00. 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 $30.85, compared to a current price of $40.74 — trading 32.1% above its estimated fair value. The current GF Score is 66, which is 11% below median its 10-year median of 74.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current GF Score is 66 as of Jun. 25, 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 $40.74 is trading 32.1% above its estimated GF Value™ of $30.85.
GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.
Key valuation signals for ORRF:
GF Score: 66 (11% below median its 10-year median of 74.00)
GF Value™: $30.85 vs. price of $40.74 (32.1% above fair value)
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
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