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Orrstown Financial ServicesORRF -3.42%66 Intrinsic Value: Projected FCF is $50.98 as of Aug. 19, 2026, which is 7992% above its 10-year median of 0.63. 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 1,306 Banks companies, Orrstown Financial Services ranks worse than 75.42% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Orrstown Financial Services's Intrinsic Value: Projected FCF or its related term are showing as below:
ORRF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.4 Med: 0.63 Max: 0.93
Current: 0.82
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Orrstown Financial Services was 0.93. The lowest was 0.40. And the median was 0.63.
ORRF's Price-to-Projected-FCF is ranked worse than 75.42% of 1306
companies
in the Banks industry
Industry Median: 0.59
vs ORRF: 0.82
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Orrstown Financial Services's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
41.76
/
50.975623039794
=
0.82
* 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 Intrinsic Value: Projected FCF Related Terms
Orrstown Financial Services Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Orrstown Financial Services's Intrinsic Value: Projected FCF 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.
ORRF vs SPFI, ALRS, PGC: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Orrstown Financial Services's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $50.98 mean?
Orrstown Financial Services (ORRF) has a Intrinsic Value: Projected FCF of $50.98 as of Aug. 19, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Orrstown Financial Services and its competitors. This is 7992% above median its historical median of 0.63. Over the past decade, Orrstown Financial Services' Intrinsic Value: Projected FCF has ranged from 0.40 to 0.93. According to the industry distribution chart, Orrstown Financial Services ranks #985 out of 1306 companies in the Banks industry, placing it in the top 75.4%.
Is Orrstown Financial Services' Intrinsic Value: Projected FCF too high?
Orrstown Financial Services' current Intrinsic Value: Projected FCF of $50.98 is 7992% above median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 0.93. The Banks industry median Intrinsic Value: Projected FCF is 0.59. Orrstown Financial Services' value of $50.98 is 8540.7% above this industry median. Based on the distribution chart, Orrstown Financial Services ranks #985 out of 1306 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' Intrinsic Value: Projected FCF compare to SPFI and ALRS?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #985 out of 1306 companies for Intrinsic Value: Projected FCF. This places Orrstown Financial Services in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. Orrstown Financial Services' value of $50.98 is 8540.7% above this benchmark. Historically, Orrstown Financial Services' own Intrinsic Value: Projected FCF has ranged from 0.40 to 0.93 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 0.59, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,306 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orrstown Financial Services's current Intrinsic Value: Projected FCF of $50.98 is 8540.7% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Orrstown Financial Services and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current Intrinsic Value: Projected FCF is $50.98, which is 7992% above median its own 10-year median of 0.63. 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 Intrinsic Value: Projected FCF is $50.98, which is 7992% above median its 10-year median of 0.63 and 8540.7% above the Banks industry median of 0.59. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current Intrinsic Value: Projected FCF is $50.98 as of Aug. 19, 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:
Intrinsic Value: Projected FCF: $50.98 (7992% above median its 10-year median of 0.63)
GF Value™: $33.19 vs. price of $41.76 (25.8% above fair value)
Industry Position: 8540.7% above the Banks median (#985 of 1306)
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
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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