ORRF (Orrstown Financial Services) Long-Term Debt: $244.0 Mil (As of Mar. 2026)


ORRF Orrstown Financial Services Inc ORRF
66 GF Score
Price $41.02
GF Value $30.82
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Orrstown Financial Services Long-Term Debt?

Orrstown Financial Services ORRF +1.23% 66 Long-Term Debt is $244.0 Mil as of Mar. 2026. GuruFocus rates ORRF with a GF Score™ of 66/100 and a GF Value™ of $30.82 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Orrstown Financial Services's Long-Term Debt for the quarter that ended in Mar. 2026 was $244.0 Mil.

Orrstown Financial Services's quarterly Long-Term Debt increased from Sep. 2025 ($246.2 Mil) to Dec. 2025 ($311.8 Mil) but then declined from Dec. 2025 ($311.8 Mil) to Mar. 2026 ($244.0 Mil).

Orrstown Financial Services's annual Long-Term Debt increased from Dec. 2023 ($169.6 Mil) to Dec. 2024 ($184.0 Mil) and increased from Dec. 2024 ($184.0 Mil) to Dec. 2025 ($311.8 Mil).

Orrstown Financial Services  (NAS:ORRF) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Orrstown Financial Services Long-Term Debt Related Terms

Orrstown Financial Services Long-Term Debt Historical Data

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The historical data trend for Orrstown Financial Services's Long-Term Debt 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 Long-Term Debt Chart

Orrstown Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 33.86 138.17 169.59 184.04 311.82

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
Long-Term Debt 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 169.20 205.36 246.19 311.82 243.97
ORRF
66GF Score
Orrstown Financial Services Inc ORRF
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $244.0 Mil mean?
Orrstown Financial Services (ORRF) has a Long-Term Debt of $244.0 Mil as of Mar. 2026.
Is Orrstown Financial Services' Long-Term Debt too high?
Orrstown Financial Services' current Long-Term Debt is $244.0 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' Long-Term Debt compare to SMBK and HBIA?
Orrstown Financial Services' Long-Term Debt of $244.0 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Orrstown Financial Services's current Long-Term Debt is $244.0 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 $30.82, compared to a current price of $41.02 — trading 33.1% above its estimated fair value. The current Long-Term Debt is $244.0 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current Long-Term Debt is $244.0 Mil 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 $41.02 is trading 33.1% above its estimated GF Value™ of $30.82. GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.

Key valuation signals for ORRF:

  • Long-Term Debt: $244.0 Mil
  • GF Value™: $30.82 vs. price of $41.02 (33.1% 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

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

$41.02
Price
$30.82
GF Value