ORRF (Orrstown Financial Services) Margin of Safety % (DCF Dividends Based): 50.94% (As of Jun. 26, 2026)


ORRF Orrstown Financial Services Inc ORRF
66 GF Score
Price $40.60
GF Value $30.82
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Orrstown Financial Services Margin of Safety % (DCF Dividends Based)?

Orrstown Financial Services ORRF -0.32% 66 Margin of Safety % (DCF Dividends Based) is 50.94% as of Jun. 26, 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.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-06-26), Orrstown Financial Services's Predictability Rank is 5-Stars. Orrstown Financial Services's intrinsic value calculated from the Discounted Dividend model is $117.04 and current share price is $40.60. Consequently,

Orrstown Financial Services's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 50.94%.

ORRF vs ALRS, FISI, SMBK: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Orrstown Financial Services's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Orrstown Financial Services's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Orrstown Financial Services's Margin of Safety % (DCF Dividends Based) falls into.


ORRF
66GF Score
Orrstown Financial Services Inc ORRF
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Orrstown Financial Services Margin of Safety % (DCF Dividends Based) Calculation

Orrstown Financial Services's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(82.76-40.60)/82.76
=50.94 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 50.94% mean?
Orrstown Financial Services (ORRF) has a Margin of Safety % (DCF Dividends Based) of 50.94% as of Jun. 26, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Orrstown Financial Services.
Is Orrstown Financial Services' Margin of Safety % (DCF Dividends Based) too high?
Orrstown Financial Services' current Margin of Safety % (DCF Dividends Based) is 50.94%. 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' Margin of Safety % (DCF Dividends Based) compare to ALRS and FISI?
Orrstown Financial Services' Margin of Safety % (DCF Dividends Based) of 50.94% 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 Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Orrstown Financial Services. Orrstown Financial Services's current Margin of Safety % (DCF Dividends Based) is 50.94%. 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 $40.60 — trading 31.7% above its estimated fair value. The current Margin of Safety % (DCF Dividends Based) is 50.94%. 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 Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current Margin of Safety % (DCF Dividends Based) is 50.94% as of Jun. 26, 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 $40.60 is trading 31.7% above its estimated GF Value™ of $30.82. GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.

Key valuation signals for ORRF:

  • Margin of Safety % (DCF Dividends Based): 50.94%
  • GF Value™: $30.82 vs. price of $40.60 (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

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Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.60
Price
$30.82
GF Value