Orrstown Financial ServicesORRF +2.34%66 PEG Ratio is 1.54 as of Jun. 24, 2026, which is 1% below its 10-year median of 1.56. 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. Among 1,230 Banks companies, Orrstown Financial Services ranks worse than 50.08% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Orrstown Financial Services's PEG Ratio or its related term are showing as below:
ORRF'
s PEG Ratio Range Over the Past 10 Years
Min: 0.79 Med: 1.56 Max: 15.54
Current: 1.54
During the past 13 years, Orrstown Financial Services's highest PEG Ratio was 15.54. The lowest was 0.79. And the median was 1.56.
ORRF's PEG Ratio is ranked worse than 50.08% of 1230
companies
in the Banks industry
Industry Median: 1.505
vs ORRF: 1.54
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Orrstown Financial Services (NAS:ORRF) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Orrstown Financial Services PEG Ratio Related Terms
Orrstown Financial Services PEG Ratio Historical Data
* 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.
For the Banks - Regional subindustry, Orrstown Financial Services's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's PEG Ratio falls into.
* 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Orrstown Financial Services (ORRF) has a PEG Ratio of 1.54 as of Jun. 24, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Orrstown Financial Services and its competitors. This is near median its historical median of 1.56. Over the past decade, Orrstown Financial Services' PEG Ratio has ranged from 0.79 to 15.54. According to the industry distribution chart, Orrstown Financial Services ranks #616 out of 1230 companies in the Banks industry, placing it in the top 50.1%.
Is Orrstown Financial Services' PEG Ratio too high?
Orrstown Financial Services' current PEG Ratio of 1.54 is near median its 10-year median of 1.56. Over the past 10 years, this metric has ranged from a low of 0.79 to a high of 15.54. The Banks industry median PEG Ratio is 1.51. Orrstown Financial Services' value of 1.54 is 2.3% above this industry median. Based on the distribution chart, Orrstown Financial Services ranks #616 out of 1230 companies in the Banks industry, which is below the industry midpoint. 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' PEG Ratio compare to ALRS and FISI?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #616 out of 1230 companies for PEG Ratio. This places Orrstown Financial Services in the lower half of its industry. The industry median PEG Ratio is 1.51. Orrstown Financial Services' value of 1.54 is 2.3% above this benchmark. Historically, Orrstown Financial Services' own PEG Ratio has ranged from 0.79 to 15.54 over the past decade. While the company's 10-year median is 1.56 vs. the industry median of 1.51, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.51, based on 1,230 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orrstown Financial Services's current PEG Ratio of 1.54 is 2.3% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Orrstown Financial Services and its competitors. For the Banks industry, the median PEG Ratio is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current PEG Ratio is 1.54, which is near median its own 10-year median of 1.56. 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 PEG Ratio is 1.54, which is near median its 10-year median of 1.56 and 2.3% above the Banks industry median of 1.51. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current PEG Ratio is 1.54 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:
PEG Ratio: 1.54 (near median its 10-year median of 1.56)
GF Value™: $30.87 vs. price of $40.67 (31.7% above fair value)
Industry Position: 2.3% above the Banks median (#616 of 1230)
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
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