Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Orrstown Financial ServicesORRF -0.82%66 Forward Rate of Return (Yacktman) % is 16.04% as of Mar. 2026, which is 3% above its 10-year median of 15.64. GuruFocus rates ORRF with a GF Score™ of 66/100 and a GF Value™ of $30.98 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,414 Banks companies, Orrstown Financial Services ranks worse than 53.61% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Orrstown Financial Services's forward rate of return for was 16.04%.
The historical rank and industry rank for Orrstown Financial Services's Forward Rate of Return (Yacktman) % or its related term are showing as below:
ORRF'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 9.79 Med: 15.64 Max: 21.05
Current: 14.36
During the past 13 years, Orrstown Financial Services's highest Forward Rate of Return was 21.05. The lowest was 9.79. And the median was 15.64.
ORRF's Forward Rate of Return (Yacktman) % is ranked worse than 53.61% of 1414
companies
in the Banks industry
Industry Median: 15.315
vs ORRF: 14.36
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
Orrstown Financial Services Forward Rate of Return (Yacktman) % Related Terms
Orrstown Financial Services Forward Rate of Return (Yacktman) % Historical Data
* Premium members only.
The historical data trend for Orrstown Financial Services's Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % Chart
ORRF vs SPFI, ALRS, PGC: Forward Rate of Return (Yacktman) % Comparison
For the Banks - Regional subindustry, Orrstown Financial Services's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's Forward Rate of Return (Yacktman) % falls into.
Orrstown Financial Services Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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 Forward Rate of Return (Yacktman) % of 16.04% mean?
Orrstown Financial Services (ORRF) has a Forward Rate of Return (Yacktman) % of 16.04% as of Mar. 2026. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Orrstown Financial Services and its competitors. This is near median its historical median of 15.64. Over the past decade, Orrstown Financial Services' Forward Rate of Return (Yacktman) % has ranged from 9.79 to 21.05. According to the industry distribution chart, Orrstown Financial Services ranks #758 out of 1414 companies in the Banks industry, placing it in the top 53.6%.
Is Orrstown Financial Services' Forward Rate of Return (Yacktman) % too high?
Orrstown Financial Services' current Forward Rate of Return (Yacktman) % of 16.04% is near median its 10-year median of 15.64. Over the past 10 years, this metric has ranged from a low of 9.79 to a high of 21.05. The Banks industry median Forward Rate of Return (Yacktman) % is 15.32. Orrstown Financial Services' value of 16.04% is 4.7% above this industry median. Based on the distribution chart, Orrstown Financial Services ranks #758 out of 1414 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' Forward Rate of Return (Yacktman) % compare to SPFI and ALRS?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #758 out of 1414 companies for Forward Rate of Return (Yacktman) %. This places Orrstown Financial Services in the lower half of its industry. The industry median Forward Rate of Return (Yacktman) % is 15.32. Orrstown Financial Services' value of 16.04% is 4.7% above this benchmark. Historically, Orrstown Financial Services' own Forward Rate of Return (Yacktman) % has ranged from 9.79 to 21.05 over the past decade. While the company's 10-year median is 15.64 vs. the industry median of 15.32, 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 Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.32, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orrstown Financial Services's current Forward Rate of Return (Yacktman) % of 16.04% is 4.7% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Orrstown Financial Services and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current Forward Rate of Return (Yacktman) % is 16.04%, which is near median its own 10-year median of 15.64. 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 $30.98, compared to a current price of $43.28 — trading 39.7% above its estimated fair value. The current Forward Rate of Return (Yacktman) % is 16.04%, which is near median its 10-year median of 15.64 and 4.7% above the Banks industry median of 15.32. Orrstown Financial Services' overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current Forward Rate of Return (Yacktman) % is 16.04% 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 $43.28 is trading 39.7% above its estimated GF Value™ of $30.98.
GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.
Key valuation signals for ORRF:
Forward Rate of Return (Yacktman) %: 16.04% (near median its 10-year median of 15.64)
GF Value™: $30.98 vs. price of $43.28 (39.7% above fair value)
Industry Position: 4.7% above the Banks median (#758 of 1414)
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
Forward Rate of Return (Yacktman) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ORRF has been successfully added to your 
