Orrstown Financial ServicesORRF +1.23%66 Return-on-Tangible-Equity is 17.78% as of Mar. 2026, which is 85% above its 10-year median of 9.63. 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. Among 1,525 Banks companies, Orrstown Financial Services ranks better than 86.1% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Orrstown Financial Services's annualized net income for the quarter that ended in Mar. 2026 was $87.2 Mil. Orrstown Financial Services's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $490.7 Mil. Therefore, Orrstown Financial Services's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 17.78%.
The historical rank and industry rank for Orrstown Financial Services's Return-on-Tangible-Equity or its related term are showing as below:
ORRF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.95 Med: 9.63 Max: 18.4
Current: 18.4
During the past 13 years, Orrstown Financial Services's highest Return-on-Tangible-Equity was 18.40%. The lowest was 4.95%. And the median was 9.63%.
ORRF's Return-on-Tangible-Equity is ranked better than 86.1% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs ORRF: 18.40
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Orrstown Financial Services Return-on-Tangible-Equity Related Terms
Orrstown Financial Services Return-on-Tangible-Equity 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.
ORRF vs ALRS, FISI, SMBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Orrstown Financial Services's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 17.78% mean?
Orrstown Financial Services (ORRF) has a Return-on-Tangible-Equity of 17.78% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Orrstown Financial Services and its competitors. This is 85% above median its historical median of 9.63. Over the past decade, Orrstown Financial Services' Return-on-Tangible-Equity has ranged from 4.95 to 18.40. According to the industry distribution chart, Orrstown Financial Services ranks #212 out of 1525 companies in the Banks industry, placing it in the top 13.9%.
Is Orrstown Financial Services' Return-on-Tangible-Equity too high?
Orrstown Financial Services' current Return-on-Tangible-Equity of 17.78% is 85% above median its 10-year median of 9.63. Over the past 10 years, this metric has ranged from a low of 4.95 to a high of 18.40. The Banks industry median Return-on-Tangible-Equity is 11.21. Orrstown Financial Services' value of 17.78% is 58.6% above this industry median. Based on the distribution chart, Orrstown Financial Services ranks #212 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Return-on-Tangible-Equity compare to ALRS and FISI?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #212 out of 1525 companies for Return-on-Tangible-Equity. This places Orrstown Financial Services in the top 14% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. Orrstown Financial Services' value of 17.78% is 58.6% above this benchmark. Historically, Orrstown Financial Services' own Return-on-Tangible-Equity has ranged from 4.95 to 18.40 over the past decade. While the company's 10-year median is 9.63 vs. the industry median of 11.21, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orrstown Financial Services's current Return-on-Tangible-Equity of 17.78% is 58.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Orrstown Financial Services and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current Return-on-Tangible-Equity is 17.78%, which is 85% above median its own 10-year median of 9.63. 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 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 Return-on-Tangible-Equity is 17.78%, which is 85% above median its 10-year median of 9.63 and 58.6% above the Banks industry median of 11.21. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current Return-on-Tangible-Equity is 17.78% 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:
Return-on-Tangible-Equity: 17.78% (85% above median its 10-year median of 9.63)
GF Value™: $30.82 vs. price of $41.02 (33.1% above fair value)
Industry Position: 58.6% above the Banks median (#212 of 1525)
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
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