Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Orrstown Financial Services's 3-Year RORE % for the quarter that ended in Mar. 2026 was 14.87%.
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Orrstown Financial Services 3-Year RORE % Related Terms
Orrstown Financial Services 3-Year RORE % 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: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Orrstown Financial Services's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Orrstown Financial Services's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Orrstown Financial Services's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Orrstown Financial Services (ORRF) has a 3-Year RORE % of 14.87 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Orrstown Financial Services and its competitors. According to the industry distribution chart, Orrstown Financial Services ranks #578 out of 1472 companies in the Banks industry, placing it in the top 39.3%.
Is Orrstown Financial Services' 3-Year RORE % too high?
Orrstown Financial Services' current 3-Year RORE % is 14.87. The Banks industry median 3-Year RORE % is 9.87. Orrstown Financial Services' value of 14.87 is 50.7% above this industry median. Based on the distribution chart, Orrstown Financial Services ranks #578 out of 1472 companies in the Banks industry, which is above 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' 3-Year RORE % compare to ALRS and FISI?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #578 out of 1472 companies for 3-Year RORE %. This puts Orrstown Financial Services in the upper half of its industry. The industry median 3-Year RORE % is 9.87. Orrstown Financial Services' value of 14.87 is 50.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orrstown Financial Services's current 3-Year RORE % of 14.87 is 50.7% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Orrstown Financial Services and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orrstown Financial Services's current 3-Year RORE % is 14.87. 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 3-Year RORE % is 14.87 and 50.7% above the Banks industry median of 9.87. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current 3-Year RORE % is 14.87 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:
3-Year RORE %: 14.87
GF Value™: $30.82 vs. price of $41.02 (33.1% above fair value)
Industry Position: 50.7% above the Banks median (#578 of 1472)
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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