ORRF (Orrstown Financial Services) Scaled Net Operating Assets: -0.01 (As of Mar. 2026)


ORRF Orrstown Financial Services Inc ORRF
66 GF Score
Price $40.67
GF Value $30.85
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Orrstown Financial Services Scaled Net Operating Assets?

Orrstown Financial Services ORRF +2.34% 66 Scaled Net Operating Assets is -0.01 as of Mar. 2026. GuruFocus rates ORRF with a GF Score™ of 66/100 and a GF Value™ of $30.85 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Orrstown Financial Services's operating assets for the quarter that ended in Mar. 2026 was $4,686.1 Mil. Orrstown Financial Services's operating liabilities for the quarter that ended in Mar. 2026 was $4,729.8 Mil. Orrstown Financial Services's Total Assets for the quarter that ended in Dec. 2025 was $5,542.3 Mil. Therefore, Orrstown Financial Services's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.01.

ORRF
66GF Score
Orrstown Financial Services Inc ORRF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Orrstown Financial Services Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Orrstown Financial Services's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(5392.481-4638.897)/5441.589
=0.14

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5542.255 - 149.774
=5392.481

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4950.72 - 311.823 - 0
=4638.897

Orrstown Financial Services's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(4686.139-4729.82)/5542.255
=-0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5576.972 - 890.833
=4686.139

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4973.788 - 243.968 - 0
=4729.82

* 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 Scaled Net Operating Assets of -0.01 mean?
Orrstown Financial Services (ORRF) has a Scaled Net Operating Assets of -0.01 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Orrstown Financial Services and its competitors.
Is Orrstown Financial Services' Scaled Net Operating Assets too high?
Orrstown Financial Services' current Scaled Net Operating Assets is -0.01. 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' Scaled Net Operating Assets compare to ALRS and FISI?
Orrstown Financial Services' Scaled Net Operating Assets of -0.01 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Orrstown Financial Services and its competitors. Orrstown Financial Services's current Scaled Net Operating Assets is -0.01. 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 $30.85, compared to a current price of $40.67 — trading 31.8% above its estimated fair value. The current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current Scaled Net Operating Assets is -0.01 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 $40.67 is trading 31.8% above its estimated GF Value™ of $30.85. GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.

Key valuation signals for ORRF:

  • Scaled Net Operating Assets: -0.01
  • GF Value™: $30.85 vs. price of $40.67 (31.8% 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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$40.67
Price
$30.85
GF Value