ORRF (Orrstown Financial Services) Tariff Resilience Score: 8/10 (As of Jun. 26, 2026)


ORRF Orrstown Financial Services Inc ORRF
66 GF Score
Price $40.56
GF Value $30.82
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Orrstown Financial Services Tariff Resilience Score?

Orrstown Financial Services ORRF -0.42% 66 Tariff Resilience Score is 8 as of Jun. 26, 2026. 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 1,606 Banks companies, Orrstown Financial Services ranks better than 78.64% on this metric.

Orrstown Financial Services has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Orrstown Financial Services has As a financial services company, Orrstown Financial Services has minimal direct exposure to trade tariffs. Its operations are primarily domestic, reducing vulnerability to international trade policy changes. Indirect impacts may occur through client industries.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Orrstown Financial Services might have Highly Resilient.

Orrstown Financial Services  (NAS:ORRF) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Orrstown Financial Services Tariff Resilience Score Related Terms

ORRF vs ALRS, FISI, SMBK: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Orrstown Financial Services's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Orrstown Financial Services's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Orrstown Financial Services's Tariff Resilience Score falls into.


ORRF
66GF Score
Orrstown Financial Services Inc ORRF
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Orrstown Financial Services (ORRF) has a Tariff Resilience Score of 8 as of Jun. 26, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Orrstown Financial Services ranks #343 out of 1606 companies in the Banks industry, placing it in the top 21.4%.
Is Orrstown Financial Services' Tariff Resilience Score too high?
Orrstown Financial Services' current Tariff Resilience Score is 8. Based on the distribution chart, Orrstown Financial Services ranks #343 out of 1606 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' Tariff Resilience Score compare to ALRS and FISI?
According to the Banks industry distribution chart, Orrstown Financial Services ranks #343 out of 1606 companies for Tariff Resilience Score. This places Orrstown Financial Services in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Orrstown Financial Services's current Tariff Resilience Score is 8. 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 $40.56 — trading 31.6% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Orrstown Financial Services (ORRF), the current Tariff Resilience Score is 8 as of Jun. 26, 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 $40.56 is trading 31.6% above its estimated GF Value™ of $30.82. GuruFocus considers Orrstown Financial Services to be Significantly Overvalued.

Key valuation signals for ORRF:

  • Tariff Resilience Score: 8
  • GF Value™: $30.82 vs. price of $40.56 (31.6% 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.56
Price
$30.82
GF Value