Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Orrstown Financial Services, Inc. (ORRF)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$45.27+2.03%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
4.40 → 4.54 EPS · FY ending Dec 31, 2027 · 4 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 4 to 4; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for ORRF yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Redeem $31M subordinated notes by June 30, 2026 | A supporting condition in Orrstown Financial Services, Inc.'s published investment case. The stated target is Complete redemption by 2026-06-30. | Recovered | Redemption delayed or not completed by June 30, 2026 | Redemption completed by 2026-06-30 Company announced redemption of $31M notes on June 30, 2026; recent news highlights debt repayment as a positive factor. Nov 4, 2026Last status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earningsObserved price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a regional banking business with a recent strong-performance profile, rather than a turnaround story. Its long-term thesis is intact, but confidence has eased to medium and execution quality is neutral.
The valuation evidence labels ORRF cheap, while its valuation model shows a 1.13 premium versus peers and an expectations gap of 0.27. Those signals are mixed, so the evidence does not support a clear claim that the market’s assumptions are either especially demanding or especially cautious.
Near term, loan growth and net interest margin, the spread between income earned on loans and the cost of funding them, have improved; the latest quarter also showed lower expenses and a better efficiency ratio. Recent earnings beats and a quiet near-term miss-risk assessment support the setup, but the smaller-company risk and a deep miss in recent history remain relevant.
The multi-year thesis depends on continued loan growth, stronger core net interest income, and sustained expense control. Near term, a guidance cut or Federal Reserve rate cuts are listed as unfavorable scenarios, while continued earnings strength among sector bellwethers is a favorable signal to watch.
For the next one to three years, ORRF’s thesis rests on whether recent operating gains continue despite rate sensitivity and uneven execution evidence. The setup remains intact, with medium confidence and mixed valuation signals. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Orrstown Financial Services keeps stable earnings per share near $1.12. |
| Broken |
| diluted EPS falls below $1.12 next quarter |
Diluted EPS: $1.09 per share FY2026-Q2; GAAP. Published target: >=1.12 USD_PER_SHARE next quarter. The stored target says 2026-Q3; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 6, 20261.09 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Maintain P/E ratio below peer median of 11.98 | The stock trades cheap with a price-to-earnings ratio of 9.18, below peers at 11.98. | Intact | P/E rises above 11.98 sustainably | P/E (TTM): 10.08x As of 2026-11-04; trailing twelve months. The target timing and basis require a separate assessment. Nov 4, 202610.0824 ratio · calculatedLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$4.31 → $4.54 · observed estimates
$0.23B → $0.28B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $4.31 | $227,450,000 | 5 / 4 |
| 2026-07-25 | $4.37 | $228,750,000 | 5 / 4 |
| 2026-07-26 | $4.37 | $228,750,000 | 5 / 4 |
| 2026-07-27 | $4.37 | $225,660,000 | 5 / 5 |
| 2026-07-28 | $4.37 | $225,660,000 | 5 / 5 |
| 2026-07-29 | $4.39 | $214,520,000 | 5 / 5 |
| 2026-07-30 | $4.39 | $214,520,000 | 5 / 5 |
| 2026-07-31 | $4.39 | $214,520,000 | 5 / 5 |
| 2026-08-01 | $4.39 | $270,850,000 | 4 / 4 |
| 2026-08-02 | $4.39 | $214,520,000 | 5 / 5 |
| 2026-08-03 | $4.39 | $214,520,000 | 5 / 5 |
| 2026-08-04 | $4.39 | $270,850,000 | 4 / 4 |
| 2026-08-05 | $4.39 | $270,850,000 | 4 / 4 |
| 2026-08-06 | $4.39 | $270,850,000 | 4 / 4 |
| 2026-08-07 | $4.39 | $270,850,000 | 4 / 4 |
| 2026-08-08 | $4.39 | $214,520,000 | 5 / 5 |
| 2026-08-09 | $4.39 | $214,520,000 | 5 / 5 |
| 2026-08-10 | $4.39 | $214,520,000 | 5 / 5 |
| 2026-08-12 | $4.39 | $270,850,000 | 4 / 4 |
| 2026-08-13 | $4.39 | $270,850,000 | 4 / 4 |
| 2026-08-14 | $4.39 | $270,850,000 | 4 / 4 |
| 2026-08-15 | $4.39 | $270,850,000 | 4 / 3 |
| 2026-08-16 | $4.39 | $270,850,000 | 4 / 3 |
| 2026-08-17 | $4.39 | $270,850,000 | 4 / 3 |
| 2026-08-18 | $4.39 | $270,850,000 | 4 / 3 |
| 2026-08-19 | $4.39 | $270,850,000 | 4 / 3 |
| 2026-08-20 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-08-21 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-08-22 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-08-23 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-08-24 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-08-25 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-08-26 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-08-27 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-08-28 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-08-29 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-08-30 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-08-31 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-09-01 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-09-02 | $4.39 | $270,850,000 | 3 / 3 |
| 2026-09-03 | $4.40 | $270,975,000 | 4 / 3 |
| 2026-09-04 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-05 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-06 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-07 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-08 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-09 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-10 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-11 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-12 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-13 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-14 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-15 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-16 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-17 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-18 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-19 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-20 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-21 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-22 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-23 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-24 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-25 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-26 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-27 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-28 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-29 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-09-30 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-10-01 | $4.40 | $270,975,000 | 4 / 4 |
| 2026-10-02 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-03 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-04 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-05 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-06 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-07 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-08 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-09 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-10 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-11 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-12 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-13 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-14 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-15 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-16 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-17 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-18 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-19 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-20 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-21 | $4.40 | $270,875,000 | 4 / 4 |
| 2026-10-22 | $4.50 | $275,025,000 | 4 / 4 |
| 2026-10-23 | $4.50 | $275,025,000 | 4 / 4 |
| 2026-10-24 | $4.50 | $275,025,000 | 4 / 4 |
| 2026-10-25 | $4.54 | $277,025,000 | 4 / 3 |
| 2026-10-26 | $4.54 | $277,025,000 | 4 / 4 |
| 2026-10-27 | $4.54 | $277,025,000 | 4 / 4 |
| 2026-10-28 | $4.54 | $277,025,000 | 4 / 4 |
| 2026-10-29 | $4.54 | $277,025,000 | 4 / 4 |
| 2026-10-30 | $4.54 | $277,025,000 | 4 / 4 |
| 2026-10-31 | $4.54 | $277,025,000 | 4 / 4 |
| 2026-11-01 | $4.54 | $277,025,000 | 4 / 4 |
| 2026-11-02 | $4.54 | $277,025,000 | 4 / 4 |
| 2026-11-03 | $4.54 | $277,025,000 | 4 / 4 |
| 2026-11-04 | $4.54 | $277,025,000 | 4 / 4 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 3 Buy / Strong Buy · 2 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
2 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.