Orrstown Financial Services, Inc.
ORRFFinancial Services · Stock · quarterly payer
Forward Yield
2.80%
Annual Dividend
$1.20
Payout Ratio
26%
5-Yr Growth
9.3%
Ex-Date
Aug 4, 2026
Frequency
Quarterly
Summary
As of August 2026, Orrstown Financial Services, Inc. (ORRF) yields 2.80% ($1.20 per share annually), with a blended fair-value estimate of $67.03 — +57% upside, so it screens as undervalued. Dividend safety grade: B (78/100). 10 years of dividend growth.
Is ORRF a good dividend stock?
YesOrrstown Financial Services, Inc. (ORRF) pays a quarterly dividend yielding 2.80% ($1.20/yr), with 10 years of growth and a dividend-safety grade of B. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- 10 consecutive years of dividend growth
- Comfortable payout ratio (26%)
- Strong 9.3% 5-yr dividend growth
- 79% total price return over 5 years
Risks
- Cut its dividend in 2015
Key Data
- Dividend Yield
- 2.80%
- Payout Ratio
- 26%
- Annual Dividend
- $1.20
- 5-Yr Avg Growth
- 9.3%
- Ex-Dividend Date
- Aug 4, 2026
- Years of Growth
- 10
- Frequency
- quarterly
- Beta
- 0.68
- Market Cap
- $839.6M
- P/E Ratio
- 9.6
- 5-Yr Total Return
- 79%
- 52-Week Range
- $31.51 – $43.78
- Dividend Safety
- B · 78/100
- Ever Cut?
- Yes (2015)
Frequently Asked Questions
ORRF Price — Last 12 Months
Daily close
Price Return
1 Year
+23%
3 Years
+98%
5 Years
+79%
52-Week Range
$31.51 – $43.78
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is ORRF worth?
Undervaluedlow confidenceOur blended fair-value estimate for Orrstown Financial Services, Inc. is $67.03 per share, versus a market price of $42.73. That implies 57% of upside — a margin of safety of about 36%.
Fair Value
$67.03
Current Price
$42.73
Upside
+57%
Margin of Safety
36%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about 3.3% annual free-cash-flow growth. We model 10.4% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.7% discount rate (CAPM), 10.4% stage-1 growth, 2.5% terminal growth, $4.45 EPS, $1.20 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
ORRF Dividend Safety Score
Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| May 5, 2026 | — | $0.3000 | regular |
| Feb 10, 2026 | — | $0.3000 | regular |
| Nov 5, 2025 | — | $0.2700 | regular |
| Aug 5, 2025 | — | $0.2700 | regular |
| May 6, 2025 | — | $0.2600 | regular |
| Feb 14, 2025 | — | $0.2600 | regular |
| Nov 5, 2024 | — | $0.2300 | regular |
| Aug 8, 2024 | — | $0.2300 | regular |
| May 6, 2024 | — | $0.2000 | regular |
| Feb 5, 2024 | — | $0.2000 | regular |
| Nov 6, 2023 | — | $0.2000 | regular |
| Aug 7, 2023 | — | $0.2000 | regular |
| May 8, 2023 | — | $0.2000 | regular |
| Feb 6, 2023 | — | $0.2000 | regular |
Income Calculator
At $1.20 / yr per share
