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ORRF (Orrstown) Stock Analysis
Buy, Hold or Sell?

Let's analyze Orrstown together

I guess you are interested in Orrstown Financial Services Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • 📊 Fundamental Analysis (FA) – Orrstown’s Financial Insights
  • 📈 Technical Analysis (TA) – Orrstown’s Price Targets

I'm going to help you getting a better view of Orrstown Financial Services Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Orrstown (30 sec.)










1.2. What can you expect buying and holding a share of Orrstown? (30 sec.)

How much money do you get?

How much money do you get?
$0.83
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$27.32
Expected worth in 1 year
$40.71
How sure are you?
75.0%

+ What do you gain per year?

Total Gains per Share
$14.22
Return On Investment
42.1%

For what price can you sell your share?

Current Price per Share
$33.74
Expected price per share
$31.08 - $34.31
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Orrstown (5 min.)




Live pricePrice per Share (EOD)
$33.74
Intrinsic Value Per Share
$14.44 - $23.38
Total Value Per Share
$41.76 - $50.69

2.2. Growth of Orrstown (5 min.)




Is Orrstown growing?

Current yearPrevious yearGrowGrow %
How rich?$532.9m$256.3m$204.6m44.4%

How much money is Orrstown making?

Current yearPrevious yearGrowGrow %
Making money$7.8m$8.7m-$867k-11.0%
Net Profit Margin12.8%26.9%--

How much money comes from the company's main activities?

2.3. Financial Health of Orrstown (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Orrstown?

Welcome investor! Orrstown's management wants to use your money to grow the business. In return you get a share of Orrstown.

First you should know what it really means to hold a share of Orrstown. And how you can make/lose money.

Speculation

The Price per Share of Orrstown is $33.74. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Orrstown.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Orrstown, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $27.32. Based on the TTM, the Book Value Change Per Share is $3.35 per quarter. Based on the YOY, the Book Value Change Per Share is $0.40 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.21 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Orrstown.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.932.7%0.401.2%0.451.3%0.431.3%0.421.2%0.280.8%
Usd Book Value Change Per Share0.832.5%3.359.9%0.401.2%1.193.5%0.832.4%0.511.5%
Usd Dividend Per Share0.260.8%0.210.6%0.110.3%0.140.4%0.130.4%0.090.3%
Usd Total Gains Per Share1.093.2%3.5510.5%0.511.5%1.333.9%0.952.8%0.601.8%
Usd Price Per Share30.01-32.49-24.11-26.46-23.92-22.33-
Price to Earnings Ratio8.11-4.05-13.74-10.69-11.56-540.34-
Price-to-Total Gains Ratio27.49-58.91--199.70--46.47--12.82--6.83-
Price to Book Ratio1.10-1.44-1.83-1.73-1.66-2.14-
Price-to-Total Gains Ratio27.49-58.91--199.70--46.47--12.82--6.83-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share33.74
Number of shares29
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.210.13
Usd Book Value Change Per Share3.350.83
Usd Total Gains Per Share3.550.95
Gains per Quarter (29 shares)103.0727.60
Gains per Year (29 shares)412.29110.40
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1243884021596100
24877781429192210
3721165122644288320
4961553163858383430
51201942205073479540
61442330246287575650
716827192874102671760
819131073286116767870
921534953698131863980
10239388441101469581090

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share3.01.00.075.0%11.01.00.091.7%19.01.00.095.0%39.01.00.097.5%99.06.00.094.3%
Book Value Change Per Share4.00.00.0100.0%9.03.00.075.0%16.04.00.080.0%29.011.00.072.5%82.020.03.078.1%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%94.00.011.089.5%
Total Gains per Share4.00.00.0100.0%9.03.00.075.0%16.04.00.080.0%30.010.00.075.0%86.019.00.081.9%
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3.2. Key Performance Indicators

The key performance indicators of Orrstown Financial Services Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.8333.348-75%0.404+106%1.188-30%0.826+1%0.514+62%
Book Value Per Share--27.31823.633+16%13.141+108%16.205+69%14.901+83%11.532+137%
Current Ratio---0.607-100%5.468-100%4.029-100%18.892-100%14.548-100%
Debt To Asset Ratio--0.9020.9060%0.917-2%0.915-1%0.913-1%0.909-1%
Debt To Equity Ratio--9.2119.703-5%11.022-16%10.768-14%10.586-13%10.037-8%
Dividend Per Share--0.2590.206+25%0.109+138%0.140+84%0.125+106%0.089+190%
Enterprise Value---3403367915.000-2976337877.500-13%-1912556336.250-44%-2215297868.333-35%-1940646746.000-43%-1301428757.250-62%
Eps--0.9250.405+129%0.449+106%0.426+117%0.416+122%0.278+232%
Ev To Ebitda Ratio---34.7245.740-705%-28.615-18%-19.777-43%-23.435-33%-24.918-28%
Ev To Sales Ratio---9.764-13.520+38%-14.659+50%-14.029+44%-13.681+40%-11.376+17%
Free Cash Flow Per Share--0.4430.377+17%0.619-28%0.477-7%0.467-5%0.303+46%
Free Cash Flow To Equity Per Share---0.202-0.124-39%2.406-108%1.332-115%2.106-110%1.725-112%
Gross Profit Margin--1.0000.976+2%0.939+6%0.958+4%0.953+5%-1.194+219%
Intrinsic Value_10Y_max--23.375----------
Intrinsic Value_10Y_min--14.444----------
Intrinsic Value_1Y_max--1.975----------
Intrinsic Value_1Y_min--1.260----------
Intrinsic Value_3Y_max--6.213----------
Intrinsic Value_3Y_min--3.970----------
Intrinsic Value_5Y_max--10.790----------
Intrinsic Value_5Y_min--6.862----------
Market Cap658216790.000+11%585450085.000633733622.500-8%470301163.750+24%516129881.667+13%466721354.000+25%435654067.750+34%
Net Profit Margin--0.2070.128+61%0.269-23%0.191+9%0.221-6%0.186+11%
Operating Margin---0.266-100%0.656-100%0.433-100%0.445-100%0.384-100%
Operating Ratio--1.0000.683+46%0.864+16%0.739+35%0.628+59%0.469+113%
Pb Ratio1.235+11%1.0991.439-24%1.825-40%1.731-37%1.655-34%2.144-49%
Pe Ratio9.116+11%8.1084.052+100%13.744-41%10.685-24%11.557-30%540.342-98%
Price Per Share33.740+11%30.01032.485-8%24.108+24%26.457+13%23.924+25%22.332+34%
Price To Free Cash Flow Ratio19.050+11%16.94421.763-22%10.171+67%7.858+116%11.498+47%3.189+431%
Price To Total Gains Ratio30.905+11%27.48958.906-53%-199.697+826%-46.471+269%-12.816+147%-6.833+125%
Quick Ratio---1.159-100%9.826-100%9.652-100%17.308-100%14.267-100%
Return On Assets--0.0030.002+95%0.003+16%0.002+53%0.002+38%0.002+66%
Return On Equity--0.0340.018+86%0.034-1%0.025+33%0.028+22%0.022+52%
Total Gains Per Share--1.0923.554-69%0.513+113%1.328-18%0.952+15%0.603+81%
Usd Book Value--532936000.000461050000.000+16%256364750.000+108%316135083.333+69%290688500.000+83%224966800.000+137%
Usd Book Value Change Per Share--0.8333.348-75%0.404+106%1.188-30%0.826+1%0.514+62%
Usd Book Value Per Share--27.31823.633+16%13.141+108%16.205+69%14.901+83%11.532+137%
Usd Dividend Per Share--0.2590.206+25%0.109+138%0.140+84%0.125+106%0.089+190%
Usd Enterprise Value---3403367915.000-2976337877.500-13%-1912556336.250-44%-2215297868.333-35%-1940646746.000-43%-1301428757.250-62%
Usd Eps--0.9250.405+129%0.449+106%0.426+117%0.416+122%0.278+232%
Usd Free Cash Flow--8638000.0007352000.000+17%12069000.000-28%9311666.667-7%9111200.000-5%5910375.000+46%
Usd Free Cash Flow Per Share--0.4430.377+17%0.619-28%0.477-7%0.467-5%0.303+46%
Usd Free Cash Flow To Equity Per Share---0.202-0.124-39%2.406-108%1.332-115%2.106-110%1.725-112%
Usd Market Cap658216790.000+11%585450085.000633733622.500-8%470301163.750+24%516129881.667+13%466721354.000+25%435654067.750+34%
Usd Price Per Share33.740+11%30.01032.485-8%24.108+24%26.457+13%23.924+25%22.332+34%
Usd Profit--18051000.0007892500.000+129%8759500.000+106%7452750.000+142%7603850.000+137%5175100.000+249%
Usd Revenue--87143000.00057636000.000+51%32598000.000+167%40595166.667+115%36014600.000+142%26828500.000+225%
Usd Total Gains Per Share--1.0923.554-69%0.513+113%1.328-18%0.952+15%0.603+81%
 EOD+4 -4MRQTTM+22 -18YOY+24 -163Y+22 -185Y+25 -1510Y+29 -11

3.3 Fundamental Score

Let's check the fundamental score of Orrstown Financial Services Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-159.116
Price to Book Ratio (EOD)Between0-11.235
Net Profit Margin (MRQ)Greater than00.207
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.902
Debt to Equity Ratio (MRQ)Less than19.211
Return on Equity (MRQ)Greater than0.150.034
Return on Assets (MRQ)Greater than0.050.003
Total3/10 (30.0%)

3.4 Technical Score

Let's check the technical score of Orrstown Financial Services Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5074.758
Ma 20Greater thanMa 5031.177
Ma 50Greater thanMa 10030.520
Ma 100Greater thanMa 20030.526
OpenGreater thanClose33.430
Total2/5 (40.0%)

4. In-depth Analysis

4.1 About Orrstown Financial Services Inc

Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. The company was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.

Fundamental data was last updated by Penke on 2025-06-19 14:29:03.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is underpriced.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Orrstown earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Orrstown to the Banks - Regional industry mean.
  • A Net Profit Margin of 20.7% means that $0.21 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Orrstown Financial Services Inc:

  • The MRQ is 20.7%. The company is making a huge profit. +2
  • The TTM is 12.8%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ20.7%TTM12.8%+7.9%
TTM12.8%YOY26.9%-14.0%
TTM12.8%5Y22.1%-9.3%
5Y22.1%10Y18.6%+3.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ20.7%41.9%-21.2%
TTM12.8%31.1%-18.3%
YOY26.9%29.6%-2.7%
3Y19.1%29.0%-9.9%
5Y22.1%25.7%-3.6%
10Y18.6%22.1%-3.5%
4.3.1.2. Return on Assets

Shows how efficient Orrstown is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Orrstown to the Banks - Regional industry mean.
  • 0.3% Return on Assets means that Orrstown generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Orrstown Financial Services Inc:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.2%+0.2%
TTM0.2%YOY0.3%-0.1%
TTM0.2%5Y0.2%-0.1%
5Y0.2%10Y0.2%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.2%+0.1%
TTM0.2%0.2%0.0%
YOY0.3%0.2%+0.1%
3Y0.2%0.2%+0.0%
5Y0.2%0.2%+0.0%
10Y0.2%0.2%0.0%
4.3.1.3. Return on Equity

Shows how efficient Orrstown is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Orrstown to the Banks - Regional industry mean.
  • 3.4% Return on Equity means Orrstown generated $0.03 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Orrstown Financial Services Inc:

  • The MRQ is 3.4%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 1.8%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ3.4%TTM1.8%+1.6%
TTM1.8%YOY3.4%-1.6%
TTM1.8%5Y2.8%-0.9%
5Y2.8%10Y2.2%+0.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ3.4%2.8%+0.6%
TTM1.8%2.2%-0.4%
YOY3.4%2.6%+0.8%
3Y2.5%2.5%+0.0%
5Y2.8%2.4%+0.4%
10Y2.2%2.6%-0.4%
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4.3.2. Operating Efficiency of Orrstown Financial Services Inc.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Orrstown is operating .

  • Measures how much profit Orrstown makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Orrstown to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Orrstown Financial Services Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM26.6%-26.6%
TTM26.6%YOY65.6%-39.0%
TTM26.6%5Y44.5%-17.9%
5Y44.5%10Y38.4%+6.1%
4.3.2.2. Operating Ratio

Measures how efficient Orrstown is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 1.00 means that the operating costs are $1.00 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Orrstown Financial Services Inc:

  • The MRQ is 1.000. The company is inefficient in keeping operating costs low. -1
  • The TTM is 0.683. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ1.000TTM0.683+0.317
TTM0.683YOY0.864-0.181
TTM0.6835Y0.628+0.055
5Y0.62810Y0.469+0.159
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4.4.3. Liquidity of Orrstown Financial Services Inc.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Orrstown is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has $0.00 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Orrstown Financial Services Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM0.607-0.607
TTM0.607YOY5.468-4.862
TTM0.6075Y18.892-18.286
5Y18.89210Y14.548+4.344
4.4.3.2. Quick Ratio

Measures if Orrstown is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Orrstown to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off $0.00 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Orrstown Financial Services Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM1.159-1.159
TTM1.159YOY9.826-8.667
TTM1.1595Y17.308-16.149
5Y17.30810Y14.267+3.041
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4.5.4. Solvency of Orrstown Financial Services Inc.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Orrstown assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Orrstown to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.90 means that Orrstown assets are financed with 90.2% credit (debt) and the remaining percentage (100% - 90.2%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Orrstown Financial Services Inc:

  • The MRQ is 0.902. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.906. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.902TTM0.906-0.004
TTM0.906YOY0.917-0.010
TTM0.9065Y0.913-0.007
5Y0.91310Y0.909+0.005
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9020.912-0.010
TTM0.9060.914-0.008
YOY0.9170.331+0.586
3Y0.9150.655+0.260
5Y0.9130.761+0.152
10Y0.9090.845+0.064
4.5.4.2. Debt to Equity Ratio

Measures if Orrstown is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Orrstown to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 921.1% means that company has $9.21 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Orrstown Financial Services Inc:

  • The MRQ is 9.211. The company is unable to pay all its debts with equity. -1
  • The TTM is 9.703. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ9.211TTM9.703-0.492
TTM9.703YOY11.022-1.320
TTM9.7035Y10.586-0.884
5Y10.58610Y10.037+0.549
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ9.21110.416-1.205
TTM9.70310.683-0.980
YOY11.0224.228+6.794
3Y10.7687.922+2.846
5Y10.5869.283+1.303
10Y10.03711.348-1.311
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Orrstown generates.

  • Above 15 is considered overpriced but always compare Orrstown to the Banks - Regional industry mean.
  • A PE ratio of 8.11 means the investor is paying $8.11 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Orrstown Financial Services Inc:

  • The EOD is 9.116. Based on the earnings, the company is underpriced. +1
  • The MRQ is 8.108. Based on the earnings, the company is underpriced. +1
  • The TTM is 4.052. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD9.116MRQ8.108+1.008
MRQ8.108TTM4.052+4.056
TTM4.052YOY13.744-9.691
TTM4.0525Y11.557-7.505
5Y11.55710Y540.342-528.785
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD9.1164.337+4.779
MRQ8.1083.875+4.233
TTM4.0526.132-2.080
YOY13.7444.741+9.003
3Y10.6855.925+4.760
5Y11.5578.400+3.157
10Y540.3429.118+531.224
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Orrstown Financial Services Inc:

  • The EOD is 19.050. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The MRQ is 16.944. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The TTM is 21.763. Based on how much money comes from the company's main activities, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD19.050MRQ16.944+2.106
MRQ16.944TTM21.763-4.819
TTM21.763YOY10.171+11.592
TTM21.7635Y11.498+10.265
5Y11.49810Y3.189+8.309
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD19.0500.376+18.674
MRQ16.9440.336+16.608
TTM21.7630.632+21.131
YOY10.171-1.072+11.243
3Y7.8582.007+5.851
5Y11.4980.284+11.214
10Y3.1890.095+3.094
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Orrstown is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.10 means the investor is paying $1.10 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Orrstown Financial Services Inc:

  • The EOD is 1.235. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.099. Based on the equity, the company is underpriced. +1
  • The TTM is 1.439. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.235MRQ1.099+0.137
MRQ1.099TTM1.439-0.341
TTM1.439YOY1.825-0.386
TTM1.4395Y1.655-0.216
5Y1.65510Y2.144-0.489
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.2350.483+0.752
MRQ1.0990.432+0.667
TTM1.4390.446+0.993
YOY1.8250.149+1.676
3Y1.7310.355+1.376
5Y1.6550.578+1.077
10Y2.1440.801+1.343
4.6.2. Total Gains per Share

4.7 Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Orrstown Financial Services Inc.

4.8.1. Institutions holding Orrstown Financial Services Inc

Institutions are holding 57.317% of the shares of Orrstown Financial Services Inc.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2025-03-31Fourthstone LLC9.010713.0785175784822587314.7439
2025-03-31BlackRock Inc7.51510.00091466090-59142-3.8776
2025-03-31Vanguard Group Inc5.38030.0006104961067440.6467
2025-03-31Dimensional Fund Advisors, Inc.3.72690.0054727071-106879-12.816
2025-03-31State Street Corp2.9110.000756788915846838.7054
2025-03-31Geode Capital Management, LLC2.27670.0011444152119242.7587
2025-03-31Millennium Management LLC1.69320.0053330322182709123.7757
2025-03-31Renaissance Technologies Corp1.3530.0122639464710121.721
2025-03-31Manufacturers Life Insurance Co1.22340.0068238668-238-0.0996
2025-03-31ProShare Advisors LLC1.15930.01532261572561412.7723
2025-03-31American Century Companies Inc1.15850.0042226003-2064-0.905
2025-03-31FMR Inc1.13570.0004221553163837.9851
2025-03-31Petiole USA ltd0.90713.75217696600
2025-03-31Morgan Stanley - Brokerage Accounts0.90510.00041765744885738.2541
2025-03-31Northern Trust Corp0.86720.000816917593075.8217
2025-03-31Qube Research & Technologies0.79950.005415596787611128.1687
2025-03-31Charles Schwab Investment Management Inc0.7940.0009154897-2699-1.7126
2025-03-31Bridgeway Capital Management, LLC0.74720.1102145761-11618-7.3822
2024-12-31AllianceBernstein L.P.0.67490.0016131656-20500-13.473
2025-03-31Two Sigma Investments LLC0.62270.00781214894161752.1046
Total 44.861517.01038751794+659068+7.5%

4.9.2. Funds holding Orrstown Financial Services Inc

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2025-04-30Vanguard Total Stock Mkt Idx Inv2.95430.00157633800
2025-05-31iShares Russell 2000 ETF2.34110.022345671600
2025-04-30Vanguard Institutional Extnd Mkt Idx Tr1.59660.00923114724540.146
2025-05-30ProShares Russell 2000 Dividend Growers1.11991.0148218482-430-0.1964
2025-03-31Fidelity Small Cap Index0.94330.022918403320131.1059
2025-05-31Avantis US Small Cap Value ETF0.89420.034317443912920.7462
2025-05-31iShares Russell 2000 Value ETF0.86710.047416916600
2025-04-30Strategic Advisers Fidelity US TtlStk0.73210.002914283000
2025-05-31SPDR® S&P Regional Banking ETF0.710.1301138510-492-0.354
2025-04-30DFA US Small Cap Value I0.64470.0268125768-15093-10.7148
2025-04-30JHancock Regional Bank A0.62840.489122589-966-0.7818
2025-05-31State St Russell Sm/Mid Cp® Indx SL Cl I0.61050.008711910328922.4886
2025-04-30Fidelity Extended Market Index0.5430.0088105933-1012-0.9463
2025-04-30DFA US Targeted Value I0.5190.0256101245-1253-1.2225
2025-05-31Schwab US Small-Cap ETF™0.47680.016993015-222-0.2381
2025-04-30Vanguard Russell 2000 ETF0.47250.02349218352646.0562
2025-04-30JH Financial Opportunities0.44810.34658742500
2025-03-31Bridgeway Omni Small-Cap Value N0.41590.23528114300
2025-03-31Bridgeway Omni Small-Cap Value0.41590.23498114300
2025-04-30DFA US Small Cap I0.37110.01467240400
Total 17.70452.71533453937-7553-0.2%

5.3. Insider Transactions

Insiders are holding 4.702% of the shares of Orrstown Financial Services Inc.

DateOwnerTypeAmountPricePost Transaction AmountLink
2025-03-24Scott V FainorBUY300031.17
2025-03-19Brian D BrunnerBUY250030.87
2025-03-10John W GiambalvoBUY100030.8
2025-02-04Sarah M BrownBUY30034.69
2024-10-29David Todd HornbergerSELL400037.82
2024-10-25Cindy Jeannette JoinerBUY22137.83
2024-08-09Cindy Jeannette JoinerBUY32632.15
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5. Financial Statements




5.1. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in USD. All numbers in thousands.

Summary
Total Assets5,441,586
Total Liabilities4,908,650
Total Stockholder Equity532,936
 As reported
Total Liabilities 4,908,650
Total Stockholder Equity+ 532,936
Total Assets = 5,441,586

Assets

Total Assets5,441,586
Total Current Assets939,725
Long-term Assets201,271
Total Current Assets
Cash And Cash Equivalents 64,376
Short-term Investments 855,456
Net Receivables 19,893
Total Current Assets  (as reported)939,725
Total Current Assets  (calculated)939,725
+/-0
Long-term Assets
Property Plant Equipment 51,729
Goodwill 68,106
Long Term Investments 855,456
Intangible Assets 45,230
Long-term Assets  (as reported)201,271
Long-term Assets  (calculated)1,020,521
+/- 819,250

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity532,936
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Common Stock1,026
Retained Earnings 139,547
Accumulated Other Comprehensive Income -24,024
Other Stockholders Equity 416,387
Total Stockholder Equity (as reported)532,936
Total Stockholder Equity (calculated)532,936
+/-0
Other
Capital Stock1,026
Cash and Short Term Investments 919,832
Common Stock Shares Outstanding 19,328
Liabilities and Stockholders Equity 5,441,586
Net Debt -64,376
Net Invested Capital 702,135



5.2. Balance Sheets Structured

Currency in USD. All numbers in thousands.

 Trend2025-03-312024-12-312024-09-302024-06-302024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-06-302003-03-312002-12-312002-09-302002-06-302002-03-312001-12-312001-09-302001-06-302001-03-312000-12-312000-09-302000-06-302000-03-311999-12-311999-09-301999-06-301999-03-31
> Total Assets 
0
0
0
265,053
277,347
286,090
300,277
311,903
321,146
334,940
368,944
373,728
375,961
384,033
409,116
410,298
428,540
449,762
464,958
472,393
478,394
492,036
519,403
514,651
531,011
574,019
581,180
601,460
607,590
767,939
783,830
809,031
821,998
828,314
872,113
884,979
917,559
939,519
1,008,291
1,051,783
1,084,363
1,112,989
1,159,996
1,196,432
1,316,038
1,358,756
1,477,780
1,511,722
1,512,393
1,531,290
1,517,315
1,444,097
1,446,741
1,328,475
1,269,319
1,232,668
1,197,038
1,191,217
1,212,478
1,177,812
1,198,017
1,167,308
1,183,392
1,190,443
1,189,420
1,232,783
1,274,340
1,292,816
1,287,279
1,311,353
1,354,154
1,414,504
1,453,946
1,474,930
1,533,586
1,558,849
1,635,906
1,644,118
1,720,755
1,934,388
1,973,283
2,399,508
2,313,677
2,383,274
2,387,488
2,772,796
2,781,667
2,750,572
2,963,534
2,912,717
2,870,182
2,834,565
2,900,537
2,824,201
2,852,092
2,922,408
3,011,548
3,008,197
3,054,435
3,064,240
3,183,331
3,198,782
5,470,589
5,431,023
5,441,586
5,441,5865,431,0235,470,5893,198,7823,183,3313,064,2403,054,4353,008,1973,011,5482,922,4082,852,0922,824,2012,900,5372,834,5652,870,1822,912,7172,963,5342,750,5722,781,6672,772,7962,387,4882,383,2742,313,6772,399,5081,973,2831,934,3881,720,7551,644,1181,635,9061,558,8491,533,5861,474,9301,453,9461,414,5041,354,1541,311,3531,287,2791,292,8161,274,3401,232,7831,189,4201,190,4431,183,3921,167,3081,198,0171,177,8121,212,4781,191,2171,197,0381,232,6681,269,3191,328,4751,446,7411,444,0971,517,3151,531,2901,512,3931,511,7221,477,7801,358,7561,316,0381,196,4321,159,9961,112,9891,084,3631,051,7831,008,291939,519917,559884,979872,113828,314821,998809,031783,830767,939607,590601,460581,180574,019531,011514,651519,403492,036478,394472,393464,958449,762428,540410,298409,116384,033375,961373,728368,944334,940321,146311,903300,277286,090277,347265,053000
   > Total Current Assets 
0
0
0
10,299
9,069
13,010
9,707
13,209
10,773
12,032
11,640
14,870
11,955
15,456
14,330
13,357
16,058
15,481
14,557
14,931
10,782
11,471
13,506
14,355
11,751
19,087
20,254
17,515
81,829
635,649
652,386
680,069
694,828
706,583
730,432
747,027
792,050
806,261
834,244
878,907
883,128
889,025
935,665
935,196
998,615
967,172
988,386
1,028,750
1,057,137
1,059,556
21,653
1,105,508
1,107,361
1,017,478
13,960
903,084
820,068
805,673
800,907
12,995
739,230
750,863
755,071
18,174
814,905
831,724
855,589
27,075
929,845
955,302
944,500
16,072
456,256
444,383
448,181
21,734
489,874
477,569
535,766
26,156
1,428,661
1,833,309
1,761,947
46,763
1,843,997
60,489
2,243,376
2,224,776
2,497,277
2,404,262
2,367,675
689,382
752,610
126,831
579,735
585,578
122,103
552,240
640,597
522,521
196,218
579,153
912,454
901,795
939,725
939,725901,795912,454579,153196,218522,521640,597552,240122,103585,578579,735126,831752,610689,3822,367,6752,404,2622,497,2772,224,7762,243,37660,4891,843,99746,7631,761,9471,833,3091,428,66126,156535,766477,569489,87421,734448,181444,383456,25616,072944,500955,302929,84527,075855,589831,724814,90518,174755,071750,863739,23012,995800,907805,673820,068903,08413,9601,017,4781,107,3611,105,50821,6531,059,5561,057,1371,028,750988,386967,172998,615935,196935,665889,025883,128878,907834,244806,261792,050747,027730,432706,583694,828680,069652,386635,64981,82917,51520,25419,08711,75114,35513,50611,47110,78214,93114,55715,48116,05813,35714,33015,45611,95514,87011,64012,03210,77313,2099,70713,0109,06910,299000
       Cash And Cash Equivalents 
0
0
0
8,700
7,453
11,226
7,959
11,193
8,888
10,262
9,867
13,329
10,410
13,791
12,699
11,751
14,390
13,848
12,876
13,284
9,174
9,815
11,811
12,580
9,900
17,065
18,279
15,346
15,709
22,724
19,787
21,625
18,659
17,968
15,162
17,856
19,023
21,259
17,486
13,280
13,876
13,802
21,471
14,541
15,283
17,838
15,553
11,325
15,308
18,055
81,631
109,669
154,672
125,523
107,604
149,854
94,770
84,336
70,376
36,535
30,357
40,012
35,737
30,809
33,038
23,794
34,272
27,075
66,915
63,649
37,641
30,273
28,551
38,012
22,474
29,807
30,172
22,582
41,017
71,820
77,217
108,138
50,923
55,963
57,137
52,290
87,307
125,258
326,245
336,762
311,415
208,710
214,238
111,906
66,927
60,823
98,323
76,318
94,939
65,161
182,722
35,951
236,780
51,026
64,376
64,37651,026236,78035,951182,72265,16194,93976,31898,32360,82366,927111,906214,238208,710311,415336,762326,245125,25887,30752,29057,13755,96350,923108,13877,21771,82041,01722,58230,17229,80722,47438,01228,55130,27337,64163,64966,91527,07534,27223,79433,03830,80935,73740,01230,35736,53570,37684,33694,770149,854107,604125,523154,672109,66981,63118,05515,30811,32515,55317,83815,28314,54121,47113,80213,87613,28017,48621,25919,02317,85615,16217,96818,65921,62519,78722,72415,70915,34618,27917,0659,90012,58011,8119,8159,17413,28412,87613,84814,39011,75112,69913,79110,41013,3299,86710,2628,88811,1937,95911,2267,4538,700000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
25,026
0
0
0
9,312
0
0
0
4,830
0
0
0
9,517
0
0
0
26,875
67,256
93,249
92,526
19,299
85,936
0
98,034
1,039
77,005
82,169
121,900
14,342
141,616
164,864
165,281
6,388
6,400
6,247
2,728
2,728
2,746
2,728
248
310,365
311,485
283,078
291,649
301,970
349,733
358,482
384,522
406,943
431,786
389,961
402,563
376,199
349,827
376,436
394,251
394,124
327,590
324,540
374,902
400,154
423,601
401,904
421,455
415,308
454,800
449,419
489,356
465,844
490,221
496,930
481,120
490,386
479,599
483,936
478,288
466,465
407,690
450,402
445,018
472,438
529,730
512,698
503,596
513,728
520,232
508,612
495,162
513,519
514,909
529,082
826,828
829,711
855,456
855,456829,711826,828529,082514,909513,519495,162508,612520,232513,728503,596512,698529,730472,438445,018450,402407,690466,465478,288483,936479,599490,386481,120496,930490,221465,844489,356449,419454,800415,308421,455401,904423,601400,154374,902324,540327,590394,124394,251376,436349,827376,199402,563389,961431,786406,943384,522358,482349,733301,970291,649283,078311,485310,3652482,7282,7462,7282,7286,2476,4006,388165,281164,864141,61614,342121,90082,16977,0051,03998,034085,93619,29992,52693,24967,25626,8750009,5170004,8300009,31200025,02600000000000
       Net Receivables 
0
0
0
1,599
1,616
1,784
1,748
2,016
1,885
1,770
1,773
1,541
1,545
1,665
1,631
1,606
1,668
1,633
1,681
1,647
1,608
1,656
1,695
1,775
1,851
2,022
1,975
2,169
2,065
2,739
2,979
3,279
3,176
3,363
3,536
3,490
3,409
3,442
3,688
3,983
3,689
3,768
3,856
4,605
4,714
4,762
6,003
5,715
5,849
5,685
5,172
4,548
4,431
3,593
3,696
3,188
3,444
3,621
3,380
3,400
3,313
2,955
3,151
3,097
3,049
3,359
3,537
3,845
3,582
3,759
3,690
4,672
4,104
4,467
4,252
5,048
4,902
5,568
5,393
5,927
6,340
6,558
6,546
6,040
6,697
8,182
8,812
8,927
9,070
7,930
8,015
8,234
8,642
8,425
9,212
11,027
10,911
11,773
12,212
13,630
13,496
14,120
20,562
21,058
19,893
19,89321,05820,56214,12013,49613,63012,21211,77310,91111,0279,2128,4258,6428,2348,0157,9309,0708,9278,8128,1826,6976,0406,5466,5586,3405,9275,3935,5684,9025,0484,2524,4674,1044,6723,6903,7593,5823,8453,5373,3593,0493,0973,1512,9553,3133,4003,3803,6213,4443,1883,6963,5934,4314,5485,1725,6855,8495,7156,0034,7624,7144,6053,8563,7683,6893,9833,6883,4423,4093,4903,5363,3633,1763,2792,9792,7392,0652,1691,9752,0221,8511,7751,6951,6561,6081,6471,6811,6331,6681,6061,6311,6651,5451,5411,7731,7701,8852,0161,7481,7841,6161,599000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
610,186
629,620
655,165
672,993
685,252
711,734
725,681
769,618
781,560
813,070
861,644
865,563
871,455
910,338
909,662
972,218
938,325
964,102
1,008,982
1,033,234
1,033,088
1,028,308
991,291
948,258
888,362
838,557
447,238
372,121
359,234
342,629
295,903
273,774
317,935
313,620
378,325
428,991
428,135
423,529
448,216
531,758
563,354
528,267
11,811
7,453
9,649
12,469
12,532
8,561
11,063
10,158
870,250
854,883
1,221,683
1,223,358
1,275,371
1,300,564
1,682,592
1,668,969
1,624,126
1,754,272
1,609,168
1,603,227
216,944
222,880
-506,198
76,139
71,850
109,234
88,091
107,151
78,791
196,218
146,629
257,480
0
0
00257,480146,629196,21878,791107,15188,091109,23471,85076,139-506,198222,880216,9441,603,2271,609,1681,754,2721,624,1261,668,9691,682,5921,300,5641,275,3711,223,3581,221,683854,883870,25010,15811,0638,56112,53212,4699,6497,45311,811528,267563,354531,758448,216423,529428,135428,991378,325313,620317,935273,774295,903342,629359,234372,121447,238838,557888,362948,258991,2911,028,3081,033,0881,033,2341,008,982964,102938,325972,218909,662910,338871,455865,563861,644813,070781,560769,618725,681711,734685,252672,993655,165629,620610,18600000000000000000000000000000
   > Long-term Assets 
0
0
0
67,264
72,819
72,767
74,555
79,188
71,523
72,867
75,709
77,441
81,117
86,678
92,965
99,955
93,456
97,547
98,562
100,242
89,285
87,552
95,634
93,051
92,982
92,234
89,618
82,644
14,046
132,290
131,444
128,962
127,170
121,731
141,681
137,952
125,509
133,258
174,047
172,876
201,235
223,964
224,331
261,236
317,423
391,584
489,394
482,972
455,256
471,734
401,956
338,589
339,380
310,997
27,813
27,614
376,970
385,544
411,571
1,141,277
458,787
416,445
428,321
1,159,634
374,515
401,059
418,751
1,265,741
357,434
356,051
1,312,104
437,860
34,767
35,036
35,225
34,809
34,387
34,558
35,922
1,856,573
1,891,908
2,280,080
2,259,935
2,323,595
543,556
2,714,928
2,688,161
525,796
466,257
508,455
502,507
529,390
586,049
568,461
557,115
564,858
592,225
73,035
545,921
2,999,079
2,987,113
3,066,273
1,031,983
208,735
201,271
201,271208,7351,031,9833,066,2732,987,1132,999,079545,92173,035592,225564,858557,115568,461586,049529,390502,507508,455466,257525,7962,688,1612,714,928543,5562,323,5952,259,9352,280,0801,891,9081,856,57335,92234,55834,38734,80935,22535,03634,767437,8601,312,104356,051357,4341,265,741418,751401,059374,5151,159,634428,321416,445458,7871,141,277411,571385,544376,97027,61427,813310,997339,380338,589401,956471,734455,256482,972489,394391,584317,423261,236224,331223,964201,235172,876174,047133,258125,509137,952141,681121,731127,170128,962131,444132,29014,04682,64489,61892,23492,98293,05195,63487,55289,285100,24298,56297,54793,45699,95592,96586,67881,11777,44175,70972,86771,52379,18874,55572,76772,81967,264000
       Property Plant Equipment 
0
0
0
6,809
7,435
9,200
9,295
9,269
9,203
9,125
8,995
9,019
9,318
9,487
9,568
9,849
10,138
10,512
10,993
11,168
11,435
11,786
12,544
13,222
13,172
13,123
13,158
13,636
14,046
17,349
17,289
19,852
19,729
20,563
22,217
25,980
27,180
29,828
30,898
31,050
30,606
30,150
29,994
29,601
28,939
28,566
28,163
27,774
27,557
27,340
27,125
27,183
26,906
26,983
26,929
26,782
26,457
26,335
26,375
26,441
26,431
25,967
25,293
24,800
24,325
24,314
24,242
23,960
29,689
31,379
34,630
34,871
34,767
35,036
35,225
34,809
34,387
34,558
35,922
38,201
38,107
41,508
43,031
37,524
37,098
36,976
35,476
35,149
34,719
34,529
34,279
34,045
33,704
33,429
31,457
29,328
29,106
29,629
29,385
40,217
39,545
38,844
49,839
50,217
51,729
51,72950,21749,83938,84439,54540,21729,38529,62929,10629,32831,45733,42933,70434,04534,27934,52934,71935,14935,47636,97637,09837,52443,03141,50838,10738,20135,92234,55834,38734,80935,22535,03634,76734,87134,63031,37929,68923,96024,24224,31424,32524,80025,29325,96726,43126,44126,37526,33526,45726,78226,92926,98326,90627,18327,12527,34027,55727,77428,16328,56628,93929,60129,99430,15030,60631,05030,89829,82827,18025,98022,21720,56319,72919,85217,28917,34914,04613,63613,15813,12313,17213,22212,54411,78611,43511,16810,99310,51210,1389,8499,5689,4879,3189,0198,9959,1259,2039,2699,2959,2007,4356,809000
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
748
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
19,447
0
0
0
19,447
0
0
0
19,447
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
719
0
0
0
12,592
12,592
19,621
19,925
19,925
20,142
18,724
18,724
18,724
18,724
18,724
18,724
18,724
18,724
18,724
18,724
18,724
18,724
18,724
18,724
18,724
18,724
18,724
70,655
68,106
68,106
68,10668,10670,65518,72418,72418,72418,72418,72418,72418,72418,72418,72418,72418,72418,72418,72418,72418,72418,72418,72420,14219,92519,92519,62112,59212,59200071900000000000000000000000000019,44700019,44700019,44700000000000000074800000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
976,766
970,811
924,278
874,859
806,570
775,087
688,435
660,011
655,802
664,038
652,008
655,437
660,538
668,519
693,358
718,469
741,808
753,438
774,062
794,855
825,120
837,167
873,384
892,012
926,813
976,666
1,003,305
1,034,773
1,055,941
1,075,894
1,702,827
1,746,264
2,091,292
481,120
2,120,061
2,120,744
2,507,736
2,488,433
466,465
407,690
450,402
445,018
472,438
529,730
512,698
503,596
513,728
520,232
508,612
495,162
513,519
514,909
529,082
826,828
829,711
855,456
855,456829,711826,828529,082514,909513,519495,162508,612520,232513,728503,596512,698529,730472,438445,018450,402407,690466,4652,488,4332,507,7362,120,7442,120,061481,1202,091,2921,746,2641,702,8271,075,8941,055,9411,034,7731,003,305976,666926,813892,012873,384837,167825,120794,855774,062753,438741,808718,469693,358668,519660,538655,437652,008664,038655,802660,011688,435775,087806,570874,859924,278970,811976,7660000000000000000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,894
0
0
0
0
0
21,692
21,629
21,567
21,505
21,493
21,430
21,368
21,324
21,261
21,249
21,186
21,127
21,064
21,000
20,938
20,873
20,808
20,751
20,698
20,646
20,593
20,541
1,041
989
936
884
832
780
727
674
622
570
517
465
414
363
309
258
207
155
132
122
2,835
2,791
2,848
2,880
3,253
2,883
2,917
2,931
3,910
3,702
8,140
7,654
7,180
6,717
6,160
5,803
5,458
5,124
4,800
4,486
4,183
3,891
3,610
3,338
3,078
2,828
2,589
2,650
2,414
2,189
1,974
46,144
47,765
45,230
45,23047,76546,1441,9742,1892,4142,6502,5892,8283,0783,3383,6103,8914,1834,4864,8005,1245,4585,8036,1606,7177,1807,6548,1403,7023,9102,9312,9172,8833,2532,8802,8482,7912,8351221321552072583093634144655175706226747277808328849369891,04120,54120,59320,64620,69820,75120,80820,87320,93821,00021,06421,12721,18621,24921,26121,32421,36821,43021,49321,50521,56721,62921,692000001,89400000000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
560,130
595,598
519,180
546,427
526,485
539,424
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000000000539,424526,485546,427519,180595,598560,13000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Other Assets 
0
0
0
187,490
195,459
200,313
216,015
219,506
238,850
250,041
281,595
281,417
282,889
281,899
301,821
296,986
319,026
336,734
351,839
357,220
378,327
393,013
410,263
407,245
426,278
462,698
471,308
501,301
511,715
900,229
915,274
937,993
949,168
828,314
1,013,794
1,022,931
1,043,068
1,072,777
1,182,338
1,224,659
1,285,598
1,336,953
1,384,327
1,457,668
1,633,461
1,750,340
1,967,174
1,994,694
1,967,649
2,003,024
1,093,706
1,782,686
1,786,121
1,639,472
1,227,546
301,970
1,574,008
1,576,761
1,624,049
23,540
1,656,804
1,583,753
1,611,713
12,635
1,563,935
1,633,842
1,693,091
1,711,107
1,644,713
1,667,404
-902,450
960,572
962,923
995,511
1,050,180
1,502,306
1,111,645
1,131,991
1,149,067
51,659
-1,347,286
-1,713,881
-1,708,205
12,916
-65
-2,621
-2,149,870
3,276,368
3,429,791
3,421,172
3,372,689
1,615,793
1,561,878
2,128,909
1,715,242
1,771,972
2,297,220
2,382,922
1,867,917
-457,360
2,560,328
-446,644
3,526,152
4,320,493
4,300,590
4,300,5904,320,4933,526,152-446,6442,560,328-457,3601,867,9172,382,9222,297,2201,771,9721,715,2422,128,9091,561,8781,615,7933,372,6893,421,1723,429,7913,276,368-2,149,870-2,621-6512,916-1,708,205-1,713,881-1,347,28651,6591,149,0671,131,9911,111,6451,502,3061,050,180995,511962,923960,572-902,4501,667,4041,644,7131,711,1071,693,0911,633,8421,563,93512,6351,611,7131,583,7531,656,80423,5401,624,0491,576,7611,574,008301,9701,227,5461,639,4721,786,1211,782,6861,093,7062,003,0241,967,6491,994,6941,967,1741,750,3401,633,4611,457,6681,384,3271,336,9531,285,5981,224,6591,182,3381,072,7771,043,0681,022,9311,013,794828,314949,168937,993915,274900,229511,715501,301471,308462,698426,278407,245410,263393,013378,327357,220351,839336,734319,026296,986301,821281,899282,889281,417281,595250,041238,850219,506216,015200,313195,459187,490000
> Total Liabilities 
0
0
0
243,185
254,890
262,542
275,347
285,229
292,749
305,855
337,887
342,566
343,717
349,751
372,890
372,336
389,912
409,424
423,826
429,558
433,546
446,504
471,968
465,401
480,458
520,943
525,961
544,150
548,912
682,893
696,487
719,643
731,158
736,424
777,847
788,855
819,446
839,828
907,115
948,436
979,261
1,006,564
1,049,347
1,085,546
1,164,056
1,200,853
1,313,847
1,351,238
1,349,720
1,377,849
1,358,144
1,315,900
1,327,516
1,220,846
1,181,999
1,144,974
1,108,189
1,103,413
1,122,840
1,086,373
1,101,765
1,064,856
1,076,874
1,063,178
1,057,566
1,102,521
1,139,612
1,159,755
1,149,032
1,170,314
1,214,359
1,279,645
1,316,477
1,331,667
1,389,202
1,414,084
1,493,350
1,498,981
1,575,198
1,760,955
1,794,116
2,179,640
2,090,184
2,160,025
2,176,918
2,547,158
2,548,820
2,504,323
2,709,086
2,646,779
2,601,613
2,562,909
2,645,733
2,586,674
2,634,714
2,693,512
2,771,387
2,762,556
2,811,355
2,799,184
2,911,649
2,920,406
4,954,383
4,914,341
4,908,650
4,908,6504,914,3414,954,3832,920,4062,911,6492,799,1842,811,3552,762,5562,771,3872,693,5122,634,7142,586,6742,645,7332,562,9092,601,6132,646,7792,709,0862,504,3232,548,8202,547,1582,176,9182,160,0252,090,1842,179,6401,794,1161,760,9551,575,1981,498,9811,493,3501,414,0841,389,2021,331,6671,316,4771,279,6451,214,3591,170,3141,149,0321,159,7551,139,6121,102,5211,057,5661,063,1781,076,8741,064,8561,101,7651,086,3731,122,8401,103,4131,108,1891,144,9741,181,9991,220,8461,327,5161,315,9001,358,1441,377,8491,349,7201,351,2381,313,8471,200,8531,164,0561,085,5461,049,3471,006,564979,261948,436907,115839,828819,446788,855777,847736,424731,158719,643696,487682,893548,912544,150525,961520,943480,458465,401471,968446,504433,546429,558423,826409,424389,912372,336372,890349,751343,717342,566337,887305,855292,749285,229275,347262,542254,890243,185000
   > Total Current Liabilities 
0
0
0
15,406
25,950
26,650
21,788
24,795
541
366
36,203
29,867
315
283
259
32,360
28,786
219
212
5,935
229
231
243
6,326
20,825
28,654
34,835
10
31,372
36,758
43,582
48,484
45,256
49,378
66,726
66,596
54,801
66,353
94,697
72,781
77,191
85,721
108,350
97,914
111,212
46,266
124,869
87,850
86,750
62,878
27,534
40,374
65,321
38,320
23,728
424
26,764
41,148
71,807
60,874
73,981
67,797
72,654
76,920
87,076
115,012
67,059
73,937
76,243
58,392
56,780
103,030
128,524
111,740
108,572
110,754
110,111
89,480
62,485
64,069
38,254
49,017
71,731
189,589
224,792
37,032
36,630
38,029
49,343
40,038
37,959
40,820
41,351
50,099
61,219
61,850
47,404
55,407
57,603
1,567,805
434,060
443,021
815,404
0
0
00815,404443,021434,0601,567,80557,60355,40747,40461,85061,21950,09941,35140,82037,95940,03849,34338,02936,63037,032224,792189,58971,73149,01738,25464,06962,48589,480110,111110,754108,572111,740128,524103,03056,78058,39276,24373,93767,059115,01287,07676,92072,65467,79773,98160,87471,80741,14826,76442423,72838,32065,32140,37427,53462,87886,75087,850124,86946,266111,21297,914108,35085,72177,19172,78194,69766,35354,80166,59666,72649,37845,25648,48443,58236,75831,3721034,83528,65420,8256,3262432312295,93521221928,78632,36025928331529,86736,20336654124,79521,78826,65025,95015,406000
       Short-term Debt 
0
0
0
15,406
25,543
26,650
21,290
21,515
0
0
35,804
29,867
0
0
0
28,539
28,539
0
0
1,653
0
0
0
19,493
20,545
28,352
34,571
36,138
30,877
36,000
42,720
41,703
44,228
48,449
59,804
58,130
53,524
65,327
87,353
64,007
75,913
84,399
107,070
97,914
110,213
45,367
124,869
87,850
86,750
62,878
27,534
20,000
53,752
27,493
12,066
9,650
15,244
26,619
25,320
50,000
48,821
53,920
56,279
65,000
75,272
103,276
54,831
60,000
62,693
43,393
42,852
87,864
113,414
90,562
91,571
50,000
93,731
63,838
45,353
55,000
9,579
9,373
36,605
154,869
189,065
0
0
189,065
189,065
23,499
27,891
24,905
25,492
24,860
21,325
123,664
14,859
111,655
18,325
133,634
13,113
15,303
21,932
0
0
0021,93215,30313,113133,63418,325111,65514,859123,66421,32524,86025,49224,90527,89123,499189,065189,06500189,065154,86936,6059,3739,57955,00045,35363,83893,73150,00091,57190,562113,41487,86442,85243,39362,69360,00054,831103,27675,27265,00056,27953,92048,82150,00025,32026,61915,2449,65012,06627,49353,75220,00027,53462,87886,75087,850124,86945,367110,21397,914107,07084,39975,91364,00787,35365,32753,52458,13059,80448,44944,22841,70342,72036,00030,87736,13834,57128,35220,54519,4930001,6530028,53928,53900029,86735,8040021,51521,29026,65025,54315,406000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
101,554
0
0
0
113,651
62,693
43,393
42,852
20,000
117,491
114,553
155,474
365
177,456
147,473
128,896
40,382
9,579
9,373
36,605
154,869
189,065
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000000000189,065154,86936,6059,3739,57940,382128,896147,473177,456365155,474114,553117,49120,00042,85243,39362,693113,651000101,554000000000000000000000000000000000000000000000000000000000000000
       Accounts payable 
0
0
0
422
407
0
498
3,280
541
366
399
281,168
315
283
259
3,821
247
219
212
4,282
229
231
243
4,976
280
302
264
550
495
758
862
6,781
1,028
929
6,922
8,466
1,277
1,026
7,344
8,774
1,278
1,322
1,280
915,170
999
899
1,138,869
1,188,377
1,207,373
1,260,206
1,286,901
10,187
11,569
10,827
11,662
12,815
11,520
14,529
46,156
10,874
24,821
13,877
16,375
11,920
11,804
11,736
12,228
13,937
13,550
14,621
13,928
15,166
15,110
21,178
17,001
17,178
16,380
25,642
17,132
22,821
28,675
39,644
35,126
34,720
35,727
37,032
36,630
38,029
49,343
40,038
37,959
40,820
41,351
50,099
74,219
61,850
47,404
55,407
57,603
0
0
0
0
0
0
00000057,60355,40747,40461,85074,21950,09941,35140,82037,95940,03849,34338,02936,63037,03235,72734,72035,12639,64428,67522,82117,13225,64216,38017,17817,00121,17815,11015,16613,92814,62113,55013,93712,22811,73611,80411,92016,37513,87724,82110,87446,15614,52911,52012,81511,66210,82711,56910,1871,286,9011,260,2061,207,3731,188,3771,138,869899999915,1701,2801,3221,2788,7747,3441,0261,2778,4666,9229291,0286,7818627584955502643022804,9762432312294,2822122192473,821259283315281,1683993665413,2804980407422000
       Other Current Liabilities 
0
0
0
-15,828
-25,950
-26,650
-21,788
-24,795
-541
-366
-36,203
-29,867
-315
-283
-259
-32,360
-28,786
-219
-212
-5,935
-229
-231
-243
-24,469
-20,825
-28,654
-34,835
-36,688
-31,372
-36,758
-43,582
-48,484
-45,256
-49,378
-66,726
-66,596
-54,801
-66,353
-94,697
-72,781
-77,191
-85,721
-108,350
-97,914
-111,212
-46,266
-124,869
-87,850
-86,750
-62,878
-27,534
10,187
-65,321
-38,320
-23,728
-12,391
-26,764
-41,148
-71,476
-69,906
-73,642
-67,797
-72,654
-98,662
-87,076
-115,012
-67,059
-103,093
-76,243
-58,014
-56,780
-67,166
-128,524
-111,740
-108,572
43,576
-110,111
-89,480
-62,485
-13,752
-38,254
-49,017
-71,731
34,720
1,897,296
-37,032
-36,630
-38,029
-49,343
-23,499
-27,891
-24,905
-25,492
-50,099
-13,000
-61,850
-79,949
841
-96,881
1,567,805
420,947
427,718
815,404
0
0
00815,404427,718420,9471,567,805-96,881841-79,949-61,850-13,000-50,099-25,492-24,905-27,891-23,499-49,343-38,029-36,630-37,0321,897,29634,720-71,731-49,017-38,254-13,752-62,485-89,480-110,11143,576-108,572-111,740-128,524-67,166-56,780-58,014-76,243-103,093-67,059-115,012-87,076-98,662-72,654-67,797-73,642-69,906-71,476-41,148-26,764-12,391-23,728-38,320-65,32110,187-27,534-62,878-86,750-87,850-124,869-46,266-111,212-97,914-108,350-85,721-77,191-72,781-94,697-66,353-54,801-66,596-66,726-49,378-45,256-48,484-43,582-36,758-31,372-36,688-34,835-28,654-20,825-24,469-243-231-229-5,935-212-219-28,786-32,360-259-283-315-29,867-36,203-366-541-24,795-21,788-26,650-25,950-15,828000
   > Long-term Liabilities 
0
0
0
20,822
20,815
20,816
20,816
0
29,487
29,200
29,200
0
31,512
31,513
31,512
0
0
37,486
37,326
35,540
36,031
35,869
35,705
34,219
35,403
33,886
33,718
40,306
37,085
23,247
22,638
32,440
36,212
28,482
52,250
75,903
88,455
88,038
103,616
118,287
112,929
105,067
85,700
64,858
47,484
57,132
40,828
65,178
45,068
44,753
34,120
53,798
48,472
38,142
37,808
37,470
37,128
1,076,794
1,097,520
1,027,341
1,052,944
1,010,936
1,020,595
976,436
982,294
999,245
1,084,781
1,070,599
1,086,339
1,126,921
1,171,507
1,279,208
1,203,063
1,241,105
1,297,631
1,413,589
1,399,619
1,435,143
1,529,845
1,696,886
1,784,537
2,170,267
2,053,579
2,005,156
233,027
2,547,158
2,548,820
89,948
89,860
89,769
33,951
33,859
33,766
33,672
61,219
61,850
2,771,387
2,762,556
2,811,355
2,796,624
2,477,589
2,477,385
4,117,047
4,914,341
0
04,914,3414,117,0472,477,3852,477,5892,796,6242,811,3552,762,5562,771,38761,85061,21933,67233,76633,85933,95189,76989,86089,9482,548,8202,547,158233,0272,005,1562,053,5792,170,2671,784,5371,696,8861,529,8451,435,1431,399,6191,413,5891,297,6311,241,1051,203,0631,279,2081,171,5071,126,9211,086,3391,070,5991,084,781999,245982,294976,4361,020,5951,010,9361,052,9441,027,3411,097,5201,076,79437,12837,47037,80838,14248,47253,79834,12044,75345,06865,17840,82857,13247,48464,85885,700105,067112,929118,287103,61688,03888,45575,90352,25028,48236,21232,44022,63823,24737,08540,30633,71833,88635,40334,21935,70535,86936,03135,54037,32637,4860031,51231,51331,512029,20029,20029,487020,81620,81620,81520,822000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
44,753
34,120
53,798
48,472
38,142
37,808
37,470
37,128
26,782
16,431
16,077
25,718
15,354
14,986
14,812
24,734
24,655
24,575
24,495
24,413
24,331
24,247
24,163
4,077
23,991
63,903
83,815
83,725
83,635
83,543
115,309
135,166
115,082
31,834
94,914
233,027
234,679
215,262
89,948
89,860
89,769
31,948
33,859
31,978
31,994
32,010
138,165
32,042
32,059
0
0
0
0
0
0
0
000000032,05932,042138,16532,01031,99431,97833,85931,94889,76989,86089,948215,262234,679233,02794,91431,834115,082135,166115,30983,54383,63583,72583,81563,90323,9914,07724,16324,24724,33124,41324,49524,57524,65524,73414,81214,98615,35425,71816,07716,43126,78237,12837,47037,80838,14248,47253,79834,12044,7530000000000000000000000000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
3,075
3,089
3,277
3,355
3,403
3,226
3,491
3,821
4,087
3,665
3,707
4,282
4,392
3,793
4,745
4,976
5,659
5,259
5,384
4,884
4,607
4,944
5,988
6,781
7,045
5,732
6,922
8,466
10,363
9,327
7,344
8,774
8,343
7,976
7,483
7,604
8,684
8,804
9,281
9,833
10,530
10,012
9,589
10,187
11,569
10,827
11,662
12,815
11,520
14,529
46,156
10,874
24,821
13,877
16,375
11,920
11,804
11,736
12,228
13,937
13,550
14,621
13,928
15,166
15,110
21,178
17,001
17,178
16,380
25,187
16,544
21,520
19,192
26,965
23,218
24,153
24,695
25,484
25,207
26,609
38,344
29,396
27,855
28,787
27,389
33,629
52,851
40,085
28,301
32,111
0
0
0
0
0
0
0
000000032,11128,30140,08552,85133,62927,38928,78727,85529,39638,34426,60925,20725,48424,69524,15323,21826,96519,19221,52016,54425,18716,38017,17817,00121,17815,11015,16613,92814,62113,55013,93712,22811,73611,80411,92016,37513,87724,82110,87446,15614,52911,52012,81511,66210,82711,56910,1879,58910,01210,5309,8339,2818,8048,6847,6047,4837,9768,3438,7747,3449,32710,3638,4666,9225,7327,0456,7815,9884,9444,6074,8845,3845,2595,6594,9764,7453,7934,3924,2823,7073,6654,0873,8213,4913,2263,4033,3553,2773,0893,07500000000
> Total Stockholder Equity
0
0
0
21,868
22,457
23,548
24,930
26,674
28,397
29,085
31,057
31,162
32,244
34,282
36,226
37,962
38,628
40,338
41,132
42,835
44,848
45,532
47,435
49,250
50,553
53,076
55,219
57,310
58,678
85,046
87,343
89,388
90,840
91,890
94,266
96,124
98,113
99,691
101,176
103,347
105,102
106,425
110,649
110,886
151,982
157,903
163,933
160,484
162,673
153,441
159,171
128,197
119,225
107,629
87,320
87,694
88,849
87,804
89,638
91,439
96,252
102,452
106,518
127,265
131,854
130,262
134,728
133,061
138,247
141,039
139,795
134,859
137,469
143,263
144,384
144,765
142,556
145,137
145,557
173,433
179,167
219,868
223,493
223,249
210,570
225,638
232,847
246,249
254,448
265,938
268,569
271,656
254,804
237,527
217,378
228,896
240,161
245,641
243,080
265,056
271,682
278,376
516,206
516,682
532,936
532,936516,682516,206278,376271,682265,056243,080245,641240,161228,896217,378237,527254,804271,656268,569265,938254,448246,249232,847225,638210,570223,249223,493219,868179,167173,433145,557145,137142,556144,765144,384143,263137,469134,859139,795141,039138,247133,061134,728130,262131,854127,265106,518102,45296,25291,43989,63887,80488,84987,69487,320107,629119,225128,197159,171153,441162,673160,484163,933157,903151,982110,886110,649106,425105,102103,347101,17699,69198,11396,12494,26691,89090,84089,38887,34385,04658,67857,31055,21953,07650,55349,25047,43545,53244,84842,83541,13240,33838,62837,96236,22634,28232,24431,16231,05729,08528,39726,67424,93023,54822,45721,868000
   Common Stock
0
0
0
231
231
232
233
233
234
235
247
248
248
249
249
250
250
263
264
264
265
266
266
267
268
268
269
283
283
320
320
320
320
336
336
336
336
336
336
336
336
337
337
337
414
415
416
-32
416
417
419
419
419
420
420
421
421
421
422
422
422
422
430
430
430
436
435
435
437
437
437
437
434
435
435
435
438
438
437
491
494
584
584
584
586
586
586
586
586
586
586
586
585
585
585
584
584
583
583
583
583
583
1,027
1,027
1,026
1,0261,0271,027583583583583583584584585585585586586586586586586586586584584584494491437438438435435435434437437437437435435436430430430422422422422421421421420420419419419417416-32416415414337337337336336336336336336336336320320320320283283269268268267266266265264264263250250249249248248247235234233233232231231000
   Retained Earnings Total Equity
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
28,207
30,676
1,195
-7,023
-16,937
-38,289
-37,259
-35,699
-32,291
-30,182
-27,255
-25,277
-22,404
-17,227
1,887
4,349
5,272
7,151
7,939
9,855
9,787
10,483
11,669
12,848
15,324
17,264
16,042
18,667
21,584
24,529
24,472
26,161
27,462
32,690
35,246
38,408
42,862
45,938
54,099
62,302
69,052
74,122
78,700
84,943
91,723
84,867
92,473
97,519
105,239
0
0
0
0
0
0
0
0000000105,23997,51992,47384,86791,72384,94378,70074,12269,05262,30254,09945,93842,86238,40835,24632,69027,46226,16124,47224,52921,58418,66716,04217,26415,32412,84811,66910,4839,7879,8557,9397,1515,2724,3491,887-17,227-22,404-25,277-27,255-30,182-32,291-35,699-37,259-38,289-16,937-7,0231,19530,67628,2070000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
-578
-717
-689
-226
462
1,151
657
1,379
280
176
898
1,543
2,049
1,475
1,717
1,109
1,134
1,435
514
853
826
253
673
446
187
31
-345
350
507
554
19
333
567
934
146
-236
1,369
1,505
453
1,692
-501
584
3,728
6,129
-88
15
2,875
5,772
4,089
3,314
1,550
2,593
1,828
1,325
-3,133
-3,682
-4,813
-2,037
1,285
55
1,576
3,522
745
3,207
1,199
4,434
7,421
5,136
-1,165
-98
2,857
1,580
2,845
-2,238
-2,693
-5,472
-2,972
810
3,408
2,675
-480
-15,097
-5,114
-1,455
3,345
3,315
7,578
5,661
4,449
-14,674
-29,370
-43,468
-39,913
-32,825
-34,196
-44,343
-28,476
-28,668
-28,404
-15,888
-26,316
-24,024
-24,024-26,316-15,888-28,404-28,668-28,476-44,343-34,196-32,825-39,913-43,468-29,370-14,6744,4495,6617,5783,3153,345-1,455-5,114-15,097-4802,6753,408810-2,972-5,472-2,693-2,2382,8451,5802,857-98-1,1655,1367,4214,4341,1993,2077453,5221,576551,285-2,037-4,813-3,682-3,1331,3251,8282,5931,5503,3144,0895,7722,87515-886,1293,728584-5011,6924531,5051,369-23614693456733319554507350-345311874466732538268535141,4351,1341,1091,7171,4752,0491,5438981762801,3796571,151462-226-689-717-578000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
121,962
122,324
122,514
122,535
122,616
122,616
122,724
122,822
122,827
123,100
123,105
123,164
123,169
123,280
123,392
123,573
123,829
124,102
124,317
124,548
124,807
124,935
124,935
124,365
124,727
125,120
125,458
125,988
126,402
126,260
151,678
151,702
188,414
188,582
188,365
187,843
188,226
188,588
189,066
188,511
188,772
189,168
189,689
188,033
188,178
188,730
189,264
187,572
187,859
0
0
0
0
0
0
0
0000000187,859187,572189,264188,730188,178188,033189,689189,168188,772188,511189,066188,588188,226187,843188,365188,582188,414151,702151,678126,260126,402125,988125,458125,120124,727124,365124,935124,935124,807124,548124,317124,102123,829123,573123,392123,280123,169123,164123,105123,100122,827122,822122,724122,616122,616122,535122,514122,324121,9620000000000000000000000000000000000000000000000000
   Treasury Stock0000000-13,844-12,689-13,512-13,336-13,589-4,083-1,768-968-50-266-848-810-922-1,170-466-1,03800-236-197-594-299-15-15-80-80-1,017-1,196-1,413-1,027-829-167-20-20-20-20-20-20-20-20-20-20-20-20-20-20-20-20-20-7-32-248-53-241-702-1,571-1,930-2,033-2,033-952-908-1,152-1,135-1,087-912-581-396-543-36800000000000000000000000000000
   Other Stockholders Equity 
0
0
0
18,498
18,589
18,888
19,091
19,360
19,606
19,835
24,787
25,077
25,334
25,558
25,707
25,913
26,089
32,353
32,551
32,928
33,445
33,767
34,034
34,434
34,858
35,174
35,595
46,876
46,881
71,990
71,815
71,947
71,777
81,780
81,764
81,920
81,336
81,511
81,965
80,522
80,858
81,184
81,699
82,530
120,552
121,176
121,702
121,892
121,988
121,942
122,723
126,583
122,934
123,016
122,596
124,532
122,802
122,807
123,080
123,085
123,144
123,149
123,260
124,948
123,553
123,809
123,935
123,488
123,521
123,394
123,739
123,918
124,285
124,647
125,105
125,443
125,689
125,808
126,063
151,442
151,702
188,414
187,544
187,899
186,673
187,304
187,778
188,218
188,245
188,722
188,200
187,921
183,950
174,589
175,394
175,752
174,883
174,015
174,696
175,282
175,692
176,527
413,756
415,431
416,387
416,387415,431413,756176,527175,692175,282174,696174,015174,883175,752175,394174,589183,950187,921188,200188,722188,245188,218187,778187,304186,673187,899187,544188,414151,702151,442126,063125,808125,689125,443125,105124,647124,285123,918123,739123,394123,521123,488123,935123,809123,553124,948123,260123,149123,144123,085123,080122,807122,802124,532122,596123,016122,934126,583122,723121,942121,988121,892121,702121,176120,55282,53081,69981,18480,85880,52281,96581,51181,33681,92081,76481,78071,77771,94771,81571,99046,88146,87635,59535,17434,85834,43434,03433,76733,44532,92832,55132,35326,08925,91325,70725,55825,33425,07724,78719,83519,60619,36019,09118,88818,58918,498000



5.3. Balance Sheets

Currency in USD. All numbers in thousands.




5.4. Cash Flows

Currency in USD. All numbers in thousands.




5.5. Income Statements

Currency in USD. All numbers in thousands.


5.6. Latest Income Statement

Income Statement (annual), 2024-12-31. Currency in USD. All numbers in thousands.

Gross Profit (+$)
totalRevenue176,143
Cost of Revenue-0
Gross Profit176,143176,143
 
Operating Income (+$)
Gross Profit176,143
Operating Expense-99,175
Operating Income76,96876,968
 
Operating Expense (+$)
Research Development0
Selling General Administrative80,041
Selling And Marketing Expenses2,587
Operating Expense99,17582,628
 
Net Interest Income (+$)
Interest Income248,933
Interest Expense-93,679
Other Finance Cost-0
Net Interest Income155,254
 
Pretax Income (+$)
Operating Income76,968
Net Interest Income155,254
Other Non-Operating Income Expenses0
Income Before Tax (EBT)27,806126,130
EBIT - interestExpense = -93,679
27,806
115,729
Interest Expense93,679
Earnings Before Interest and Taxes (EBIT)0121,485
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax27,806
Tax Provision-5,756
Net Income From Continuing Ops22,05022,050
Net Income22,050
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses99,175
Total Other Income/Expenses Net-49,162-155,254
 

Technical Analysis of Orrstown
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Orrstown. The general trend of Orrstown is BULLISH with 14.3% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Orrstown's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (14.3%) Bearish trend (-14.3%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Orrstown Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Orrstown Financial Services Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 33.21 < 33.25 < 34.31.

The bearish price targets are: 31.92 > 31.51 > 31.08.

Know someone who trades $ORRF? Share this with them.👇

Orrstown Financial Services Inc Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Orrstown Financial Services Inc. The current mas is .

The long score for the Moving Averages is 8/14.
The longshort score for the Moving Averages is 2/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Orrstown Financial Services Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Orrstown Financial Services Inc. The current macd is 0.74863112.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Orrstown price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Orrstown. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Orrstown price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Orrstown Financial Services Inc Daily Moving Average Convergence/Divergence (MACD) ChartOrrstown Financial Services Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Orrstown Financial Services Inc. The current adx is 36.34.

The long score for the Directional Movement Index (DMI) is 4/7.
The longshort score for the Directional Movement Index (DMI) is 4/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Orrstown shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bullish trend. The ADX is trending up, so the bullish trend is strengthening.
Orrstown Financial Services Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Orrstown Financial Services Inc. The current sar is 30.79.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Orrstown Financial Services Inc Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Orrstown Financial Services Inc. The current rsi is 74.76. The current phase is Overbought in bull market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 0/(-13 +13).

  • Overbought in bull market: Short-term excessive buying, potential for pullback. Consider taking profits, be cautious of potential correction. -1
  • Trending up: The RSI is trending up. +1
Orrstown Financial Services Inc Daily Relative Strength Index (RSI) ChartOrrstown Financial Services Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Orrstown Financial Services Inc. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 3/6.
The longshort score for the Stochastic Oscillator is 0/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Orrstown price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Orrstown Financial Services Inc Daily Stochastic Oscillator ChartOrrstown Financial Services Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Orrstown Financial Services Inc. The current cci is 197.72.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
Orrstown Financial Services Inc Daily Commodity Channel Index (CCI) ChartOrrstown Financial Services Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Orrstown Financial Services Inc. The current cmo is 62.60.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Orrstown Financial Services Inc Daily Chande Momentum Oscillator (CMO) ChartOrrstown Financial Services Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Orrstown Financial Services Inc. The current willr is -6.4516129.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Orrstown Financial Services Inc Daily Williams %R ChartOrrstown Financial Services Inc Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Orrstown Financial Services Inc.

Orrstown Financial Services Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Orrstown Financial Services Inc. The current atr is 0.78068662.

Orrstown Financial Services Inc Daily Average True Range (ATR) ChartOrrstown Financial Services Inc Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Orrstown Financial Services Inc. The current obv is 3,024,697.

Orrstown Financial Services Inc Daily On-Balance Volume (OBV) ChartOrrstown Financial Services Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Orrstown Financial Services Inc. The current mfi is 72.04.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Orrstown Financial Services Inc Daily Money Flow Index (MFI) ChartOrrstown Financial Services Inc Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Orrstown Financial Services Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-11STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-12STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-18STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-19STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-20WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-02-21STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-25STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-27MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-28DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-03DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-03-04STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-03-05MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-03-07STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-10STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-12STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-13STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-14RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-18SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-19STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-21MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-24DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-25STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-26WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-27SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-03-28CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-03-31DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-01STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-02RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-03MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-04-04STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-07MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-04-08STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-09STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-10STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-04-14STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-15RSI LONG ENTRY SHORT CLOSE30 crossover to upside
2025-04-16SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-04-17MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-04-23DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-29CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-01STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-02STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-05STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-08STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-12STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-16SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-05-21CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-22MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-05-23DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-05-27DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-28STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-05-30STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-02SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-03STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-04STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-06STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-09MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-06-10WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-06-11STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-13CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-16MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-17CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-06-18STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-23SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-24MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-06-25STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-26STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-06-30STOCH LONG EXITThe %K line crosses below the %D line.
2025-07-01STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-07-03STOCH LONG EXITThe %K line crosses below the %D line.

6.3. Candlestick Patterns

Orrstown Financial Services Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Orrstown Financial Services Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5074.758
Ma 20Greater thanMa 5031.177
Ma 50Greater thanMa 10030.520
Ma 100Greater thanMa 20030.526
OpenGreater thanClose33.430
Total2/5 (40.0%)
Penke
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