What is the 13F Pro Quality Score for ORRF?

13F Pro ranks ORRSTOWN FINANCIAL SERVICES INC (ORRF) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ORRF's current score at https://13fpro.ai/company/ORRF (free sign-up required for the full ranking).

Where does 13F Pro source ORRF data?

All ORRSTOWN FINANCIAL SERVICES INC fundamentals and ownership data come directly from SEC EDGAR. ORRSTOWN FINANCIAL SERVICES INC files with the SEC under CIK 826154. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ORRF in?

ORRSTOWN FINANCIAL SERVICES INC (ORRF) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is ORRF research updated on 13F Pro?

ORRF's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

ORRSTOWN FINANCIAL SERVICES INC(ORRF)Stock Analysis

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SEC EDGAR: CIK 826154 ORRF stock profile & AI dashboard →

13F Pro Quality Score

63.3/100

Rank #644 of 2,962 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

91.2/100

Profitability

94.7/100

Balance Sheet

50.0/100

Earnings Quality

34.5/100

Free Cash Flow

86.8/100

Institutional Flow

17.4/100

Revenue Scale

27.2/100

Dilution Risk

13.0/100

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Why ORRF Scores 63/100

exact factor attribution · 2026-09-11

ORRF's composite is driven by revenue growth and profitability, held back by scale and shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+11.0 pts

91th pct

Profitability

+8.9 pts

95th pct

Free cash flow

+5.5 pts

87th pct

Earnings growth

+2.6 pts

89th pct

Capital efficiency

+0.0 pts

50th pct

Earnings quality

-1.6 pts

35th pct

Institutional flow

-2.2 pts

17th pct

Shareholder dilution

-2.5 pts

13th pct

Scale

-4.6 pts

27th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

ORRF Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for ORRSTOWN FINANCIAL SERVICES INC (ORRF), a Financials sector company. 13F Pro's AI-powered ranking engine scores ORRF at 63.3/100 on a 32-signal composite quality model, placing it at rank #644 of 2,962 stocks — the top 25% of the AI-ranked universe. ORRF scores in the top quartile across profitability (94.7), revenue growth (91.2), free cash flow (86.8). Areas of concern include institutional flow (17.4) and revenue scale (27.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 13.0/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), ORRSTOWN FINANCIAL SERVICES INC reports quarterly revenue of $62.7M, net income of $21.2M, an operating margin of 39.4%. Top institutional holders of ORRF by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. ORRF trades on the Nasdaq exchange and files with the SEC under CIK 826154. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ORRF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for ORRSTOWN FINANCIAL SERVICES INC directly from SEC EDGAR. ORRSTOWN FINANCIAL SERVICES INC's 13F Pro composite quality score has ranged between 35 and 63 since 2026, currently 63.3 — an improving long-term trajectory across 48 quarterly and live scoring snapshots.

Revenue

Q2 2026

$62.7M

Net Income

Q2 2026

$21.2M

Free Cash Flow

Q2 2026

$22.4M

Operating Margin

Q2 2026

39.4%

ROIC

Q2 2026

15.9%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+823.1% YoY

$252.1MFY 2025

FY22 $126.6MFY23 $130.6MFY24 $27.3MFY25 $252.1M

Net Income

+266.7% YoY

$80.9MFY 2025

FY22 $22.0MFY23 $35.7MFY24 $22.1MFY25 $80.9M

EPS (Diluted)

+182.4% YoY

$4.18FY 2025

FY22 $2.06FY23 $3.42FY24 $1.48FY25 $4.18

Total Assets

+1.8% YoY

$5.54BFY 2025

FY22 $2.92BFY23 $3.06BFY24 $5.44BFY25 $5.54B

Total Debt

—FY 2025

FY22 $18.7MFY23 $40.0MFY24 —FY25 —

Op. Cash Flow

+113.8% YoY

$74.7MFY 2025

FY22 $36.2MFY23 $43.7MFY24 $35.0MFY25 $74.7M

Free Cash Flow

+111.2% YoY

$70.5MFY 2025

FY22 $35.3MFY23 $41.4MFY24 $33.4MFY25 $70.5M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$252.1M +823.1%	$27.3M -79.1%	$130.6M +3.1%	$126.6M +9.0%	$116.1M +3.8%	$111.9M
Net Income	$80.9M +266.7%	$22.1M -38.2%	$35.7M +61.8%	$22.0M -33.0%	$32.9M +24.3%	$26.5M
EPS (Diluted)	$4.18 +182.4%	$1.48 -56.7%	$3.42 +66.0%	$2.06 -30.4%	$2.96 +23.3%	$2.40
Total Assets	$5.54B +1.8%	$5.44B +77.6%	$3.06B +4.9%	$2.92B +3.1%	$2.83B +3.1%	$2.75B
Total Debt	—	—	$40.0M +113.8%	$18.7M -25.8%	$25.2M +15.7%	$21.8M
Operating Cash Flow	$74.7M +113.8%	$35.0M -20.0%	$43.7M +20.7%	$36.2M -11.3%	$40.8M +35.3%	$30.2M
Free Cash Flow	$70.5M +111.2%	$33.4M -19.4%	$41.4M +17.3%	$35.3M -10.8%	$39.6M +37.0%	$28.9M

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Available Research

13F Pro tracks comprehensive data for ORRSTOWN FINANCIAL SERVICES INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ORRF

BlackRock, Inc.
$68.6M1,680,316 sh
DIMENSIONAL FUND ADVISORS LP
$39.4M964,868 sh
VANGUARD CAPITAL MANAGEMENT LLC
$34.1M835,238 sh
STATE STREET CORP
$27.8M679,718 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$27.2M665,017 sh
AMERICAN CENTURY COMPANIES INC
$24.6M602,129 sh
GEODE CAPITAL MANAGEMENT, LLC
$23.1M566,715 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$12.4M304,510 sh
TWO SIGMA INVESTMENTS, LP
$11.8M290,058 sh
ALGERT GLOBAL LLC
$11.7M287,636 sh

Fund	Value	Shares
BlackRock, Inc.	$68.6M	1,680,316
DIMENSIONAL FUND ADVISORS LP	$39.4M	964,868
VANGUARD CAPITAL MANAGEMENT LLC	$34.1M	835,238
STATE STREET CORP	$27.8M	679,718
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$27.2M	665,017
AMERICAN CENTURY COMPANIES INC	$24.6M	602,129
GEODE CAPITAL MANAGEMENT, LLC	$23.1M	566,715
VANGUARD PORTFOLIO MANAGEMENT LLC	$12.4M	304,510
TWO SIGMA INVESTMENTS, LP	$11.8M	290,058
ALGERT GLOBAL LLC	$11.7M	287,636

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Is ORRF a good stock to buy?

13F Pro's AI-powered analysis of ORRSTOWN FINANCIAL SERVICES INC (ORRF) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ORRF are available on the ORRF stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. ORRF is classified as a small company.

Which hedge funds own ORRF?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ORRF. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of ORRSTOWN FINANCIAL SERVICES INC's investment landscape.