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/research/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

36.7/100

Rank #2,087 of 2,879 stocks

View Financials peers →

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

Revenue Growth

30.0/100

Profitability

30.0/100

Balance Sheet

47.8/100

Earnings Quality

84.0/100

Free Cash Flow

30.0/100

Institutional Flow

73.8/100

Revenue Scale

30.0/100

Dilution Risk

13.5/100

ORRF Stock Analysis & AI Quality Score

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 36.7/100 on a 32-signal composite quality model, placing it at rank #2,087 of 2,879 stocks — the bottom half of the AI-ranked universe. ORRF scores in the top quartile across earnings quality (84.0). Areas of concern include revenue growth (30.0) and profitability (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 13.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), ORRSTOWN FINANCIAL SERVICES INC reports quarterly revenue of $64.6M, net income of $21.8M, an operating margin of 42.6%. 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.

Revenue

Q1 2026

$64.6M

Net Income

Q1 2026

$21.8M

Free Cash Flow

Q1 2026

$25.1M

Operating Margin

Q1 2026

42.6%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+0.1% YoY

$19.5MFY 2023

FY18 $15.0MFY19 $18.0MFY22 $19.5MFY23 $19.5M

Net Income

+61.8% YoY

$35.7MFY 2023

FY18 $12.8MFY19 $16.9MFY22 $22.0MFY23 $35.7M

EPS (Diluted)

+66.0% YoY

$3.42FY 2023

FY18 $1.50FY19 $1.61FY22 $2.06FY23 $3.42

Total Assets

+4.9% YoY

$3.06BFY 2023

FY18 $1.93BFY19 $2.38BFY22 $2.92BFY23 $3.06B

Total Debt

+113.8% YoY

$40.0MFY 2023

FY18 $147.5MFY19 $71.3MFY22 $18.7MFY23 $40.0M

Op. Cash Flow

+20.7% YoY

$43.7MFY 2023

FY18 $22.5MFY19 $9.1MFY22 $36.2MFY23 $43.7M

Metric	FY 2023	FY 2022	FY 2019	FY 2018	FY 2017	FY 2016
Revenue	$19.5M +0.1%	$19.5M +8.4%	$18.0M +19.6%	$15.0M	—	—
Net Income	$35.7M +61.8%	$22.0M +30.2%	$16.9M +32.2%	$12.8M +58.3%	$8.1M +22.1%	$6.6M
EPS (Diluted)	$3.42 +66.0%	$2.06 +28.0%	$1.61 +7.3%	$1.50 +53.1%	$0.98 +21.0%	$0.81
Total Assets	$3.06B +4.9%	$2.92B +22.6%	$2.38B +23.2%	$1.93B +24.1%	$1.56B +10.2%	$1.41B
Total Debt	$40.0M +113.8%	$18.7M -73.8%	$71.3M -51.6%	$147.5M -16.8%	$177.4M +58.3%	$112.0M
Operating Cash Flow	$43.7M +20.7%	$36.2M +298.2%	$9.1M -59.6%	$22.5M +37.5%	$16.4M +4.9%	$15.6M

AI Insight: ORRF Financial Trends

ORRF's net income nearly tripled from Q2 2024 to Q1 2026 while equity grew 117%, signaling a materially stronger franchise.

• Net income surged from $8M in Q2 2024 to $22M in Q1 2026, nearly tripling over eight quarters.

• Equity expanded from $278M in Q2 2024 to $603M in Q1 2026, more than doubling — likely aided by the Q3 2024 merger.

• Operating cash flow jumped from $6M in Q2 2024 to $26M in Q1 2026, with Q1 2026 the strongest quarter on record in the dataset.

⚠ Q3 2024 net income was -$8M — a one-quarter loss coinciding with the equity step-up; integration costs bear monitoring.

⚠ Op CF was volatile: $24M in Q2 2025, dropping to $16M in Q4 2025 before rebounding. Sustainability of $26M in Q1 2026 is unproven.

AI Insight: ORRF Ratio Trends

ORRF's return metrics have rebounded sharply from a Q3 2024 loss quarter, with ROIC now consistently above 18%.

• ROIC recovered from -7.7% in Q3 2024 to 19.4% in Q3 2025 and held at 18.2% in Q1 2026.

• ROA improved from -0.6% in Q3 2024 to 1.6% in Q3 2025, Q4 2025, and Q1 2026 — a sustained recovery.

• ROE has stabilized in the 14–15% range over the last four quarters after a volatile 2024.

⚠ Q3 2024 showed a severe one-quarter loss (ROE -6.1%, ROIC -7.7%); the underlying cause warrants monitoring for recurrence.

⚠ ROIC edged down from 19.4% in Q3 2025 to 18.2% in Q1 2026 — watch for further sequential softening.

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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.
$53.4M1,480,561 sh
DIMENSIONAL FUND ADVISORS LP
$32.5M900,674 sh
VANGUARD CAPITAL MANAGEMENT LLC
$29.5M817,621 sh
STATE STREET CORP
$28.9M800,719 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$21.4M592,687 sh
GEODE CAPITAL MANAGEMENT, LLC
$19.2M531,430 sh
AMERICAN CENTURY COMPANIES INC
$17.9M497,085 sh
Nuveen, LLC
$12.2M337,968 sh
TWO SIGMA INVESTMENTS, LP
$10.9M300,970 sh
Assenagon Asset Management S.A.
$10.7M297,763 sh

Fund	Value	Shares
BlackRock, Inc.	$53.4M	1,480,561
DIMENSIONAL FUND ADVISORS LP	$32.5M	900,674
VANGUARD CAPITAL MANAGEMENT LLC	$29.5M	817,621
STATE STREET CORP	$28.9M	800,719
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$21.4M	592,687
GEODE CAPITAL MANAGEMENT, LLC	$19.2M	531,430
AMERICAN CENTURY COMPANIES INC	$17.9M	497,085
Nuveen, LLC	$12.2M	337,968
TWO SIGMA INVESTMENTS, LP	$10.9M	300,970
Assenagon Asset Management S.A.	$10.7M	297,763

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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.

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.