
Orrstown Financial (ORRF) Stock Forecast & Price Target
Orrstown Financial (ORRF) Analyst Ratings
Bulls say
Orrstown Financial Services Inc demonstrated a solid performance in Q2, with core net interest income (NII) rising by 6.1% quarter-over-quarter and a core net interest margin (NIM) increase of 20 basis points to 3.65%. Additionally, end-of-period loans expanded by 6% on a last quarter annualized (LQA) basis, reflecting robust lending activities across various sectors. The company's capital levels also showed improvement, with a tangible common equity (TCE) ratio of 8.42% and a 3.6% increase in tangible book value per share, underpinned by strong earnings generation illustrated by an impressive return on assets (ROA) of 1.54% and return on tangible common equity (ROTCE) of 20.9%.
Bears say
Orrstown Financial Services Inc. faces several risks that may impede its financial performance, particularly concerning loan growth and credit quality in its primary markets of Pennsylvania and Baltimore. The company is expecting noninterest income growth of only +2% in 2026, signaling potential stagnation in revenue generation, despite an initial surge projected for 2025. Additionally, the prevailing volatility in interest rates, especially the possibility of a flattening or negative yield curve, could further complicate the company's earnings outlook.
This aggregate rating is based on analysts' research of Orrstown Financial and is not a guaranteed prediction by Public.com or investment advice.
Orrstown Financial (ORRF) Analyst Forecast & Price Prediction
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