Analysts Conflicted on These Financial Names: Orrstown Financial Services (ORRF), First Hawaiian (FHB) and Southern California Bancorp (BCAL)
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 03 2025
0mins
Should l Buy ORRF?
Source: Business Insider
Orrstown Financial Services (ORRF): Analyst Tim Switzer from KBW maintains a Buy rating with a price target of $42.00, indicating a Moderate Buy consensus among analysts for the stock.
First Hawaiian (FHB) and Southern California Bancorp (BCAL): First Hawaiian holds a Hold rating with a price target of $31.00, while Southern California Bancorp has a Buy rating with a price target of $21.00, reflecting differing analyst sentiments in the financial sector.
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Analyst Views on ORRF
Wall Street analysts forecast ORRF stock price to rise
2 Analyst Rating
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 37.380
Low
39.00
Averages
40.50
High
42.00
Current: 37.380
Low
39.00
Averages
40.50
High
42.00
About ORRF
Orrstown Financial Services, Inc. is a financial holding company for its wholly owned subsidiary Orrstown Bank (the Bank). The Bank provides a range of consumer and business financial services in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York Counties, Pennsylvania and Anne Arundel, Baltimore, Harford, Howard, and Washington Counties, Maryland, as well as Baltimore City, Maryland. The Bank operates in the community banking segment and engages in lending activities, including commercial, residential, commercial mortgages, construction, municipal, and various forms of consumer lending and deposit services, including checking, savings, time and money market deposits. The Company's lending area also includes adjacent counties in Pennsylvania and Maryland, as well as Loudon County, Virginia and Berkeley, Jefferson and Morgan Counties, West Virginia. The Bank also provides fiduciary, investment advisory, insurance and brokerage services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Orrstown Financial Services Reports Record Q4 2025 Earnings
- Record Net Income: Orrstown achieved its highest annual net income of $80.9 million in its 106-year history, translating to $4.18 per diluted share, showcasing the company's success in risk management and revenue diversification, thereby enhancing confidence in future growth.
- Expense and Income Growth: The fourth quarter net income was $21.5 million or $1.11 per diluted share, with noninterest income comprising 22% of operating revenue for the third consecutive quarter, indicating effective strategies in enhancing customer service and revenue streams.
- Loan and Capital Management: The loan growth target for 2026 is set at over 5%, with a 4% increase in loans for the fourth quarter, and strong capital ratios reflecting the company's robust financial health amidst market fluctuations, which boosts investor confidence.
- Future Outlook: The CFO projected a net interest margin of 3.90% to 4% for 2026, despite anticipated compression, while expressing optimism about exceeding analyst consensus, indicating resilience and strategic flexibility in an uncertain market environment.
See More
Orrstown Financial Announces 11.1% Dividend Increase
- Dividend Increase: Orrstown Financial has declared a quarterly dividend increase from $0.27 to $0.30 per share, representing an 11.1% rise, which reflects the company's ongoing profitability improvement and boosts investor confidence.
- Stable Yield: The forward yield of 3.33% not only attracts income-seeking investors but also enhances the stock's market appeal, potentially driving up its price.
- Payment Schedule: The new dividend will be payable on February 17, with a record date of February 10 and an ex-dividend date also on February 10, ensuring shareholders receive timely returns and reinforcing their willingness to hold shares.
- Historical Performance: The dividend growth of Orrstown Financial underscores its robust financial health and sustained profitability, further solidifying its competitive position in the financial services sector.
See More
Orrstown Financial Q4 Earnings Exceed Expectations
- Earnings Beat: Orrstown Financial reported a Q4 non-GAAP EPS of $1.11, exceeding expectations by $0.05, indicating a sustained improvement in profitability that may attract more investor interest.
- Significant Revenue Growth: The company achieved revenues of $65.4 million, a 5.8% year-over-year increase, surpassing expectations by $11.36 million, reflecting its competitive strength and ability to expand its business.
- Positive Market Reaction: The earnings beat is likely to positively impact Orrstown Financial's stock price, enhancing investor confidence and potentially increasing shareholder returns.
- Optimistic Future Outlook: With ongoing operational optimizations and market share expansion, the company is expected to maintain growth momentum in the coming quarters, further solidifying its position in the financial services industry.
See More
Orrstown Financial Services Reports Record Earnings for 2025
- Net Income Surge: Orrstown Financial Services reported a net income of $80.9 million for 2025, a significant increase from $22.1 million in 2024, highlighting the company's strong performance and enhanced profitability in the market.
- Earnings Per Share Growth: The diluted earnings per share reached $4.18 in 2025, up from $1.48 in 2024, reflecting a sustained improvement in profitability that boosts investor confidence.
- Loan and Asset Expansion: As of December 31, 2025, total loans increased by $41 million, representing an annualized growth rate of approximately 4%, indicating the company's robust expansion in the credit market and further solidifying its market position.
- Increased Shareholder Returns: The Board declared a cash dividend of $0.30 per share, a $0.03 increase from the previous quarter, demonstrating the company's commitment to shareholders and its ongoing cash flow generation capabilities.
See More
Orrstown Bank Opens New Office for Financial Advisors in Chambersburg, PA, Enhancing Client Services
- New Office Opening: Orrstown Financial Advisors will open a new office at 990 Lincoln Way East, Chambersburg, PA, covering 4,000 sq. ft., aimed at enhancing client services and community engagement.
- Team Expansion: The new location will serve as the home base for a ten-person team currently at the Orrstown Bank branch, providing a more accessible environment for personalized financial guidance.
- Grand Opening Ceremony: A grand opening and ribbon-cutting ceremony will take place at 3 PM on January 15, 2026, inviting community members, clients, and local leaders to celebrate and strengthen community ties.
- Client Open House: OFA will host a Client Open House on February 12, 2026, allowing clients to tour the new office, connect with their Financial Advisors, and enjoy light refreshments, further enhancing client relationships.
See More
Orrstown (ORRF) Q3 Earnings: Analyzing Key Metrics Against Projections
Orrstown Financial Services Performance: Orrstown Financial Services (ORRF) reported $64.37 million in revenue for Q3 2025, a 0.5% increase year-over-year, with an EPS of $1.13, slightly up from $1.11 a year ago.
Earnings Surprises: The revenue exceeded the Zacks Consensus Estimate by 2.01%, while the EPS surpassed expectations by 6.6%, indicating stronger-than-expected financial performance.
Investment Opportunities: Zacks Investment Research highlighted five stocks with potential for significant growth, suggesting they could yield returns of 100% or more in the coming months.
Market Insights: The article emphasizes the importance of key metrics in assessing a company's performance and provides insights into investment strategies based on these metrics.
See More
Orrstown Financial Services Reports Record Q4 2025 Earnings
- Record Net Income: Orrstown achieved its highest annual net income of $80.9 million in its 106-year history, translating to $4.18 per diluted share, showcasing the company's success in risk management and revenue diversification, thereby enhancing confidence in future growth.
- Expense and Income Growth: The fourth quarter net income was $21.5 million or $1.11 per diluted share, with noninterest income comprising 22% of operating revenue for the third consecutive quarter, indicating effective strategies in enhancing customer service and revenue streams.
- Loan and Capital Management: The loan growth target for 2026 is set at over 5%, with a 4% increase in loans for the fourth quarter, and strong capital ratios reflecting the company's robust financial health amidst market fluctuations, which boosts investor confidence.
- Future Outlook: The CFO projected a net interest margin of 3.90% to 4% for 2026, despite anticipated compression, while expressing optimism about exceeding analyst consensus, indicating resilience and strategic flexibility in an uncertain market environment.
See More
Orrstown Financial Announces 11.1% Dividend Increase
- Dividend Increase: Orrstown Financial has declared a quarterly dividend increase from $0.27 to $0.30 per share, representing an 11.1% rise, which reflects the company's ongoing profitability improvement and boosts investor confidence.
- Stable Yield: The forward yield of 3.33% not only attracts income-seeking investors but also enhances the stock's market appeal, potentially driving up its price.
- Payment Schedule: The new dividend will be payable on February 17, with a record date of February 10 and an ex-dividend date also on February 10, ensuring shareholders receive timely returns and reinforcing their willingness to hold shares.
- Historical Performance: The dividend growth of Orrstown Financial underscores its robust financial health and sustained profitability, further solidifying its competitive position in the financial services sector.
See More
Orrstown Financial Q4 Earnings Exceed Expectations
- Earnings Beat: Orrstown Financial reported a Q4 non-GAAP EPS of $1.11, exceeding expectations by $0.05, indicating a sustained improvement in profitability that may attract more investor interest.
- Significant Revenue Growth: The company achieved revenues of $65.4 million, a 5.8% year-over-year increase, surpassing expectations by $11.36 million, reflecting its competitive strength and ability to expand its business.
- Positive Market Reaction: The earnings beat is likely to positively impact Orrstown Financial's stock price, enhancing investor confidence and potentially increasing shareholder returns.
- Optimistic Future Outlook: With ongoing operational optimizations and market share expansion, the company is expected to maintain growth momentum in the coming quarters, further solidifying its position in the financial services industry.
See More
Orrstown Financial Services Reports Record Earnings for 2025
- Net Income Surge: Orrstown Financial Services reported a net income of $80.9 million for 2025, a significant increase from $22.1 million in 2024, highlighting the company's strong performance and enhanced profitability in the market.
- Earnings Per Share Growth: The diluted earnings per share reached $4.18 in 2025, up from $1.48 in 2024, reflecting a sustained improvement in profitability that boosts investor confidence.
- Loan and Asset Expansion: As of December 31, 2025, total loans increased by $41 million, representing an annualized growth rate of approximately 4%, indicating the company's robust expansion in the credit market and further solidifying its market position.
- Increased Shareholder Returns: The Board declared a cash dividend of $0.30 per share, a $0.03 increase from the previous quarter, demonstrating the company's commitment to shareholders and its ongoing cash flow generation capabilities.
See More
Orrstown Bank Opens New Office for Financial Advisors in Chambersburg, PA, Enhancing Client Services
- New Office Opening: Orrstown Financial Advisors will open a new office at 990 Lincoln Way East, Chambersburg, PA, covering 4,000 sq. ft., aimed at enhancing client services and community engagement.
- Team Expansion: The new location will serve as the home base for a ten-person team currently at the Orrstown Bank branch, providing a more accessible environment for personalized financial guidance.
- Grand Opening Ceremony: A grand opening and ribbon-cutting ceremony will take place at 3 PM on January 15, 2026, inviting community members, clients, and local leaders to celebrate and strengthen community ties.
- Client Open House: OFA will host a Client Open House on February 12, 2026, allowing clients to tour the new office, connect with their Financial Advisors, and enjoy light refreshments, further enhancing client relationships.
See More
Orrstown (ORRF) Q3 Earnings: Analyzing Key Metrics Against Projections
Orrstown Financial Services Performance: Orrstown Financial Services (ORRF) reported $64.37 million in revenue for Q3 2025, a 0.5% increase year-over-year, with an EPS of $1.13, slightly up from $1.11 a year ago.
Earnings Surprises: The revenue exceeded the Zacks Consensus Estimate by 2.01%, while the EPS surpassed expectations by 6.6%, indicating stronger-than-expected financial performance.
Investment Opportunities: Zacks Investment Research highlighted five stocks with potential for significant growth, suggesting they could yield returns of 100% or more in the coming months.
Market Insights: The article emphasizes the importance of key metrics in assessing a company's performance and provides insights into investment strategies based on these metrics.
See More
