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ORRF Dividend DRIP Calculator 2026
2.81% YieldFinancial ServicesOrrstown Financial Services, Inc. · NASDAQ
Price: $41.70 · Annual div: $1.17/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When ORRF pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in ORRF → $5.47M in 10 years · $9,493.18/month
About Orrstown Financial Services, Inc. (ORRF) — Dividend Analysis 2026
Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles like trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor. It also facilitates retail brokerage services through a collaborative arrangement with an external broker/dealer, and provides direct investment advisory and insurance services. Established in 1919, Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania. Its operational footprint spans multiple counties in Pennsylvania (Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (Anne Arundel, Baltimore, Howard, and Washington, alongside Baltimore City).
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 ORRF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold ORRF.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.81% | 0.01% | $281 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.39% | -0.41% | $239 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.25% | -0.55% | $225 / yr |
| 🇬🇧 UK ISA | 0% | 2.81% | 0.01% | $281 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.56% | -0.24% | $256 / yr |
| 🇨🇦 TFSA | 0% | 2.81% | 0.01% | $281 / yr |
| 🇨🇦 CA Taxable | 25% | 2.11% | -0.69% | $211 / yr |
| 🇦🇺 Super (pension) | 15% | 2.39% | -0.41% | $239 / yr |
| 🇦🇺 AU Taxable | 30% | 1.97% | -0.83% | $197 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.07% | -0.73% | $207 / yr |
| 🇫🇷 FR Taxable | 30% | 1.97% | -0.83% | $197 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 ORRF Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.17/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 ORRF Dividend Payment Schedule
ORRF pays quarterly — 4 times per year. Next ex-div: TBD.
📊 ORRF vs Financial Services Benchmarks
How ORRF compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for ORRF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ ORRF Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Sale | 2026-08-06 | 2,530 | $43.16 | $109.2K | ||
| G-Gift | 2026-07-30 | 120 | $43.49 | $5.2K | ||
| M-Exempt | 2026-07-24 | 574 | $29.92 | $17.2K | ||
| M-Exempt | 2026-07-24 | 879 | $25.99 | $22.8K | ||
| M-Exempt | 2026-07-24 | 1,549 | $21.23 | $32.9K | ||
| Sale | 2026-07-27 | 3,002 | $41.61 | $124.9K | ||
| M-Exempt | 2026-07-24 | 1,998 | $29.92 | $59.8K | ||
| M-Exempt | 2026-07-24 | 3,134 | $21.23 | $66.5K | ||
| M-Exempt | 2026-07-24 | 2,309 | $25.99 | $60.0K | ||
| F-InKind | 2026-07-01 | 296 | $40.83 | $12.1K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the ORRF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Orrstown Financial Services, Inc. (ORRF) is currently trading at $41.70, trading near its 52-week high. The current dividend yield is 2.81% based on an annual payout of $1.17 per share.
ORRF (Orrstown Financial Services, Inc.) — 2.81% Dividend Yield Analysis
Orrstown Financial Services, Inc. (ORRF) is a financial services stock currently trading at $41.70 with a dividend yield of 2.81%. The company pays an annual dividend of $1.17 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, ORRF has grown its dividend at a compound annual rate of 78.4%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest ORRF News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.