Is ORRSTOWN FINANCIAL SERVICES INC (ORRF) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 47.1% | |
| Net Margin | 32.1% | |
| Return on Equity (ROE) | 14.6% | |
| Return on Assets (ROA) | 1.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $75M |
| Free Cash Flow | $70M |
| Total Debt | $312M |
| Total Assets | $5.5B |
Price & Trading
| Last Close | $35.35 |
| 50-Day MA | $36.35 |
| 200-Day MA | $34.75 |
| Avg Volume | 244K |
| Beta | 0.8 |
|
52-Week Range
$25.57
| |
About ORRSTOWN FINANCIAL SERVICES INC (ORRF)
Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; agricultural loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. The company was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.
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Frequently Asked Questions
Is ORRSTOWN FINANCIAL SERVICES INC (ORRF) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), ORRSTOWN FINANCIAL SERVICES INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is ORRSTOWN FINANCIAL SERVICES INC's debt ratio?
ORRSTOWN FINANCIAL SERVICES INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are ORRSTOWN FINANCIAL SERVICES INC's key financial metrics?
ORRSTOWN FINANCIAL SERVICES INC has a market capitalization of $686M, trailing P/E ratio of 8.4, and revenue of $249M. Return on equity stands at 14.6%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.