Orrstown Financial Services, Inc.
Orrstown Financial Services, Inc. (NASDAQ: ORRF) is trading at $40.87, about ₹3,926 at today's USD/INR rate, as of 29 Sep 2026, 4:00 PM ET, down 1.47% today. Indian residents can buy Orrstown Financial Services from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$40.57
Today's high
$41.75
52 week low
$31.87
52 week high
$43.81
ORRF opened at $41.71, closed previously at $41.48, and has traded between $31.87 and $43.81 over the past 52 weeks.
About
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).
Key statistics
Avg. volume
123.21K
Market cap
$803.01M
P/E Ratio
8.77
Price-to-sales ratio
2.24
Enterprise value
$883.71M
Free cash flow yield
11.96%
Debt-to-equity ratio
0.45
Return on equity
13.67%
ROIC
23.93%
Beta
0.67
Dividend yield
2.86%
Last dividend
$1.17
Financial overview
Revenue
$353.86M
Earnings per share
$4.21
Free cash flow
$70.50M
Net profit margin
24.06%
Gross margin
70.96%
EBITDA
$116.68M
Revenue growth
24.56%
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This is not an investment recommendation
How to buy Orrstown Financial Services from India
Indian residents can buy Orrstown Financial Services shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for Orrstown Financial Services and place an order
Find Orrstown Financial Services by name or by its ticker, ORRF, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. Orrstown Financial Services trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Orrstown Financial Services position in USD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Orrstown Financial Services from India
Trading and taxes when buying Orrstown Financial Services from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Orrstown Financial Services’ current yield is 2.86%.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy Orrstown Financial Services stock?
Yes. Orrstown Financial Services (ORRF) has been listed on NASDAQ since 1999, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one Orrstown Financial Services share cost in rupees?
One Orrstown Financial Services share is $40.87 — about ₹3,926 at a USD/INR rate of 96.06 on 29 Sep 2026. Both the Orrstown Financial Services price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Orrstown Financial Services from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of Orrstown Financial Services?
Yes. One Orrstown Financial Services share is $40.87, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in Orrstown Financial Services.
How are gains on Orrstown Financial Services shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Orrstown Financial Services price. Paasa issues a capital-gains statement for your return.
Does Orrstown Financial Services pay a dividend, and how is it taxed in India?
Yes. Orrstown Financial Services pays a dividend and the current yield is 2.86%; the last declared dividend was $1.17 per share, about ₹112.39. Dividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Orrstown Financial Services from India?
NASDAQ trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on Orrstown Financial Services shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare Orrstown Financial Services shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Orrstown Financial Services holding, its cost and its closing value.
How do I sell Orrstown Financial Services and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.