Is Orrstown Financial Services, Inc. ORRF stock halal to invest in?

No, as of August 2026, Orrstown Financial Services, Inc. stock (ORRF) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. Orrstown Financial Services, Inc. currently does not meet the threshold for the non-permissible income and interest-bearing debt screens. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of Orrstown Financial Services, Inc. and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is Orrstown Financial Services, Inc. ORRF reviewed for Shariah compliance?

Tabadulat reviews Orrstown Financial Services, Inc. ORRF for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for Orrstown Financial Services, Inc. reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does Orrstown Financial Services, Inc. ORRF pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, Orrstown Financial Services, Inc. stock (ORRF) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. Orrstown Financial Services, Inc.'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does Orrstown Financial Services, Inc. ORRF pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of August 2026, Orrstown Financial Services, Inc. stock (ORRF) passes the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. This limit ensures shareholders are not materially profiting from riba (interest). Orrstown Financial Services, Inc.'s interest-bearing investments are currently within the 30% threshold. Because the ratio is measured against market capitalisation, it can move with the share price as well as the balance sheet, which is why Tabadulat rescreens the stock every month.

Does Orrstown Financial Services, Inc. ORRF pass the AAOIFI Interest Bearing Debt criteria?

No, as of August 2026, Orrstown Financial Services, Inc. stock (ORRF) does not pass the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. Orrstown Financial Services, Inc.'s interest-bearing debt currently exceeds this 30% limit, meaning the company relies on riba-based financing beyond the level AAOIFI permits for a halal investment. A company can return to compliance by reducing debt or through changes in market capitalisation, and the screen is reassessed monthly.

What is the dividend purification factor for Orrstown Financial Services, Inc. ORRF stock?

Orrstown Financial Services, Inc. (ORRF) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If Orrstown Financial Services, Inc. returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does Orrstown Financial Services, Inc. ORRF pass the AAOIFI Preference Share screen?

Yes, as of August 2026, Orrstown Financial Services, Inc. stock (ORRF) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. Orrstown Financial Services, Inc. has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

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Orrstown Financial Services, Inc.

NASDAQ

Shariah-Compliant

Not Shariah

ORRF

About

Orrstown Financial Services, Inc.

ORRF

Orrstown Financial Services Inc. operates as a financial holding company and is the parent entity of Orrstown Bank. The principal function of Orrstown Financial Services is providing a comprehensive range of commercial banking and financial services to individuals and small to medium-sized businesses. Its offerings include typical banking products such as commercial loans, real estate loans, and consumer loans, as well as deposit products like savings accounts and certificates of deposit. Additionally, the company extends ancillary financial services including wealth management, investment advisory, and mortgage services. Headquartered in Shippensburg, Pennsylvania, Orrstown Financial Services serves communities within central Pennsylvania and Maryland, showing its significance in regional economic development and support. Furthermore, it thrives on maintaining strong relationships within its local market, reflecting its commitment to personalized customer interactions and community growth initiatives. The company plays a crucial role in providing essential financial services to its communities, underpinning its importance within the regional banking sector.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

607

Website:

https://www.orrstown.com

ORRF

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Orrstown Financial Services, Inc.

About

Orrstown Financial Services, Inc.

ORRF

Frequently asked questions

Is Orrstown Financial Services, Inc. ORRF stock halal to invest in?

How often is Orrstown Financial Services, Inc. ORRF reviewed for Shariah compliance?

Does Orrstown Financial Services, Inc. ORRF pass the AAOIFI Non Permissible Income criteria?

Does Orrstown Financial Services, Inc. ORRF pass the AAOIFI Interest Bearing Investments criteria?

Does Orrstown Financial Services, Inc. ORRF pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for Orrstown Financial Services, Inc. ORRF stock?

Does Orrstown Financial Services, Inc. ORRF pass the AAOIFI Preference Share screen?

Can I buy Orrstown Financial Services (ORRF) stock on Tabadulat?

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