ORRF
Orrstown Financial Services, Inc.
Price Chart
Latest Quote
$39.09
+0.06 (+0.15%)
Current Price
| Previous Close | $39.03 |
| Open | $38.69 |
| Day High | $39.97 |
| Day Low | $38.49 |
| Volume | 173,238 |
Stock Information
| Quarterly Dividend / Yield | $1.14 / 2.92% |
| Shares Outstanding | 19.65M |
| Quarterly Dividend Yield | 2.92% |
| Quarterly Dividend | $1.14 |
| Total Debt | $289.80M |
| Cash Equivalents | $174.26M |
| Revenue | $255.37M |
| Net Income | $84.61M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $768.03M |
| P/E Ratio | 8.95 |
| EPS (TTM) | $4.37 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $883.58M |
| Sales | $255.37M |
| Income | $84.61M |
| Book/sh | $30.76 |
| Cash/sh | $8.87 |
| Employees | 627 |
Financial Ratios
| EPS Growth TTM | 20.80% |
Returns & Margins
| ROA | 1.54% |
| ROE | 14.90% |
| Operating Margin | 47.16% |
| Profit Margin | 33.13% |
Ownership
| Insider Ownership | 4.02% |
| Institutional Ownership | 62.45% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.11 |
| P/S | 3.01 |
| P/B | 1.27 |
Analyst Data
| Recommendation | none |
| Target Price | $41.75 |
Technical Indicators
| SMA20 | $37.99 |
| SMA50 | $37.29 |
| SMA200 | $35.56 |
| RSI | 64.30 |
| ATR | 1.3150 |
| Shares Float | 18.67M |
| Short Float | 4.57% |
| Short Ratio | 9.14 |
| Volatility | 0.70 |
| Rel Volume | 1.31 |
Performance History
| Week | -2.13% |
| Month | +6.60% |
| Quarter | +13.39% |
| 6 Months | +6.34% |
| YTD | +13.77% |
| Year | +35.53% |
| 3 Years | +115.90% |
| 5 Years | +85.32% |
| 10 Years | +188.52% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $39.09 | 177,800 |
| 2026-06-18 | $39.03 | 458,300 |
| 2026-06-17 | $38.48 | 177,200 |
| 2026-06-16 | $39.17 | 144,800 |
| 2026-06-15 | $39.09 | 178,900 |
| 2026-06-12 | $39.94 | 107,500 |
| 2026-06-11 | $39.14 | 85,800 |
| 2026-06-10 | $38.97 | 130,400 |
| 2026-06-09 | $38.43 | 149,100 |
| 2026-06-08 | $37.84 | 73,100 |
| 2026-06-05 | $37.69 | 80,800 |
| 2026-06-04 | $37.47 | 104,700 |
| 2026-06-03 | $36.15 | 220,600 |
| 2026-06-02 | $37.58 | 125,200 |
| 2026-06-01 | $36.71 | 117,500 |
| 2026-05-29 | $37.13 | 70,500 |
| 2026-05-28 | $37.13 | 52,100 |
| 2026-05-27 | $37.08 | 96,500 |
| 2026-05-26 | $37.13 | 104,300 |
About Orrstown Financial Services, Inc.
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.
đ° Latest News
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Orrstown Financial Services Q1 Earnings Call Highlights
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Orrstown Financial Services Inc (ORRF) Q1 2026 Earnings Call Highlights: Strong Net Income and ...
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Moby âĸ 2026-04-22T12:30:00Z
Orrstown Financial Services (ORRF) Surpasses Q1 Earnings and Revenue Estimates
Zacks âĸ 2026-04-21T21:50:04Z
Orrstown (ORRF) Q4 2025 Earnings Transcript
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $248,911,000 | $190,408,000 | $129,306,000 | $125,295,000 |
| Operating Revenue | $248,911,000 | $190,408,000 | $129,306,000 | $125,295,000 |
| Expenses | ||||
| Interest Expense | $103,942,000 | $93,679,000 | $44,991,000 | $9,024,000 |
| Selling And Marketing Expense | $2,291,000 | $2,587,000 | $2,157,000 | $2,264,000 |
| General And Administrative Expense | $89,226,000 | $80,041,000 | $53,858,000 | $50,025,000 |
| Professional Expense And Contract Services Expense | $7,492,000 | $4,142,000 | $2,905,000 | $3,254,000 |
| Other Non Interest Expense | $17,788,000 | $15,529,000 | $12,066,000 | $11,876,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $80,855,000 | $22,050,000 | $35,663,000 | $22,037,000 |
| Net Interest Income | $199,792,000 | $155,254,000 | $104,906,000 | $99,630,000 |
| Interest Income | $303,734,000 | $248,933,000 | $149,897,000 | $108,654,000 |
| Normalized Income | $82,988,904 | $40,641,885 | $36,501,728 | $35,413,340 |
| Net Income From Continuing And Discontinued Operation | $80,855,000 | $22,050,000 | $35,663,000 | $22,037,000 |
| Net Income Common Stockholders | $80,855,000 | $22,050,000 | $35,663,000 | $22,037,000 |
| Net Income | $80,855,000 | $22,050,000 | $35,663,000 | $22,037,000 |
| Net Income Including Noncontrolling Interests | $80,855,000 | $22,050,000 | $35,663,000 | $22,037,000 |
| Net Income Continuous Operations | $80,855,000 | $22,050,000 | $35,663,000 | $22,037,000 |
| Pretax Income | $102,637,000 | $27,806,000 | $45,033,000 | $26,616,000 |
| Special Income Charges | $-2,708,000 | $-23,445,000 | $-1,059,000 | $-16,155,000 |
| Depreciation Amortization Depletion Income Statement | $9,765,000 | $5,742,000 | $953,000 | $1,105,000 |
| Depreciation And Amortization In Income Statement | $9,765,000 | $5,742,000 | $953,000 | $1,105,000 |
| Amortization Of Intangibles Income Statement | $9,765,000 | $5,742,000 | $953,000 | $1,105,000 |
| Per Share | ||||
| Diluted EPS | $4.18 | $1.48 | $3.42 | $2.06 |
| Basic EPS | $4.21 | $1.49 | $3.45 | $2.09 |
| Other | ||||
| Tax Effect Of Unusual Items | $-574,096 | $-4,853,115 | $-220,272 | $-2,778,660 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-2,708,000 | $-23,445,000 | $-1,059,000 | $-16,155,000 |
| Total Unusual Items Excluding Goodwill | $-2,708,000 | $-23,445,000 | $-1,059,000 | $-16,155,000 |
| Reconciled Depreciation | $15,271,000 | $9,690,000 | $4,340,000 | $4,620,000 |
| Diluted Average Shares | $19,355,000 | $14,914,000 | $10,435,000 | $10,706,000 |
| Basic Average Shares | $19,201,000 | $14,761,000 | $10,340,000 | $10,553,000 |
| Diluted NI Availto Com Stockholders | $80,855,000 | $22,050,000 | $35,663,000 | $22,037,000 |
| Tax Provision | $21,782,000 | $5,756,000 | $9,370,000 | $4,579,000 |
| Restructuring And Mergern Acquisition | $2,708,000 | $22,967,000 | $1,059,000 | $3,155,000 |
| Gain On Sale Of Security | $166,000 | $249,000 | $-47,000 | $-160,000 |
| Amortization | $9,765,000 | $5,742,000 | $953,000 | $1,105,000 |
| Selling General And Administration | $91,517,000 | $82,628,000 | $56,015,000 | $52,289,000 |
| Insurance And Claims | $2,833,000 | $2,677,000 | $1,960,000 | $1,083,000 |
| Salaries And Wages | $86,393,000 | $77,364,000 | $51,898,000 | $48,942,000 |
| Occupancy And Equipment | $16,978,000 | $14,570,000 | $9,593,000 | $9,812,000 |
| Other Special Charges | - | $478,000 | - | $13,000,000 |
| Write Off | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-20
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $483,794,000 | $400,811,000 | $243,918,000 | $207,094,000 |
| Total Assets | $5,542,255,000 | $5,441,589,000 | $3,064,240,000 | $2,922,408,000 |
| Goodwill And Other Intangible Assets | $107,741,000 | $115,871,000 | $21,138,000 | $21,802,000 |
| Other Intangible Assets | $37,990,000 | $47,765,000 | $2,414,000 | $3,078,000 |
| Receivables | $21,473,000 | $21,058,000 | $13,630,000 | $11,027,000 |
| Accounts Receivable | $21,473,000 | $21,058,000 | $13,630,000 | $11,027,000 |
| Cash And Cash Equivalents | $149,774,000 | $248,874,000 | $65,161,000 | $60,823,000 |
| Cash Financial | $42,083,000 | $51,026,000 | $32,586,000 | $28,477,000 |
| Cash Cash Equivalents And Federal Funds Sold | $176,491,000 | $269,106,000 | $77,153,000 | $71,465,000 |
| Debt | ||||
| Net Debt | $162,049,000 | - | $104,432,000 | $77,342,000 |
| Total Debt | $311,823,000 | $184,044,000 | $169,593,000 | $138,165,000 |
| Long Term Debt And Capital Lease Obligation | $311,823,000 | $184,044,000 | $169,593,000 | $138,165,000 |
| Long Term Debt | $311,823,000 | $184,044,000 | $169,593,000 | $138,165,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $4,950,720,000 | $4,924,907,000 | $2,799,184,000 | $2,693,512,000 |
| Equity | ||||
| Common Stock Equity | $591,535,000 | $516,682,000 | $265,056,000 | $228,896,000 |
| Total Equity Gross Minority Interest | $591,535,000 | $516,682,000 | $265,056,000 | $228,896,000 |
| Stockholders Equity | $591,535,000 | $516,682,000 | $265,056,000 | $228,896,000 |
| Gains Losses Not Affecting Retained Earnings | $-15,201,000 | $-26,316,000 | $-28,476,000 | $-39,913,000 |
| Other Equity Adjustments | $-15,201,000 | $-26,316,000 | $-28,476,000 | $-39,913,000 |
| Retained Earnings | $186,752,000 | $126,540,000 | $117,667,000 | $92,473,000 |
| Other | ||||
| Treasury Shares Number | $204,420 | $332,673 | $592,209 | $557,829 |
| Ordinary Shares Number | $19,507,208 | $19,389,967 | $10,612,390 | $10,671,413 |
| Share Issued | $19,711,628 | $19,722,640 | $11,204,599 | $11,229,242 |
| Tangible Book Value | $483,794,000 | $400,811,000 | $243,918,000 | $207,094,000 |
| Invested Capital | $903,358,000 | $700,726,000 | $434,649,000 | $367,061,000 |
| Total Capitalization | $903,358,000 | $700,726,000 | $434,649,000 | $367,061,000 |
| Treasury Stock | $5,638,000 | $7,843,000 | $13,745,000 | $13,512,000 |
| Additional Paid In Capital | $424,596,000 | $423,274,000 | $189,027,000 | $189,264,000 |
| Capital Stock | $1,026,000 | $1,027,000 | $583,000 | $584,000 |
| Common Stock | $1,026,000 | $1,027,000 | $583,000 | $584,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $952,740,000 | $829,711,000 | $513,519,000 | $513,728,000 |
| Available For Sale Securities | $951,633,000 | - | - | - |
| Goodwill | $69,751,000 | $68,106,000 | $18,724,000 | $18,724,000 |
| Net PPE | $51,029,000 | $50,217,000 | $29,393,000 | $29,328,000 |
| Accumulated Depreciation | $-35,063,000 | $-32,923,000 | $-31,078,000 | $-30,335,000 |
| Gross PPE | $86,092,000 | $83,140,000 | $60,471,000 | $59,663,000 |
| Leases | $6,806,000 | $6,685,000 | $5,557,000 | $5,359,000 |
| Construction In Progress | $401,000 | $757,000 | $593,000 | $59,000 |
| Machinery Furniture Equipment | $26,036,000 | $25,345,000 | $22,195,000 | $21,849,000 |
| Buildings And Improvements | $40,423,000 | $37,932,000 | $24,570,000 | $24,813,000 |
| Land And Improvements | $12,426,000 | $12,421,000 | $7,556,000 | $7,583,000 |
| Other Short Term Investments | $1,107,000 | $829,711,000 | $513,519,000 | $513,728,000 |
Fetched: 2026-06-20
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $70,499,000 | $33,377,000 | $41,408,000 | $35,297,000 |
| Operating Activities | ||||
| Operating Cash Flow | $74,734,000 | $34,959,000 | $43,701,000 | $36,192,000 |
| Cash Flow From Continuing Operating Activities | $74,734,000 | $34,959,000 | $43,701,000 | $36,192,000 |
| Operating Gains Losses | $-1,162,000 | $-954,000 | $389,000 | $-1,761,000 |
| Investing Activities | ||||
| Capital Expenditure | $-4,235,000 | $-1,582,000 | $-2,293,000 | $-895,000 |
| Investing Cash Flow | $-181,960,000 | $60,993,000 | $-153,248,000 | $-270,991,000 |
| Cash Flow From Continuing Investing Activities | $-181,960,000 | $60,993,000 | $-153,248,000 | $-270,991,000 |
| Net Other Investing Changes | $-3,454,000 | $-12,446,000 | $1,385,000 | $-3,248,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-2,272,000 | $-2,393,000 | $-2,963,000 | $-14,457,000 |
| Financing Cash Flow | $8,126,000 | $87,761,000 | $113,885,000 | $86,912,000 |
| Cash Flow From Continuing Financing Activities | $8,126,000 | $87,761,000 | $113,885,000 | $86,912,000 |
| Net Other Financing Charges | $571,000 | $545,000 | - | - |
| Cash Dividends Paid | $-20,643,000 | $-13,177,000 | $-8,485,000 | $-8,264,000 |
| Common Stock Dividend Paid | $-20,643,000 | $-13,177,000 | $-8,485,000 | $-8,264,000 |
| Net Common Stock Issuance | $-2,272,000 | $-2,393,000 | $-2,963,000 | $-14,457,000 |
| Dividends Received Cfi | - | - | $166,000 | $1,410,000 |
| Other | ||||
| Repayment Of Debt | $-47,500,000 | $0 | $-1,455,000 | $-441,000 |
| Issuance Of Debt | $135,000,000 | $0 | $40,000,000 | $0 |
| Interest Paid Supplemental Data | $103,369,000 | $93,315,000 | $42,888,000 | $8,721,000 |
| Income Tax Paid Supplemental Data | $9,100,000 | $9,625,000 | $7,450,000 | $4,900,000 |
| End Cash Position | $149,774,000 | $248,874,000 | $65,161,000 | $60,823,000 |
| Beginning Cash Position | $248,874,000 | $65,161,000 | $60,823,000 | $208,710,000 |
| Changes In Cash | $-99,100,000 | $183,713,000 | $4,338,000 | $-147,887,000 |
| Proceeds From Stock Option Exercised | $151,000 | $267,000 | $136,000 | $133,000 |
| Common Stock Payments | $-2,272,000 | $-2,393,000 | $-2,963,000 | $-14,457,000 |
| Net Issuance Payments Of Debt | $125,579,000 | $-14,365,000 | $23,895,000 | $98,193,000 |
| Net Short Term Debt Issuance | $38,079,000 | $-14,365,000 | $-14,650,000 | $98,634,000 |
| Net Long Term Debt Issuance | $87,500,000 | $0 | $38,545,000 | $-441,000 |
| Long Term Debt Payments | $-47,500,000 | $0 | $-1,455,000 | $-441,000 |
| Long Term Debt Issuance | $135,000,000 | $0 | $40,000,000 | $0 |
| Net Investment Purchase And Sale | $-104,728,000 | $2,980,000 | $10,559,000 | $-98,684,000 |
| Sale Of Investment | $169,089,000 | $238,723,000 | $56,995,000 | $82,845,000 |
| Purchase Of Investment | $-273,817,000 | $-235,743,000 | $-46,436,000 | $-181,529,000 |
| Net Business Purchase And Sale | $0 | $45,280,000 | $-17,641,000 | $0 |
| Sale Of Business | $0 | $45,280,000 | $0 | $0 |
| Purchase Of Business | $0 | $0 | $-17,641,000 | $0 |
| Net PPE Purchase And Sale | $-4,217,000 | $-1,582,000 | $-2,250,000 | $-895,000 |
| Sale Of PPE | $18,000 | $0 | $43,000 | $0 |
| Purchase Of PPE | $-4,235,000 | $-1,582,000 | $-2,293,000 | $-895,000 |
| Change In Working Capital | $-5,376,000 | $-6,445,000 | $-4,080,000 | $6,695,000 |
| Change In Payables And Accrued Expense | $-10,805,000 | $4,165,000 | $-5,651,000 | $10,863,000 |
| Change In Payable | $-10,805,000 | $4,165,000 | $-5,651,000 | $10,863,000 |
| Change In Account Payable | $-10,805,000 | $4,165,000 | $-5,651,000 | $10,863,000 |
| Change In Receivables | $5,429,000 | $-10,610,000 | $1,571,000 | $-4,168,000 |
| Changes In Account Receivables | $5,429,000 | $-10,610,000 | $1,571,000 | $-4,168,000 |
| Other Non Cash Items | $-2,501,000 | $-1,257,000 | $1,962,000 | $-4,340,000 |
| Stock Based Compensation | $5,013,000 | $8,719,000 | $2,356,000 | $2,154,000 |
| Deferred Tax | $5,999,000 | $-867,000 | $-651,000 | $-591,000 |
| Deferred Income Tax | $5,999,000 | $-867,000 | $-651,000 | $-591,000 |
| Depreciation Amortization Depletion | $15,271,000 | $9,690,000 | $4,340,000 | $4,620,000 |
| Depreciation And Amortization | $15,271,000 | $9,690,000 | $4,340,000 | $4,620,000 |
| Gain Loss On Investment Securities | $-166,000 | $-249,000 | $47,000 | $160,000 |
| Gain Loss On Sale Of PPE | $19,000 | $381,000 | $252,000 | $530,000 |
| Net Income From Continuing Operations | $80,855,000 | $22,050,000 | $35,663,000 | $22,037,000 |
| Asset Impairment Charge | - | $0 | $0 | $1,297,000 |
| Earnings Losses From Equity Investments | - | $-146,000 | $-43,000 | $-976,000 |
| Short Term Debt Payments | - | - | $-14,650,000 | - |
| Short Term Debt Issuance | - | - | - | $98,634,000 |
| Change In Other Current Liabilities | - | - | - | $20,492,000 |
Fetched: 2026-06-20