ORRF

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Orrstown Financial Services, Inc.

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Key Metrics

Previous Close: $41.76
52-Week Range: $31.87 – $43.81
Market Cap: $828.09M
P/E (TTM): 9.46
EPS (TTM): 4.45
Dividend Yield: 2.87%

Advanced Metrics

Price/Book: 1.33
PEG Ratio: —
Return on Equity: 14.75%
Return on Assets: 1.57%
Gross Margin: 0.00%
Operating Margin: 44.08%
Profit Margin: 33.80%
Current Ratio: —
Debt/Equity: —
Total Debt: $314.36M
Free Cash Flow: —
Revenue Growth: 0.00%
Earnings Growth: 7.90%
Enterprise Value: $980.98M

ORRF Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$125.30M	$129.31M	$190.41M	$248.91M
Selling, General & Admin	$52.29M	$56.02M	$82.63M	$91.52M
Pretax Income	$26.62M	$45.03M	$27.81M	$102.64M
Income Tax	$4.58M	$9.37M	$5.76M	$21.78M
Net Income	$22.04M	$35.66M	$22.05M	$80.86M
Diluted EPS	2.06	3.42	1.48	4.18
Diluted Shares	10.71M	10.44M	14.91M	19.36M

ORRF Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$60.82M	$65.16M	$248.87M	$149.77M
Receivables	$11.03M	$13.63M	$21.06M	$21.47M
Total Assets	$2.92B	$3.06B	$5.44B	$5.54B
Long-Term Debt	$138.16M	$169.59M	$184.04M	$311.82M
Total Debt	$138.16M	$169.59M	$184.04M	$311.82M
Total Liabilities	$2.69B	$2.80B	$4.92B	$4.95B
Retained Earnings	$92.47M	$117.67M	$126.54M	$186.75M
Shareholders' Equity	$228.90M	$265.06M	$516.68M	$591.53M
Net Debt	$77.34M	$104.43M	—	$162.05M

ORRF Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$36.19M	$43.70M	$34.96M	$74.73M
Capital Expenditure	-$895.00K	-$2.29M	-$1.58M	-$4.24M
Free Cash Flow	$35.30M	$41.41M	$33.38M	$70.50M
Depreciation & Amortisation	$4.62M	$4.34M	$9.69M	$15.27M
Stock-Based Compensation	$2.15M	$2.36M	$8.72M	$5.01M
Investing Cash Flow	-$270.99M	-$153.25M	$60.99M	-$181.96M
Financing Cash Flow	$86.91M	$113.89M	$87.76M	$8.13M
Dividends Paid	-$8.26M	-$8.48M	-$13.18M	-$20.64M
Share Repurchases	-$14.46M	-$2.96M	-$2.39M	-$2.27M
Net Change in Cash	-$147.89M	$4.34M	$183.71M	-$99.10M

ORRF Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$61.81M	$63.48M	$63.91M	$63.44M	—
Selling, General & Admin	$23.41M	$22.59M	$23.59M	$22.80M	—
Pretax Income	$24.70M	$27.68M	$27.49M	$27.50M	—
Income Tax	$5.26M	$5.81M	$6.00M	$5.69M	—
Net Income	$19.45M	$21.86M	$21.49M	$21.81M	—
Diluted EPS	1.01	1.13	1.11	1.12	1.09
Diluted Shares	19.34M	19.36M	19.38M	19.41M	19.43M

ORRF Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$287.12M	$149.38M	$184.15M	$149.77M	$161.14M
Receivables	$19.89M	$19.96M	$20.44M	$21.47M	$21.18M
Total Assets	$5.44B	$5.39B	$5.47B	$5.54B	$5.58B
Long-Term Debt	$169.20M	$205.35M	$246.19M	$311.82M	$243.97M
Total Debt	$169.20M	$205.35M	$246.19M	$311.82M	$243.97M
Total Liabilities	$4.91B	$4.84B	$4.90B	$4.95B	$4.97B
Retained Earnings	$139.55M	$153.92M	$170.53M	$186.75M	$202.70M
Shareholders' Equity	$532.94M	$548.45M	$571.94M	$591.53M	$603.18M
Net Debt	—	$55.98M	$62.04M	$162.05M	$82.83M

ORRF Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$10.95M	$24.48M	$22.82M	$16.49M	$25.54M
Capital Expenditure	-$2.31M	-$790.00K	-$506.00K	-$624.00K	-$422.00K
Free Cash Flow	$8.64M	$23.69M	$22.31M	$15.87M	$25.11M
Depreciation & Amortisation	$4.24M	$3.65M	$3.73M	$3.65M	$3.55M
Stock-Based Compensation	$1.36M	$1.29M	$1.33M	$1.04M	$1.54M
Investing Cash Flow	$39.87M	-$82.56M	-$41.03M	-$98.25M	-$32.36M
Financing Cash Flow	-$12.57M	-$79.67M	$52.98M	$47.38M	$18.18M
Dividends Paid	-$5.04M	-$5.07M	-$5.26M	-$5.26M	-$5.86M
Share Repurchases	-$467.00K	-$76.00K	-$1.55M	-$177.00K	-$1.40M
Net Change in Cash	$38.25M	-$137.74M	$34.77M	-$34.37M	$11.36M

Market Snapshot

About

Orrstown Financial Services, Inc. is a Pennsylvania-based community bank holding company offering personal and business banking, mortgages, wealth management, and insurance services through its subsidiary Orrstown Bank.