Orrstown Financial Services, Inc. ORRF R2K

Financial Services · Banks - Regional · United States

https://www.orrstown.com

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.

Market & Price

Market Cap

$729.52M

Current Price

$37.13

High / Low (52W)

$38.86 / $28.55

Beta

0.70

Valuation

Stock P/E

8.50

Industry PE

12.01

Forward P/E

8.68

PEG Ratio

Book Value

$30.76

Price to Book

1.21

P/S

2.86

EV/EBITDA

Dividend Yield

3.07%

Profitability & Returns

ROCE

ROE

14.90%

ROA

1.54%

Profit Margin

33.13%

Op Margin

47.16%

EPS (Latest Qtr)

$1.12

EPS (TTM)

$4.37

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$289.80M

Total Assets

$5.54B

Current Assets

Working Capital

Ownership

Promoter Holding

4.09%

Chg in Prom Hold

FII / Inst Holding

62.47%

Chg in FII Hold

0.08%

Financial Snapshot

Enterprise Value

$845.07M

Total Revenue (TTM)

$255.37M

EBITDA

Free Cash Flow

Operating Cash Flow

$89.32M

Shares Outstanding

19.65M

Gross Margin

0.00%

Payout Ratio

25.17%

Growth (CAGR)

Revenue 5Y

25.71%

Profit 5Y

54.24%

Revenue (YoY)

5.40%

Earnings (YoY)

20.40%

PROS

Excellent profit margin of 33.1%.
Compounding revenue at 25.7% over 5 years.
Profit CAGR of 54.2% over 5 years.
Attractive dividend yield of 3.07%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	ORRF Orrstown Financial Services, Inc. R2K	37.13	8.50	$729.52M	3.07%	-	14.90%	25.71%	54.24%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2013	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	59.71M	61.81M	63.48M	63.91M	63.44M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	26.76M	25.32M	26.13M	25.73M	25.36M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	22.76M	24.70M	27.68M	27.49M	27.50M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.71M	5.26M	5.81M	6.00M	5.69M
Net Income	3.41M	2.11M	1.98M	2.87M	5.18M	2.46M	1.50M	2.46M	2.58M	678.00K	1.44M	2.00M	3.31M	2.77M	3.62M	4.01M	4.02M	3.10M	2.69M	6.90M	5.07M	6.36M	4.98M	10.21M	8.78M	7.19M	8.37M	8.87M	-4.83M	9.16M	9.84M	9.03M	8.53M	7.74M	-7.90M	18.05M	19.45M	21.86M	21.49M	21.81M
Diluted EPS	0.42	0.26	0.24	0.35	0.64	0.30	0.18	0.30	0.32	0.08	0.18	0.24	0.40	0.34	0.44	0.48	0.49	0.33	0.26	0.62	0.46	0.58	0.45	0.92	0.79	0.65	0.76	0.83	-0.47	0.87	0.94	0.87	0.81	0.73	-0.41	0.93	1.01	1.13	1.11	1.12

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	15.01M	17.95M	16.48M	-	125.30M	129.31M	190.41M	248.91M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	9.02M	44.99M	93.68M	103.94M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	26.62M	45.03M	27.81M	102.64M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	4.58M	9.37M	5.76M	21.78M
Net Income	13.37M	16.58M	-31.96M	-38.45M	10.00M	29.14M	7.87M	6.63M	8.09M	12.80M	16.92M	26.46M	-	22.04M	35.66M	22.05M	80.86M
Diluted EPS	2.07	2.17	-3.98	-4.77	1.24	3.59	0.97	0.81	0.98	1.50	1.61	2.40	-	2.06	3.42	1.48	4.18

Compounded Sales Growth

5 Years:	25.71%
1 Year:	5.40%

Compounded Profit Growth

5 Years:	54.24%
1 Year:	20.40%

Stock Price Performance

1 Year:	+27.58%
6 Months:	+4.53%
3 Months:	+4.17%
1 Month:	+2.48%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Jan 2011	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.51B	-	1.44B	1.23B	1.18B	1.19B	1.29B	1.41B	1.56B	1.93B	2.38B	2.75B	2.83B	2.92B	3.06B	5.44B	5.54B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	60.82M	65.16M	248.87M	149.77M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.03M	13.63M	21.06M	21.47M
Total Liabilities	-	-	1.35B	-	1.32B	1.14B	1.09B	1.06B	1.16B	1.28B	1.41B	1.76B	2.16B	2.50B	2.56B	2.69B	2.80B	4.92B	4.95B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	65.18M	-	53.80M	37.47M	16.08M	14.81M	24.50M	24.16M	83.81M	83.45M	63.07M	2.32M	1.90M	138.16M	169.59M	184.04M	311.82M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	138.16M	169.59M	184.04M	311.82M
Total Equity	103.35M	110.89M	160.48M	160.48M	128.20M	87.69M	91.44M	127.27M	133.06M	134.86M	144.76M	173.43M	223.25M	246.25M	271.66M	228.90M	265.06M	516.68M	591.53M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.23M	11.20M	19.72M	19.71M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	12.51M	24.81M	34.85M	18.66M	32.96M	17.26M	12.16M	15.59M	16.35M	22.49M	9.09M	30.17M	-	36.19M	43.70M	34.96M	74.73M
Investing Cash Flow	-151.54M	-322.87M	94.96M	195.73M	-89.68M	727.00K	-107.35M	-128.89M	-145.89M	-139.40M	18.46M	-292.56M	-	-270.99M	-153.25M	60.99M	-181.96M
Financing Cash Flow	134.16M	295.65M	-40.27M	-173.37M	-56.41M	-24.14M	92.12M	115.24M	129.08M	175.92M	-60.41M	331.69M	-	86.91M	113.89M	87.76M	8.13M
Capital Expenditure	-787.00K	-610.00K	-1.45M	-1.60M	-1.87M	-859.00K	-1.47M	-13.37M	-2.65M	-4.79M	-2.91M	-1.30M	-	-895.00K	-2.29M	-1.58M	-4.24M
Free Cash Flow	11.72M	24.20M	33.41M	17.05M	31.09M	16.40M	10.69M	2.22M	13.70M	17.70M	6.18M	28.87M	-	35.30M	41.41M	33.38M	70.50M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-147.89M	4.34M	183.71M	-99.10M
Share Buybacks	71.00K	221.00K	54.00K	0	0	0	809.00K	631.00K	0	0	0	1.17M	1.87M	14.17M	2.58M	0	263.00K
Dividends Paid	-	-	5.52M	0	0	0	1.82M	2.90M	3.49M	4.38M	6.15M	7.61M	8.28M	8.26M	8.48M	13.18M	20.64M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	85.3%	94.3%	160.6%	-	17.6%	27.6%	11.6%	32.5%
ROE %	12.1%	10.3%	-24.9%	-43.9%	10.9%	22.9%	5.9%	4.9%	5.6%	7.4%	7.6%	10.7%	-	9.6%	13.5%	4.3%	13.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

4.09%

Institutions

62.47%

Public Float

65.14%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	7.54%	1.48M	$54.97M
2	Dimensional Fund Advisors LP	4.58%	900.67K	$33.44M
3	Vanguard Capital Management LLC	4.16%	817.62K	$30.36M
4	State Street Corporation	4.08%	800.72K	$29.73M
5	Charles Schwab Investment Management, Inc.	3.02%	592.69K	$22.01M
6	Geode Capital Management, LLC	2.70%	531.43K	$19.73M
7	American Century Companies Inc	2.53%	497.08K	$18.46M
8	Nuveen, LLC	1.72%	337.97K	$12.55M
9	Algert Global, LLC	1.63%	320.56K	$11.90M
10	Two Sigma Investments, LP	1.53%	300.97K	$11.18M

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ORRF · Financial Services