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Orrstown Financial Services (ORRF) Financials

Orrstown Financial Services logo
$35.60 -0.53 (-1.47%)
Closing price 05/13/2026 04:00 PM Eastern
Extended Trading
$35.59 -0.01 (-0.03%)
As of 05/13/2026 05:37 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Orrstown Financial Services

Annual Income Statements for Orrstown Financial Services

This table shows Orrstown Financial Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 7.87 6.63 8.09 13 17 26 33 22 36 22 81
Consolidated Net Income / (Loss)		 7.87 6.63 8.09 13 17 26 33 22 36 22 81
Net Income / (Loss) Continuing Operations		 7.87 6.63 8.09 13 17 26 33 22 36 22 81
Total Pre-Tax Income 		9.51 7.89 12 14 20 33 41 27 45 28 103
Total Revenue		 54 56 64 73 98 112 116 127 131 193 252
Net Interest Income / (Expense)		 34 37 44 52 69 84 87 100 105 155 200
Total Interest Income		 39 42 51 66 93 100 94 109 150 249 304
Loans and Leases Interest Income		 31 34 41 51 75 87 84 94 127 210 257
Investment Securities Interest Income		 7.84 8.05 11 15 18 12 9.47 15 23 39 47
Total Interest Expense		 4.30 5.42 7.64 14 24 16 6.72 9.02 45 94 104
Deposits Interest Expense		 3.61 4.81 6.13 10 19 12 4.20 6.34 38 84 92
Short-Term Borrowings Interest Expense		 0.30 0.19 0.78 0.08 0.62 0.09 0.03 0.04 0.11 0.22 0.40
Long-Term Debt Interest Expense		 0.40 0.42 0.73 3.20 3.77 3.93 2.49 2.64 7.37 9.23 11
Total Non-Interest Income		 19 20 20 21 29 28 29 27 26 37 52
Trust Fees by Commissions		 6.62 1.93 1.90 2.04 2.43 2.82 3.57 3.62 3.65 4.85 6.72
Service Charges on Deposit Accounts		 - 5.45 - 3.23 3.40 2.87 3.05 3.83 3.95 5.33 8.10
Other Service Charges		 9.61 4.75 9.35 3.89 5.38 7.23 7.60 5.23 3.46 4.55 9.10
Net Realized & Unrealized Capital Gains on Investments		 1.92 1.42 1.19 1.01 4.75 2.79 0.64 -0.16 -0.05 0.25 0.17
Investment Banking Income		 - 5.09 6.40 6.58 7.26 6.91 7.90 7.63 7.69 12 15
Other Non-Interest Income		 1.03 1.10 1.11 4.28 5.33 5.68 6.40 6.80 6.95 11 13
Provision for Credit Losses		 -0.60 0.25 1.00 0.80 0.90 5.33 1.09 4.19 1.68 17 0.03
Total Non-Interest Expense		 45 48 50 58 77 74 74 96 84 148 149
Salaries and Employee Benefits		 24 26 30 33 39 43 44 48 51 77 85
Net Occupancy & Equipment Expense		 8.11 8.95 8.51 9.84 13 13 14 14 15 21 21
Marketing Expense		 1.56 1.72 1.60 1.59 1.97 1.66 2.18 2.26 2.16 2.59 2.29
Property & Liability Insurance Claims		 2.30 1.63 1.41 0.68 0.37 0.69 0.82 14 1.96 3.16 2.83
Other Operating Expenses		 8.58 9.38 8.56 9.82 12 12 12 13 12 17 25
Amortization Expense		 - 0.10 0.10 0.29 1.57 1.57 1.28 1.11 0.95 5.74 9.77
Restructuring Charge		 - 0.00 0.00 3.20 8.96 1.31 0.00 3.16 1.06 23 2.71
Income Tax Expense		 1.63 1.27 4.34 1.64 2.71 6.05 8.01 4.58 9.37 5.76 22
Basic Earnings per Share		 $0.97 $0.82 $1.00 $1.53 $1.63 $2.42 $3.00 $2.09 $3.45 $1.49 $4.21
Weighted Average Basic Shares Outstanding		 8.11M 8.06M 8.07M 9.48M 11.26M 11.25M 11.14M 10.73M 10.71M 19.51M 19.62M
Diluted Earnings per Share		 $0.97 $0.81 $0.98 $1.50 $1.61 $2.40 $2.96 $2.06 $3.42 $1.48 $4.18
Weighted Average Diluted Shares Outstanding		 8.11M 8.06M 8.07M 9.48M 11.26M 11.25M 11.14M 10.73M 10.71M 19.51M 19.62M
Weighted Average Basic & Diluted Shares Outstanding		 8.11M 8.06M 8.07M 9.48M 11.26M 11.25M 11.14M 10.73M 10.71M 19.51M 19.62M
Cash Dividends to Common per Share		 $0.22 $0.35 $0.42 $0.51 $0.60 $0.68 $0.74 $0.76 $0.80 $0.86 $1.06

Quarterly Income Statements for Orrstown Financial Services

This table shows Orrstown Financial Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 9.03 7.64 8.53 7.74 -7.90 14 18 19 22 21 22
Consolidated Net Income / (Loss)		 9.03 7.64 8.53 7.74 -7.90 14 18 19 22 21 22
Net Income / (Loss) Continuing Operations		 9.03 7.64 8.53 7.74 -7.90 14 18 19 22 21 22
Total Pre-Tax Income 		12 9.70 11 9.82 -9.90 17 23 25 28 27 28
Total Revenue		 32 33 34 33 64 62 60 62 64 65 65
Net Interest Income / (Expense)		 26 26 27 26 52 51 49 50 51 51 49
Total Interest Income		 39 40 43 43 83 80 76 75 77 76 74
Loans and Leases Interest Income		 33 34 36 36 71 68 63 63 66 64 63
Investment Securities Interest Income		 5.95 6.12 6.42 7.74 12 12 12 12 11 12 11
Total Interest Expense		 12 14 16 17 31 29 27 25 26 26 25
Deposits Interest Expense		 11 12 14 15 29 27 24 23 23 23 22
Short-Term Borrowings Interest Expense		 0.03 0.03 0.03 0.03 0.10 0.07 0.08 0.11 0.11 0.11 0.10
Long-Term Debt Interest Expense		 1.86 1.86 2.23 1.89 2.59 2.53 2.41 2.36 3.39 3.04 3.28
Total Non-Interest Income		 5.93 6.49 6.63 7.17 12 11 12 13 13 14 16
Trust Fees by Commissions		 0.97 0.92 1.08 1.18 1.28 1.32 1.44 1.70 1.64 1.95 1.81
Service Charges on Deposit Accounts		 1.02 0.98 1.01 1.02 1.80 1.50 1.91 2.05 2.01 2.13 2.25
Other Service Charges		 0.64 0.88 0.53 0.88 1.72 1.43 1.27 2.36 2.43 3.04 2.17
Net Realized & Unrealized Capital Gains on Investments		 0.00 -0.04 -0.01 -0.01 0.27 -0.01 0.01 0.01 0.05 0.10 -0.00
Investment Banking Income		 1.85 2.02 2.02 2.13 3.76 3.59 3.98 3.57 3.64 3.79 3.74
Other Non-Interest Income		 1.44 1.72 2.00 1.98 3.56 3.42 3.02 3.23 3.61 3.39 5.60
Provision for Credit Losses		 0.14 0.42 0.30 0.81 14 1.76 -0.55 0.11 0.40 0.08 0.35
Total Non-Interest Expense		 20 22 22 23 60 43 38 38 36 37 37
Salaries and Employee Benefits		 13 13 14 13 27 22 20 21 21 22 21
Net Occupancy & Equipment Expense		 3.71 3.78 3.90 3.94 6.38 6.43 5.60 5.18 5.19 5.31 5.76
Marketing Expense		 0.33 0.50 0.40 0.77 0.54 0.88 0.50 1.08 0.15 0.56 0.68
Property & Liability Insurance Claims		 0.48 0.46 0.44 0.42 0.86 1.43 0.82 0.67 0.65 0.68 0.55
Other Operating Expenses		 2.82 3.51 3.08 2.96 5.63 4.98 6.59 5.88 6.45 6.47 6.34
Amortization Expense		 0.23 0.24 0.23 0.22 2.46 2.84 2.54 2.47 2.41 2.35 2.24
Restructuring Charge		 0.00 1.06 0.67 1.14 17 3.93 1.74 0.97 0.00 - 0.00
Income Tax Expense		 2.54 2.06 2.21 2.09 -1.99 3.45 4.71 5.26 5.81 6.00 5.69
Basic Earnings per Share		 $0.87 $0.75 $0.82 $0.74 ($0.41) $0.34 $0.94 $1.01 $1.14 $1.12 $1.13
Weighted Average Basic Shares Outstanding		 10.61M 10.71M 10.72M 19.37M 19.39M 19.51M 19.51M 19.49M 19.50M 19.62M 19.65M
Diluted Earnings per Share		 $0.87 $0.74 $0.81 $0.73 ($0.41) $0.35 $0.93 $1.01 $1.13 $1.11 $1.12
Weighted Average Diluted Shares Outstanding		 10.61M 10.71M 10.72M 19.37M 19.39M 19.51M 19.51M 19.49M 19.50M 19.62M 19.65M
Weighted Average Basic & Diluted Shares Outstanding		 10.61M 10.71M 10.72M 19.37M 19.39M 19.51M 19.51M 19.49M 19.50M 19.62M 19.65M
Cash Dividends to Common per Share		 $0.20 $0.20 $0.20 $0.20 $0.23 $0.23 $0.26 $0.26 $0.27 $0.27 $0.30

Annual Cash Flow Statements for Orrstown Financial Services

This table details how cash moves in and out of Orrstown Financial Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -3.07 1.93 -0.47 59 -33 69 83 -148 4.34 184 -99
Net Cash From Operating Activities		 12 16 16 22 9.09 30 41 36 44 35 75
Net Cash From Continuing Operating Activities		 12 16 16 22 9.09 30 41 36 44 35 75
Net Income / (Loss) Continuing Operations		 7.87 6.63 8.09 13 17 26 33 22 36 22 81
Consolidated Net Income / (Loss)		 7.87 6.63 8.09 13 17 26 33 22 36 22 81
Provision For Loan Losses		 -0.60 0.25 1.00 0.80 0.90 5.33 1.09 17 1.68 17 0.03
Depreciation Expense		 2.91 2.95 3.27 3.64 5.55 6.57 5.31 4.62 4.34 9.69 15
Amortization Expense		 6.03 5.30 4.03 1.41 -2.55 -4.48 -0.44 1.89 2.04 -13 -23
Non-Cash Adjustments to Reconcile Net Income		 80 110 -4.77 0.94 -12 -6.46 1.42 65 23 48 59
Changes in Operating Assets and Liabilities, net		 -84 -109 4.77 2.90 -0.21 2.75 0.56 -75 -23 -49 -57
Net Cash From Investing Activities		 -107 -129 -146 -139 18 -293 -2.01 -271 -153 61 -182
Net Cash From Continuing Investing Activities		 -107 -129 -146 -139 18 -293 -2.01 -271 -153 61 -182
Purchase of Property, Leasehold Improvements and Equipment		 -1.47 -13 -2.65 -4.79 -2.91 -1.30 -1.25 -0.90 -2.29 -1.58 -4.24
Acquisitions		 - - - - - - 0.00 0.00 -18 0.00 0.00
Purchase of Investment Securities		 -206 -217 -337 -327 -240 -375 -190 -358 -193 -221 -350
Divestitures		 - 0.00 0.00 12 29 - - 0.00 0.00 45 0.00
Sale and/or Maturity of Investments		 100 102 194 180 232 83 190 87 60 239 172
Net Cash From Financing Activities		 92 115 129 176 -60 332 45 87 114 88 8.13
Net Cash From Continuing Financing Activities		 92 115 129 176 -60 332 45 87 114 88 8.13
Net Change in Deposits		 82 120 67 179 -72 481 108 11 101 117 -95
Issuance of Debt		 22 19 80 57 20 127 3.84 0.00 40 -14 135
Issuance of Common Equity		 0.19 0.11 0.14 0.16 0.11 0.12 0.14 0.13 0.14 0.27 0.15
Repayment of Debt		 -10 -20 -85 -55 -1.04 -267 -56 98 -16 0.00 -9.42
Repurchase of Common Equity		 -0.81 -0.63 - 0.00 0.00 -1.17 -1.87 -14 -2.59 0.00 -0.26
Payment of Dividends		 -1.82 -2.90 -3.49 -4.38 -6.15 -7.61 -8.28 -8.26 -8.49 -13 -21
Other Financing Activities, Net		 - 0.00 70 -0.65 -1.77 -0.50 -1.04 -0.29 -0.38 -1.85 -1.44
Cash Interest Paid		 4.21 5.35 7.59 13 24 17 6.81 8.72 43 93 103
Cash Income Taxes Paid		 0.80 1.30 1.64 0.06 0.00 0.55 4.40 4.90 7.45 9.63 9.10

Quarterly Cash Flow Statements for Orrstown Financial Services

This table details how cash moves in and out of Orrstown Financial Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 19 -30 118 -50 104 12 38 -138 35 -34 11
Net Cash From Operating Activities		 8.35 14 13 6.43 7.50 8.36 11 24 23 16 26
Net Cash From Continuing Operating Activities		 8.35 14 13 6.43 7.50 8.36 11 24 23 16 26
Net Income / (Loss) Continuing Operations		 9.03 7.64 8.53 7.74 -7.90 14 18 19 22 21 22
Consolidated Net Income / (Loss)		 9.03 7.64 8.53 7.74 -7.90 14 18 19 22 21 22
Provision For Loan Losses		 0.14 0.42 0.30 0.81 14 2.23 -0.55 0.11 0.50 -0.03 0.35
Depreciation Expense		 1.08 1.15 1.07 1.06 3.66 3.90 4.24 3.65 3.73 3.65 3.55
Amortization Expense		 0.56 0.51 0.45 0.39 -6.36 -7.00 -7.10 -4.85 -5.65 -5.79 -5.46
Non-Cash Adjustments to Reconcile Net Income		 4.73 4.60 13 7.92 17 9.71 13 17 11 18 11
Changes in Operating Assets and Liabilities, net		 -7.18 -0.62 -11 -11 -12 -14 -16 -11 -8.71 -21 -5.30
Net Cash From Investing Activities		 -34 -26 -9.38 -64 102 32 40 -83 -41 -98 -32
Net Cash From Continuing Investing Activities		 -34 -26 -9.38 -64 102 32 40 -83 -41 -98 -32
Purchase of Property, Leasehold Improvements and Equipment		 -0.27 -0.52 -0.06 -0.04 -0.36 -1.12 -2.32 -0.79 -0.51 -0.62 -0.42
Purchase of Investment Securities		 -65 110 -28 -77 -133 -9.71 22 -102 -100 -168 -62
Sale and/or Maturity of Investments		 31 -136 19 13 190 43 20 21 60 71 31
Net Cash From Financing Activities		 44 -18 114 7.29 -5.19 -29 -13 -80 53 47 18
Net Cash From Continuing Financing Activities		 44 -18 114 7.29 -5.19 -29 -13 -80 53 47 18
Net Change in Deposits		 23 12 137 6.93 1.33 -29 11 -118 17 -4.87 99
Issuance of Debt		 - -15 -20 20 - - 0.00 43 75 19 47
Issuance of Common Equity		 0.07 - 0.08 - 0.19 - 0.07 - 0.09 - 0.08
Repayment of Debt		 23 -13 0.00 -18 -0.64 3.93 -18 - -33 38 -120
Repurchase of Common Equity		 - -0.01 - - - - 0.00 - -0.03 -0.17 -0.43
Payment of Dividends		 -2.12 -2.12 -2.12 -2.14 -4.46 -4.46 -5.04 -5.07 -5.26 -5.27 -5.86
Other Financing Activities, Net		 - - -0.64 -0.03 -1.61 0.43 -0.48 0.35 -1.46 0.15 -0.99
Cash Interest Paid		 12 13 16 17 30 30 27 26 25 25 26
Cash Income Taxes Paid		 2.80 2.70 - - 2.20 2.80 0.00 - 1.90 6.90 0.00

Annual Balance Sheets for Orrstown Financial Services

This table presents Orrstown Financial Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,293 -12 1,559 1,934 2,383 2,751 2,835 2,922 3,064 5,442 5,542
Cash and Due from Banks		 11 - 22 26 26 26 21 28 33 51 42
Interest Bearing Deposits at Other Banks		 17 - 8.07 46 30 99 187 32 33 198 108
Trading Account Securities		 400 - 421 469 491 466 472 514 514 830 953
Loans and Leases, Net of Allowance		 768 -13 997 1,234 1,630 1,960 1,959 2,126 2,270 3,883 3,973
Loans and Leases		 782 - 1,010 1,248 1,644 1,980 1,980 2,151 2,298 3,931 4,021
Allowance for Loan and Lease Losses		 14 13 13 14 15 20 21 25 29 49 48
Loans Held for Sale		 - - - 0.00 9.36 12 1,968 11 5.82 6.61 6.09
Premises and Equipment, Net		 24 - 35 38 38 35 34 29 29 50 51
Goodwill		 - 0.72 0.72 13 20 19 19 19 19 68 70
Intangible Assets		 - 0.46 0.36 3.91 7.18 5.46 4.18 3.08 2.41 48 38
Other Assets		 72 - 75 88 133 128 129 160 160 308 302
Total Liabilities & Shareholders' Equity		 1,293 0.00 1,559 1,934 2,383 2,751 2,835 2,922 3,064 5,442 5,542
Total Liabilities		 1,160 0.00 1,414 1,761 2,160 2,504 2,563 2,694 2,799 4,925 4,951
Non-Interest Bearing Deposits		 131 - 162 205 249 457 553 494 431 894 871
Interest Bearing Deposits		 901 - 1,057 1,354 1,626 1,900 1,912 1,982 2,128 3,729 3,658
Federal Funds Purchased and Securities Sold		 - - - - - - - 17 9.79 26 25
Long-Term Debt		 24 - 84 115 242 90 34 138 170 184 312
Other Long-Term Liabilities		 14 - 17 23 35 38 41 62 61 92 86
Commitments & Contingencies		 - - - - - - - - - 0.00 0.00
Total Equity & Noncontrolling Interests		 133 0.00 145 173 223 246 272 229 265 517 592
Total Preferred & Common Equity		 133 0.00 145 173 223 246 272 229 265 517 592
Preferred Stock		 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 133 0.00 145 173 223 246 272 229 265 517 592
Common Stock		 125 - 126 152 189 190 190 190 190 424 426
Retained Earnings		 7.94 - 16 24 35 54 79 92 118 127 187
Treasury Stock		 -0.83 - -0.02 -0.24 -0.47 -0.85 -1.77 -14 -14 -7.84 -5.64
Accumulated Other Comprehensive Income / (Loss)		 1.20 - 2.85 -2.97 -0.48 3.35 4.45 -40 -28 -26 -15

Quarterly Balance Sheets for Orrstown Financial Services

This table presents Orrstown Financial Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,852 3,012 3,008 3,054 3,183 3,199 5,471 5,442 5,388 5,470 5,577
Cash and Due from Banks		 34 28 32 35 24 36 65 64 54 61 49
Interest Bearing Deposits at Other Banks		 32 71 44 60 159 97 172 223 95 123 112
Trading Account Securities		 504 520 509 495 515 529 827 855 885 890 947
Loans and Leases, Net of Allowance		 -25 2,179 2,206 2,239 2,274 2,318 3,932 3,828 3,883 3,932 4,014
Loans and Leases		 - 2,208 2,234 2,267 2,303 2,348 3,981 3,876 3,931 3,980 4,061
Allowance for Loan and Lease Losses		 25 28 28 28 29 30 50 48 48 48 47
Loans Held for Sale		 10 7.34 6.45 6.45 0.54 1.56 3.56 5.26 5.21 6.03 3.37
Premises and Equipment, Net		 31 29 30 29 29 28 50 52 52 51 51
Goodwill		 19 19 19 19 19 19 71 68 70 70 70
Intangible Assets		 3.34 2.83 2.59 2.65 2.19 1.97 46 45 43 40 36
Other Assets		 2,243 2,335 160 169 161 169 305 301 300 297 296
Total Liabilities & Shareholders' Equity		 2,852 3,012 3,008 3,054 3,183 3,199 5,471 5,442 5,388 5,470 5,577
Total Liabilities		 2,635 2,771 2,763 2,811 2,912 2,920 4,954 4,909 4,839 4,898 4,974
Non-Interest Bearing Deposits		 562 489 466 435 419 425 815 932 918 902 883
Interest Bearing Deposits		 1,944 2,027 2,057 2,111 2,277 2,278 3,835 3,702 3,598 3,632 3,745
Federal Funds Purchased and Securities Sold		 - 14 16 18 12 15 22 23 30 33 19
Long-Term Debt		 34 194 169 189 147 147 184 169 205 246 244
Other Long-Term Liabilities		 74 47 55 58 56 56 98 83 87 86 83
Commitments & Contingencies		 - - - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 217 240 246 243 272 278 516 533 548 572 603
Total Preferred & Common Equity		 217 240 246 243 272 278 516 533 548 572 603
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 217 240 246 243 272 278 516 533 548 572 603
Common Stock		 189 188 188 189 188 188 423 422 423 425 424
Retained Earnings		 85 98 105 112 124 130 117 140 154 171 203
Treasury Stock		 -13 -13 -14 -14 -12 -11 -8.42 -5.06 -4.37 -5.70 -3.49
Accumulated Other Comprehensive Income / (Loss)		 -43 -33 -34 -44 -29 -28 -16 -24 -24 -18 -20

Annual Metrics And Ratios for Orrstown Financial Services

This table displays calculated financial ratios and metrics derived from Orrstown Financial Services' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 8,277,037.00 8,283,003.00 8,348,036.00 9,432,862.00 11,190,199.00 11,203,512.00 11,206,452.00 - - - 19,498,770.00
DEI Adjusted Shares Outstanding		 8,277,037.00 8,283,003.00 8,348,036.00 9,432,862.00 11,190,199.00 11,203,512.00 11,206,452.00 - - - 19,498,770.00
DEI Earnings Per Adjusted Shares Outstanding		 0.95 0.80 0.97 1.36 1.51 2.36 2.93 - - - 4.15
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.20% 5.18% 13.28% 14.78% 33.69% 14.39% 3.76% 9.00% 3.14% 47.59% 30.84%
EBITDA Growth		 -17.19% -12.51% 22.22% -1.19% 16.11% 52.88% 32.25% -27.61% 55.19% -51.43% 278.48%
EBIT Growth		 -26.92% -16.98% 57.44% 16.23% 35.92% 65.59% 25.79% -34.92% 69.20% -38.25% 269.12%
NOPAT Growth		 -72.98% -15.82% 22.06% 58.28% 32.17% 56.36% 24.25% -32.98% 61.83% -38.17% 266.69%
Net Income Growth		 -72.98% -15.82% 22.06% 58.28% 32.17% 56.36% 24.25% -32.98% 61.83% -38.17% 266.69%
EPS Growth		 -72.98% -16.49% 20.99% 53.06% 7.33% 49.07% 23.33% -30.41% 66.02% -56.73% 182.43%
Operating Cash Flow Growth		 -29.55% 28.20% 4.90% 37.54% -59.58% 231.91% 35.27% -11.32% 20.75% -20.00% 113.78%
Free Cash Flow Firm Growth		 69.76% 2,744.36% -222.92% 94.52% -478.69% 239.24% -58.47% -127.14% -96.97% -664.38% 50.10%
Invested Capital Growth		 7.82% -104.70% 2,877.69% 9.52% 34.08% -24.81% -7.55% 11.63% 18.41% 61.22% 28.92%
Revenue Q/Q Growth		 -0.53% 3.45% 2.95% 4.62% 5.65% 5.21% -0.54% 3.11% -0.91% 17.94% 1.25%
EBITDA Q/Q Growth		 -7.57% 4.28% 0.74% -9.95% 18.19% 22.09% -4.39% 11.82% -4.10% 12.04% 13.60%
EBIT Q/Q Growth		 -12.62% 8.49% 7.11% -10.78% 25.42% 26.81% -8.16% 14.59% -4.64% 36.50% 11.22%
NOPAT Q/Q Growth		 -69.17% 7.79% -19.20% 9.83% 22.27% 28.22% -9.25% 15.27% -5.27% 37.74% 10.69%
Net Income Q/Q Growth		 -69.17% 7.79% -19.20% 9.83% 22.27% 28.22% -9.25% 15.27% -5.27% 37.74% 10.69%
EPS Q/Q Growth		 -69.11% 5.19% -19.01% 6.38% 23.85% 26.98% -9.48% 19.77% -5.52% -20.86% 22.22%
Operating Cash Flow Q/Q Growth		 28.70% 9.03% 12.10% 1.56% -15.93% 37.31% -7.35% -25.15% 53.67% -13.24% 12.20%
Free Cash Flow Firm Q/Q Growth		 7.33% 1,878.77% -292.59% -148.16% -54.63% 260.14% -65.21% -120.99% 73.99% 3.04% -170.72%
Invested Capital Q/Q Growth		 15.21% -105.61% 7.44% 28.55% 33.21% -23.60% -0.39% 34.94% 0.52% 0.09% 10.42%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.47% 28.68% 30.94% 26.64% 23.14% 30.92% 39.41% 26.17% 39.38% 12.96% 37.49%
EBIT Margin		 17.77% 14.03% 19.49% 19.74% 20.07% 29.05% 35.22% 21.03% 34.49% 14.43% 40.71%
Profit (Net Income) Margin		 14.71% 11.78% 12.69% 17.50% 17.30% 23.65% 28.31% 17.41% 27.32% 11.44% 32.07%
Tax Burden Percent		 82.81% 83.96% 65.09% 88.65% 86.20% 81.40% 80.40% 82.80% 79.19% 79.30% 78.78%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.19% 16.04% 34.91% 11.35% 13.80% 18.60% 19.60% 17.20% 20.81% 20.70% 21.22%
Return on Invested Capital (ROIC)		 3.31% 5.64% 5.21% 3.79% 4.10% 6.39% 9.61% 6.33% 8.90% 3.88% 10.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.31% 5.64% 5.21% 3.79% 4.10% 6.39% 9.61% 6.33% 8.90% 3.88% 10.08%
Return on Net Nonoperating Assets (RNNOA)		 2.74% 4.32% 5.97% 4.25% 4.43% 4.89% 3.09% 2.47% 5.54% 1.76% 4.51%
Return on Equity (ROE)		 6.05% 9.96% 11.18% 8.05% 8.53% 11.27% 12.70% 8.81% 14.44% 5.64% 14.59%
Cash Return on Invested Capital (CROIC)		 -4.21% 0.00% -101.09% -5.29% -25.02% 34.71% 17.45% -4.66% -7.96% -42.99% -15.18%
Operating Return on Assets (OROA)		 0.77% 1.23% 1.61% 0.83% 0.91% 1.27% 1.46% 0.92% 1.50% 0.65% 1.87%
Return on Assets (ROA)		 0.63% 1.03% 1.05% 0.73% 0.78% 1.03% 1.18% 0.77% 1.19% 0.52% 1.47%
Return on Common Equity (ROCE)		 6.05% 9.96% 11.18% 8.05% 8.53% 11.27% 12.70% 8.81% 14.44% 5.64% 14.59%
Return on Equity Simple (ROE_SIMPLE)		 5.92% 0.00% 5.59% 7.38% 7.58% 10.75% 12.10% 9.63% 13.45% 4.27% 13.67%
Net Operating Profit after Tax (NOPAT)		 7.87 6.63 8.09 13 17 26 33 22 36 22 81
NOPAT Margin		 14.71% 11.78% 12.69% 17.50% 17.30% 23.65% 28.31% 17.41% 27.32% 11.44% 32.07%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 63.03% 65.81% 63.14% 60.06% 55.31% 51.91% 51.74% 51.07% 51.81% 51.81% 43.13%
Operating Expenses to Revenue		 83.36% 85.53% 78.94% 79.17% 79.01% 66.19% 63.85% 75.66% 64.22% 76.98% 59.28%
Earnings before Interest and Taxes (EBIT)		 9.51 7.89 12 14 20 33 41 27 45 28 103
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 18 16 20 19 23 35 46 33 51 25 95
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.86 0.00 1.17 0.81 0.96 0.67 0.95 1.00 1.14 1.36 1.16
Price to Tangible Book Value (P/TBV)		 0.86 0.00 1.18 0.90 1.09 0.74 1.04 1.11 1.24 1.76 1.42
Price to Revenue (P/Rev)		 2.14 2.61 2.66 1.93 2.19 1.46 2.22 1.81 2.31 3.66 2.72
Price to Earnings (P/E)		 14.55 22.12 20.96 11.02 12.65 6.19 7.85 10.42 8.47 31.94 8.48
Dividend Yield		 1.59% 1.98% 2.07% 4.21% 3.14% 4.65% 3.21% 3.53% 2.81% 2.37% 3.02%
Earnings Yield		 6.88% 4.52% 4.77% 9.07% 7.91% 16.16% 12.75% 9.60% 11.81% 3.13% 11.80%
Enterprise Value to Invested Capital (EV/IC)		 0.81 0.00 0.98 0.66 0.86 0.42 0.32 0.84 0.94 0.91 0.94
Enterprise Value to Revenue (EV/Rev)		 3.73 2.61 4.97 3.17 4.17 1.32 0.92 2.43 3.11 3.32 3.36
Enterprise Value to EBITDA (EV/EBITDA)		 10.83 9.08 16.08 11.89 18.02 4.27 2.33 9.27 7.91 25.61 8.97
Enterprise Value to EBIT (EV/EBIT)		 21.02 18.57 25.52 16.04 20.77 4.55 2.60 11.53 9.03 23.00 8.26
Enterprise Value to NOPAT (EV/NOPAT)		 25.38 22.12 39.20 18.09 24.10 5.59 3.24 13.93 11.40 29.00 10.48
Enterprise Value to Operating Cash Flow (EV/OCF)		 16.44 9.41 19.40 10.30 44.87 4.90 2.61 8.48 9.30 18.29 11.34
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.55 0.00 0.00 0.00 1.03 1.78 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.85 0.00 1.23 1.03 1.12 0.44 0.21 0.60 0.64 0.36 0.53
Long-Term Debt to Equity		 0.18 0.00 0.58 0.66 1.08 0.37 0.12 0.60 0.64 0.36 0.53
Financial Leverage		 0.83 0.77 1.15 1.12 1.08 0.77 0.32 0.39 0.62 0.45 0.45
Leverage Ratio		 9.54 9.63 10.69 10.98 10.88 10.93 10.78 11.50 12.12 10.88 9.91
Compound Leverage Factor		 9.54 9.63 10.69 10.98 10.88 10.93 10.78 11.50 12.12 10.88 9.91
Debt to Total Capital		 46.07% 0.00% 55.06% 50.84% 52.80% 30.76% 17.38% 37.64% 39.02% 26.26% 34.52%
Short-Term Debt to Total Capital		 36.14% 0.00% 29.05% 18.16% 1.75% 5.47% 7.09% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 9.93% 0.00% 26.02% 32.68% 51.06% 25.29% 10.30% 37.64% 39.02% 26.26% 34.52%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 53.93% 0.00% 44.94% 49.16% 47.20% 69.24% 82.62% 62.36% 60.98% 73.74% 65.48%
Debt to EBITDA		 6.16 0.00 8.99 9.20 11.04 3.16 1.25 4.17 3.30 7.37 3.30
Net Debt to EBITDA		 4.62 0.00 7.48 4.65 8.56 -0.46 -3.31 2.33 2.03 -2.60 1.71
Long-Term Debt to EBITDA		 1.33 0.00 4.25 5.92 10.67 2.60 0.74 4.17 3.30 7.37 3.30
Debt to NOPAT		 14.43 0.00 21.93 14.01 14.76 4.13 1.74 6.27 4.76 8.35 3.86
Net Debt to NOPAT		 10.83 0.00 18.24 7.07 11.45 -0.60 -4.61 3.51 2.93 -2.94 2.00
Long-Term Debt to NOPAT		 3.11 0.00 10.36 9.01 14.27 3.40 1.03 6.27 4.76 8.35 3.86
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -10 265 -326 -18 -103 144 60 -16 -32 -244 -122
Operating Cash Flow to CapEx		 826.51% 116.59% 616.28% 469.36% 312.26% 2,315.50% 3,254.47% 4,043.80% 1,905.84% 2,209.80% 1,764.68%
Free Cash Flow to Firm to Interest Expense		 -2.33 48.91 -42.60 -1.32 -4.36 8.98 8.89 -1.80 -0.71 -2.60 -1.17
Operating Cash Flow to Interest Expense		 2.83 2.88 2.14 1.66 0.38 1.88 6.07 4.01 0.97 0.37 0.72
Operating Cash Flow Less CapEx to Interest Expense		 2.48 0.41 1.79 1.31 0.26 1.80 5.89 3.91 0.92 0.36 0.68
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.09 0.08 0.04 0.05 0.04 0.04 0.04 0.04 0.05 0.05
Fixed Asset Turnover		 2.19 0.00 0.00 2.00 2.58 3.08 3.36 3.99 4.45 4.84 4.98
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 247 -12 322 353 473 356 329 367 435 701 903
Invested Capital Turnover		 0.23 0.48 0.41 0.22 0.24 0.27 0.34 0.36 0.33 0.34 0.31
Increase / (Decrease) in Invested Capital		 18 -258 334 31 120 -117 -27 38 68 266 203
Enterprise Value (EV)		 200 147 317 232 408 148 106 307 406 639 847
Market Capitalization		 115 147 170 141 214 164 258 230 302 704 685
Book Value per Share		 $16.08 $0.00 $34.68 $18.39 $19.95 $21.98 $24.24 $21.44 $24.97 $26.65 $30.34
Tangible Book Value per Share		 $16.08 ($0.14) $34.42 $16.64 $17.53 $19.82 $22.20 $19.40 $22.98 $20.68 $24.81
Total Capital		 247 0.00 644 353 473 356 329 367 435 701 903
Total Debt		 114 0.00 355 179 250 109 57 138 170 184 312
Total Long-Term Debt		 24 0.00 168 115 242 90 34 138 170 184 312
Net Debt		 85 0.00 295 91 194 -16 -152 77 104 -65 162
Capital Expenditures (CapEx)		 1.47 13 2.65 4.79 2.91 1.30 1.25 0.90 2.29 1.58 4.24
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 114 -12 177 179 250 109 57 138 170 184 312
Total Depreciation and Amortization (D&A)		 8.94 8.25 7.30 5.05 3.00 2.09 4.87 6.51 6.38 -2.83 -8.12
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.97 $0.82 $1.00 $1.53 $1.63 $2.42 $3.00 $2.09 $3.45 $1.49 $4.21
Adjusted Weighted Average Basic Shares Outstanding		 8.30M 8.34M 8.41M 9.48M 11.26M 11.25M 11.14M 10.73M 10.71M 19.51M 19.62M
Adjusted Diluted Earnings per Share		 $0.97 $0.81 $0.98 $1.50 $1.61 $2.40 $2.96 $2.06 $3.42 $1.48 $4.18
Adjusted Weighted Average Diluted Shares Outstanding		 8.30M 8.34M 8.41M 9.48M 11.26M 11.25M 11.14M 10.73M 10.71M 19.51M 19.62M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.30M 8.34M 8.41M 9.48M 11.26M 11.25M 11.14M 10.73M 10.71M 19.51M 19.62M
Normalized Net Operating Profit after Tax (NOPAT)		 7.87 6.63 8.09 16 25 28 33 25 37 40 83
Normalized NOPAT Margin		 14.71% 11.78% 12.69% 21.37% 25.20% 24.60% 28.31% 19.47% 27.96% 20.90% 32.92%
Pre Tax Income Margin		 17.77% 14.03% 19.49% 19.74% 20.07% 29.05% 35.22% 21.03% 34.49% 14.43% 40.71%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.21 1.46 1.63 1.07 0.83 2.03 6.08 2.95 1.00 0.30 0.99
NOPAT to Interest Expense		 1.83 1.22 1.06 0.95 0.71 1.65 4.89 2.44 0.79 0.24 0.78
EBIT Less CapEx to Interest Expense		 1.87 -1.01 1.28 0.71 0.71 1.95 5.90 2.85 0.95 0.28 0.95
NOPAT Less CapEx to Interest Expense		 1.49 -1.24 0.71 0.59 0.59 1.57 4.71 2.34 0.74 0.22 0.74
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 23.14% 43.72% 43.12% 34.17% 36.34% 28.76% 25.18% 37.50% 23.79% 59.76% 25.53%
Augmented Payout Ratio		 33.41% 53.24% 43.12% 34.17% 36.34% 33.18% 30.87% 101.81% 31.04% 59.76% 25.86%

Quarterly Metrics And Ratios for Orrstown Financial Services

This table displays calculated financial ratios and metrics derived from Orrstown Financial Services' official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 19,505,444.00 19,508,545.00 19,491,096.00 19,498,770.00 19,619,798.00
DEI Adjusted Shares Outstanding		 - - - - - - 19,505,444.00 19,508,545.00 19,491,096.00 19,498,770.00 19,619,798.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.93 1.00 1.12 1.10 1.11
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.00% -3.56% 3.52% -0.77% 99.36% 90.16% 80.19% 87.61% 0.45% 5.02% 6.95%
EBITDA Growth		 395.90% -16.21% -4.86% -19.31% -195.49% 23.65% 62.29% 108.47% 304.37% 80.63% 28.56%
EBIT Growth		 280.67% -18.42% -5.66% -20.68% -185.61% 76.67% 111.87% 151.47% 379.65% 60.45% 20.82%
NOPAT Growth		 301.50% -20.60% -6.83% -21.35% -176.75% 79.04% 111.59% 151.33% 415.61% 57.05% 20.82%
Net Income Growth		 286.95% -20.60% -6.83% -21.35% -187.56% 79.04% 111.59% 151.33% 376.67% 57.05% 20.82%
EPS Growth		 285.11% -21.28% -6.90% -22.34% -147.13% -52.70% 14.81% 38.36% 375.61% 217.14% 20.43%
Operating Cash Flow Growth		 -33.03% 974.58% 134.02% -60.39% -10.22% -38.96% -13.55% 280.49% 204.36% 97.24% 133.15%
Free Cash Flow Firm Growth		 -382.31% -109.46% 121.63% 96.94% -81.43% -321.04% -1,193.22% -9,149.81% 64.98% 28.23% 53.56%
Invested Capital Growth		 58.96% 18.41% -3.62% 2.67% 61.91% 61.22% 67.66% 77.16% 16.86% 28.92% 20.65%
Revenue Q/Q Growth		 -4.14% 1.14% 3.08% -0.70% 92.59% -3.53% -2.32% 3.38% 3.11% 0.86% -0.53%
EBITDA Q/Q Growth		 -5.55% -13.99% 8.06% -8.09% -211.78% 211.37% 41.84% 18.06% 9.58% -1.56% 0.95%
EBIT Q/Q Growth		 -6.65% -16.11% 10.77% -8.56% -200.74% 273.13% 32.85% 8.53% 12.03% -0.66% 0.03%
NOPAT Q/Q Growth		 -8.25% -15.32% 11.62% -9.30% -189.53% 297.52% 31.91% 7.74% 12.43% -1.71% 1.48%
Net Income Q/Q Growth		 -8.25% -15.32% 11.62% -9.30% -202.13% 273.15% 31.91% 7.74% 12.43% -1.71% 1.48%
EPS Q/Q Growth		 -7.45% -14.94% 9.46% -9.88% -156.16% 185.37% 165.71% 8.60% 11.88% -1.77% 0.90%
Operating Cash Flow Q/Q Growth		 -48.60% 64.04% -7.49% -49.23% 16.52% 11.53% 31.02% 123.47% -6.79% -27.73% 54.87%
Free Cash Flow Firm Q/Q Growth		 -38.73% 60.40% 140.48% -113.76% -8,124.50% 8.09% -5.11% -16.42% 68.86% -88.36% 31.98%
Invested Capital Q/Q Growth		 4.34% 0.52% -3.65% 1.60% 64.53% 0.09% 0.20% 7.36% 8.53% 10.42% -6.22%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.06% 34.92% 36.60% 33.88% -19.67% 22.70% 32.97% 37.65% 40.01% 39.05% 39.63%
EBIT Margin		 35.97% 29.83% 32.06% 29.52% -15.44% 27.72% 37.70% 39.57% 43.00% 42.35% 42.58%
Profit (Net Income) Margin		 28.08% 23.51% 25.46% 23.25% -12.33% 22.14% 29.89% 31.15% 33.97% 33.10% 33.77%
Tax Burden Percent		 78.07% 78.80% 79.40% 78.77% 79.85% 79.86% 79.30% 78.72% 79.00% 78.17% 79.30%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.93% 21.20% 20.60% 21.23% 0.00% 20.14% 20.70% 21.28% 21.00% 21.83% 20.70%
Return on Invested Capital (ROIC)		 10.50% 7.66% 7.86% 7.28% -3.12% 7.51% 11.71% 13.14% 11.14% 10.41% 11.17%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.50% 7.66% 7.86% 7.28% -3.64% 7.51% 11.71% 13.14% 11.14% 10.41% 11.17%
Return on Net Nonoperating Assets (RNNOA)		 5.57% 4.77% 5.24% 4.39% -1.79% 3.40% 4.60% 5.60% 4.40% 4.66% 4.06%
Return on Equity (ROE)		 16.07% 12.43% 13.10% 11.67% -4.91% 10.91% 16.31% 18.74% 15.55% 15.06% 15.24%
Cash Return on Invested Capital (CROIC)		 -34.85% -7.96% 11.90% 5.21% -44.45% -42.99% -44.92% -48.34% -5.93% -15.18% -7.80%
Operating Return on Assets (OROA)		 1.60% 1.30% 1.36% 1.25% -0.59% 1.26% 1.92% 2.29% 1.96% 1.94% 1.98%
Return on Assets (ROA)		 1.25% 1.03% 1.08% 0.98% -0.47% 1.00% 1.52% 1.80% 1.55% 1.52% 1.57%
Return on Common Equity (ROCE)		 16.07% 12.43% 13.10% 11.67% -4.91% 10.91% 16.31% 18.74% 15.55% 15.06% 15.24%
Return on Equity Simple (ROE_SIMPLE)		 15.49% 0.00% 12.90% 11.83% 3.10% 0.00% 5.92% 7.89% 12.77% 0.00% 14.03%
Net Operating Profit after Tax (NOPAT)		 9.03 7.64 8.53 7.74 -6.93 14 18 19 22 21 22
NOPAT Margin		 28.08% 23.51% 25.46% 23.25% -10.81% 22.14% 29.89% 31.15% 33.97% 33.10% 33.77%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.52% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 52.65% 52.69% 53.87% 53.83% 53.22% 48.13% 43.86% 44.24% 41.61% 42.90% 42.73%
Operating Expenses to Revenue		 63.61% 68.88% 67.05% 68.04% 94.10% 69.44% 63.22% 60.25% 56.39% 57.54% 56.87%
Earnings before Interest and Taxes (EBIT)		 12 9.70 11 9.82 -9.90 17 23 25 28 27 28
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 11 12 11 -13 14 20 24 26 25 26
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.88 1.14 1.04 1.05 1.34 1.36 1.09 1.12 1.15 1.16 1.16
Price to Tangible Book Value (P/TBV)		 0.97 1.24 1.13 1.13 1.73 1.76 1.38 1.41 1.42 1.42 1.41
Price to Revenue (P/Rev)		 1.63 2.31 2.14 2.22 4.24 3.66 2.64 2.48 2.64 2.72 2.74
Price to Earnings (P/E)		 5.71 8.47 8.06 8.84 43.24 31.94 18.38 14.23 8.99 8.48 8.30
Dividend Yield		 3.90% 2.81% 3.03% 2.95% 2.32% 2.37% 3.09% 3.10% 3.03% 3.02% 3.07%
Earnings Yield		 17.53% 11.81% 12.41% 11.31% 2.31% 3.13% 5.44% 7.03% 11.12% 11.80% 12.05%
Enterprise Value to Invested Capital (EV/IC)		 0.72 0.94 0.59 0.72 0.91 0.91 0.66 0.89 0.88 0.94 0.93
Enterprise Value to Revenue (EV/Rev)		 2.35 3.11 1.87 2.33 3.91 3.32 2.11 2.70 2.89 3.36 3.06
Enterprise Value to EBITDA (EV/EBITDA)		 5.77 7.91 4.86 6.36 28.69 25.61 14.18 14.98 8.64 8.97 7.83
Enterprise Value to EBIT (EV/EBIT)		 6.55 9.03 5.56 7.31 31.39 23.00 11.61 12.28 7.79 8.26 7.31
Enterprise Value to NOPAT (EV/NOPAT)		 8.21 11.40 7.04 9.28 39.94 29.00 14.65 15.52 9.84 10.48 9.28
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.87 9.30 4.84 7.43 15.87 18.29 13.91 13.10 10.80 11.34 8.79
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 4.86 13.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.78 0.64 0.54 0.53 0.36 0.36 0.32 0.37 0.43 0.53 0.40
Long-Term Debt to Equity		 0.78 0.64 0.54 0.53 0.36 0.36 0.32 0.37 0.43 0.53 0.40
Financial Leverage		 0.53 0.62 0.67 0.60 0.49 0.45 0.39 0.43 0.40 0.45 0.36
Leverage Ratio		 12.83 12.12 12.10 11.85 11.23 10.88 10.72 10.38 10.05 9.91 9.70
Compound Leverage Factor		 12.83 12.12 12.10 11.85 11.23 10.88 10.72 10.38 10.05 9.91 9.70
Debt to Total Capital		 43.78% 39.02% 35.13% 34.58% 26.27% 26.26% 24.10% 27.24% 30.09% 34.52% 28.80%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 43.78% 39.02% 35.13% 34.58% 26.27% 26.26% 24.10% 27.24% 30.09% 34.52% 28.80%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 56.22% 60.98% 64.87% 65.42% 73.73% 73.74% 75.90% 72.76% 69.91% 65.48% 71.20%
Debt to EBITDA		 3.53 3.30 2.90 3.06 8.25 7.37 5.19 4.58 2.96 3.30 2.43
Net Debt to EBITDA		 1.76 2.03 -0.70 0.30 -2.37 -2.60 -3.62 1.25 0.75 1.71 0.83
Long-Term Debt to EBITDA		 3.53 3.30 2.90 3.06 8.25 7.37 5.19 4.58 2.96 3.30 2.43
Debt to NOPAT		 5.03 4.76 4.20 4.47 11.49 8.35 5.36 4.74 3.37 3.86 2.88
Net Debt to NOPAT		 2.51 2.93 -1.02 0.44 -3.30 -2.94 -3.74 1.29 0.85 2.00 0.98
Long-Term Debt to NOPAT		 5.03 4.76 4.20 4.47 11.49 8.35 5.36 4.74 3.37 3.86 2.88
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -151 -60 24 -3.34 -275 -252 -265 -309 -96 -181 -123
Operating Cash Flow to CapEx		 3,138.72% 2,623.75% 20,111.11% 17,386.49% 2,065.01% 747.10% 473.13% 3,098.35% 4,508.89% 2,642.47% 6,051.42%
Free Cash Flow to Firm to Interest Expense		 -12.14 -4.28 1.54 -0.19 -8.78 -8.57 -9.91 -12.20 -3.68 -7.04 -4.86
Operating Cash Flow to Interest Expense		 0.67 0.98 0.80 0.37 0.24 0.28 0.41 0.97 0.87 0.64 1.01
Operating Cash Flow Less CapEx to Interest Expense		 0.65 0.94 0.80 0.37 0.23 0.25 0.32 0.94 0.85 0.62 0.99
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.06 0.05 0.05 0.05
Fixed Asset Turnover		 4.33 4.45 4.54 4.52 4.12 4.84 5.44 6.20 4.92 4.98 5.01
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 432 435 419 426 700 701 702 754 818 903 847
Invested Capital Turnover		 0.37 0.33 0.31 0.31 0.29 0.34 0.39 0.42 0.33 0.31 0.33
Increase / (Decrease) in Invested Capital		 160 68 -16 11 268 266 283 328 118 203 145
Enterprise Value (EV)		 309 406 247 306 639 639 462 672 719 847 785
Market Capitalization		 215 302 282 291 692 704 580 616 657 685 702
Book Value per Share		 $22.91 $24.97 $25.38 $25.97 $26.65 $26.65 $27.49 $28.11 $29.34 $30.34 $30.74
Tangible Book Value per Share		 $20.89 $22.98 $23.43 $24.04 $20.62 $20.68 $21.64 $22.35 $23.70 $24.81 $25.37
Total Capital		 432 435 419 426 700 701 702 754 818 903 847
Total Debt		 189 170 147 147 184 184 169 205 246 312 244
Total Long-Term Debt		 189 170 147 147 184 184 169 205 246 312 244
Net Debt		 94 104 -36 15 -53 -65 -118 56 62 162 83
Capital Expenditures (CapEx)		 0.27 0.52 0.06 0.04 0.36 1.12 2.32 0.79 0.51 0.62 0.42
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.98 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 189 170 147 147 184 184 169 205 246 312 244
Total Depreciation and Amortization (D&A)		 1.64 1.65 1.52 1.45 -2.71 -3.10 -2.86 -1.20 -1.92 -2.14 -1.91
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.87 $0.75 $0.82 $0.74 ($0.41) $0.34 $0.94 $1.01 $1.14 $1.12 $1.13
Adjusted Weighted Average Basic Shares Outstanding		 10.61M 10.71M 10.72M 19.37M 19.39M 19.51M 19.51M 19.49M 19.50M 19.62M 19.65M
Adjusted Diluted Earnings per Share		 $0.87 $0.74 $0.81 $0.73 ($0.41) $0.35 $0.93 $1.01 $1.13 $1.11 $1.12
Adjusted Weighted Average Diluted Shares Outstanding		 10.61M 10.71M 10.72M 19.37M 19.39M 19.51M 19.51M 19.49M 19.50M 19.62M 19.65M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 10.61M 10.71M 10.72M 19.37M 19.39M 19.51M 19.51M 19.49M 19.50M 19.62M 19.65M
Normalized Net Operating Profit after Tax (NOPAT)		 9.03 8.48 9.06 8.63 5.14 17 19 20 22 21 22
Normalized NOPAT Margin		 28.08% 26.08% 27.05% 25.94% 8.01% 27.21% 32.18% 32.37% 33.97% 33.10% 33.77%
Pre Tax Income Margin		 35.97% 29.83% 32.06% 29.52% -15.44% 27.72% 37.70% 39.57% 43.00% 42.35% 42.58%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.93 0.69 0.68 0.57 -0.32 0.58 0.85 0.98 1.06 1.07 1.08
NOPAT to Interest Expense		 0.72 0.55 0.54 0.45 -0.22 0.46 0.67 0.77 0.84 0.84 0.86
EBIT Less CapEx to Interest Expense		 0.91 0.66 0.68 0.57 -0.33 0.54 0.76 0.94 1.04 1.04 1.07
NOPAT Less CapEx to Interest Expense		 0.70 0.51 0.54 0.45 -0.23 0.43 0.59 0.74 0.82 0.81 0.84
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 22.27% 23.79% 24.21% 25.83% 67.72% 59.76% 50.99% 43.96% 27.15% 25.53% 25.36%
Augmented Payout Ratio		 29.43% 31.04% 28.23% 25.85% 67.76% 59.76% 50.99% 44.11% 27.28% 25.86% 26.18%

Financials Breakdown Chart

Key Financial Trends

Here are the top positive takeaways for Orrstown Financial Services (ORRF) from the latest four-year quarterly data, focusing on the 2025 Q4 results and nearby periods. The figures come from the company’s cash flow and income statement data, with supporting balance sheet context where relevant.

  • Revenue growth persists in 2025. Q4 2025 total revenue was $64.93 million, up from $61.82 million in Q4 2024.
  • Net income from continuing operations remains solid. Q4 2025 net income from continuing operations came in at $21.49 million.
  • Net interest income stays around a strong run-rate. 2025 Q4 net interest income is about $50.53 million, indicating stable profitability from lending and funding activities.
  • Non-interest income rises in Q4 2025. Total non-interest income reached $14.39 million in Q4 2025, up from the prior quarter.
  • Credit quality improving or reserves stabilizing. Provision for credit losses declined to $0.075 million in Q4 2025 (a notable pullback from earlier quarters), suggesting improved credit conditions or reserve cleansing.
  • Loan portfolio shows continued growth. Loans and leases net of allowance rose to about $3.932 billion in Q3 2025, up from prior quarters, reflecting loan portfolio expansion.
  • Capital base remains strong and rising. Total common equity rose to about $571.94 million by Q3 2025, signaling a solid capital position.
  • Dividend policy remains stable. Cash dividends per common share were $0.27 in Q4 2025, indicating a consistent payout policy.
  • Operating cash flow shows robust generation in 2025's first half. Net cash from continuing operating activities reached about $24.47 million in Q2 2025 (a high-water mark for 2025), with substantial activity earlier and later quarters as well.
  • Debt activity supports liquidity without eroding earnings. Issuance of debt in Q4 2025 added about $19.46 million in cash, contributing to liquidity while maintaining earnings momentum.
05/14/26 04:16 AM ETAI Generated. May Contain Errors.

Orrstown Financial Services Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Orrstown Financial Services' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Orrstown Financial Services' net income appears to be on an upward trend, with a most recent value of $80.86 million in 2025, rising from $7.87 million in 2015. The previous period was $22.05 million in 2024. View Orrstown Financial Services' forecast to see where analysts expect Orrstown Financial Services to go next.

Over the last 10 years, Orrstown Financial Services' total revenue changed from $53.51 million in 2015 to $252.11 million in 2025, a change of 371.1%.

Orrstown Financial Services' total liabilities were at $4.95 billion at the end of 2025, a 0.5% increase from 2024, and a 326.9% increase since 2015.

In the past 10 years, Orrstown Financial Services' cash and equivalents has ranged from $0.00 in 2016 to $51.03 million in 2024, and is currently $42.08 million as of their latest financial filing in 2025.

Over the last 10 years, Orrstown Financial Services' book value per share changed from 16.08 in 2015 to 30.34 in 2025, a change of 88.7%.


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Financial statements for NASDAQ:ORRF last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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