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  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : REGIONAL & COMMUNITY BANKS
  4. ORRSTOWN FINANCIAL SERVICES, INC.
Orrstown Financial Services, Inc.
XNAS: ORRF
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41.320.42(1.03%)
29.65% Gain from 52W Low
70,503
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XNAS 12 Oct, 2026 5:30 PM (EDT)

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Board Meeting
The next board meeting for Orrstown Fin Services Inc is on 22 Oct 2026 for the purpose of Orrstown Financial Services Inc Third Quarter Earnings Results for 2026See details

Orrstown Fin Services Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Orrstown Fin Services Inc share price target, revenues, EPS, net income and more

Orrstown Fin Services Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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  • NEGATIVE

    Quarterly Revenue Orrstown Fin Services Inc Jun-2026 Quarterly Revenue is $62 Million which is growth of -0.5% YoY.

  • POSITIVE

    Quarterly Net Profit Orrstown Fin Services Inc Jun-2026 Quarterly Net Profit is $21 Million which is growth of 8.8% YoY.

Orrstown Financial Services, Inc., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
61.563.463.963.561.859.76163.332.933.232.231.833.2
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
-----------13.914.7
Operating Profit
-----------
⌄
-------------
Profit Before Tax
24.727.527.527.724.722.817.1-9.99.810.79.711.612.4
Tax
3.55.765.85.34.73.5-22.12.22.12.52.6
⌄
21.221.821.521.919.518.113.7-7.97.78.57.699.8
Diluted NI Avail to Com Stockholders Ann.
21.221.821.521.919.518.113.7-7.97.78.57.699.8
Basic EPS
1.11.11.11.110.90.7-0.40.70.80.70.91
Diluted EPS After ExtraOrdinary
1.11.11.11.1110.91.10.80.90.80.90.9
Number Of Shares End
19.319.319.319.219.219.219.219.110.410.410.310.310.3
Net Income Continuing Discontinued Operations
21.221.821.521.919.518.113.7-7.97.78.57.699.8
Normalized Income
22.72321.521.920.219.316.721.48.79.28.699.8
Interest Income
74.774.476.377.174.875.5808343.342.74038.736.9
Interest
25.925.425.726.125.326.829.431.317.215.81412.510.5
Net Interest Income
48.84950.55149.548.850.651.726.126.92626.226.4
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
3.53.63.73.73.74.23.93.71.11.11.21.11.1
Profit From Continuing Operations
21.221.821.521.919.518.113.7-7.97.78.57.699.8
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Orrstown Fin Services Inc competitor comparison and performance snapshot within industry

Orrstown Fin Services Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Orrstown Fin Services Inc Dec-2025 Annual Revenue is $249 Million which is growth of 30.7% YoY.

  • POSITIVE

    Annual Net Profit Orrstown Fin Services Inc Dec-2025 Annual Net Profit is $81 Million which is growth of 266.7% YoY.

Orrstown Financial Services, Inc., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
25.7%
17.5%
 248.9190.4129.3125.3114.9110.996.872.46355.552.7
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ----9-6.7-16-23.7-13.5-7.6-5.4-4.3
Operating Profit Ann.
-
-
 ---134.3121.6126.9120.585.970.66157
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
56.8%
25.8%
107.3102.627.84526.640.932.519.614.412.47.99.5
Tax Ann.
68%
29%
2121.85.89.44.686.12.71.64.31.31.6
⌄
54.4%
25%
86.380.922.135.72232.926.516.912.88.16.67.9
Diluted NI Avail to Com Stockholders Ann.
54.4%
25%
86.380.922.135.72232.926.516.912.88.16.67.9
EPS Ann.
26%
11.8%
 4.21.53.52.132.41.61.510.81
Diluted EPS Ann.
26%
11.8%
 4.21.53.42.132.41.61.510.81
Number Of Shares End
22.9%
17.5%
 19.319.210.310.410.98.6119.28.18.18.1
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
54.4%
25%
86.380.922.135.72232.926.516.912.88.16.67.9
Normalized Income Ann.
33.6%
22.7%
89.182.956.136.634.832.929.826.715.710.76.78.5
Interest Income Ann.
40.8%
25%
302.4303.7248.9149.9108.793.799.69364.8514238.6
Interest Ann.
126%
45.4%
103.1103.993.74596.71623.713.57.65.44.3
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
49.3%
18.3%
14.415.39.74.34.65.36.65.63.63.332.9
Profit From Continuing Operations Ann.
54.4%
25%
86.380.922.135.72232.926.516.912.88.16.67.9
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
30.7%
2Y CAGR
38.7%
3Y CAGR
25.7%
5Y CAGR
17.5%
7Y CAGR
19.3%
10Y CAGR
16.8%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
266.1%
2Y CAGR
50.5%
3Y CAGR
54.4%
5Y CAGR
25%
7Y CAGR
30.1%
10Y CAGR
26.2%
Net Profit Annual growth is higher than historical averages.

Orrstown Fin Services Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Orrstown Fin Services Inc Dec-2025 Total Shareholders Fund is $592 Million which is growth of 14.5% YoY.

  • POSITIVE

    Total Assets Orrstown Fin Services Inc Dec-2025 Total Assets is $5,542 Million which is growth of 1.8% YoY.

Orrstown Financial Services, Inc., Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
23.8%
15%
5,542.35,441.63,064.22,922.42,834.62,750.62,383.31,934.41,558.91,414.51,292.8
⌄
22.5%
14.6%
4,950.74,924.92,799.22,693.52,562.92,504.32,1601,7611,414.11,279.61,159.8
⌄
37.2%
19.2%
591.5516.7265.1228.9271.7246.3223.3173.4144.8134.9133.1
Total Capitalization Ann.
35%
21.9%
903.4700.7434.7367.1305.5336.2318.2288.7228.6159157.6
Tangible Assets Ann.
32.7%
16.8%
483.8400.8243.9207.1248.8222.1196.1156.9144.8134.9132.9
Working Capital Ann.
-
-
---
Invested Capital Ann.
35%
21.9%
903.4700.7434.7367.1305.5336.2464.8343.7278.6211217.6
Tangible Book Value Ann.
32.7%
16.8%
483.8400.8243.9207.1248.8222.1196.1156.9144.8134.9132.9
Borrowings Ann.
31.2%
28.2%
311.8184169.6138.233.990241.5170.3133.876.284.5
Net Debt Ann.
28%
-
162.1-104.477.3--185.198.510445.956.2
Share Issued Ann.
20.7%
11.8%
19.719.711.211.211.311.311.29.48.48.38.3
Number Of Shares End
22.9%
17.5%
19.319.210.310.410.98.6119.28.18.18.1
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
1.9%
2Y CAGR
34.5%
3Y CAGR
23.8%
5Y CAGR
15%
7Y CAGR
16.2%
10Y CAGR
15.7%
Total Assets Annual growth is lower than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
14.5%
2Y CAGR
49.4%
3Y CAGR
37.2%
5Y CAGR
19.2%
7Y CAGR
19.2%
10Y CAGR
16.1%
Total ShareHolders Funds Annual growth is lower than historical averages.

Orrstown Fin Services Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Orrstown Fin Services Inc Book Value Per Share is $30 which is growth of 13.8% YoY.

  • NEUTRAL

    ROE Orrstown Fin Services Inc ROE is 0% which is growth of 0% YoY.

Orrstown Financial Services, Inc., Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-0.52%1.19%0.77%1.18%1.03%0.78%0.73%0.54%0.49%0.63%
ROE Ann. %
-
-
-5.64%14.44%8.81%12.70%11.27%8.53%8.05%5.79%4.95%6.05%
ROIC %
-
-
-----------
OPM Ann. %
-
-
---107.20%105.85%114.45%124.48%118.60%112.14%109.75%108.16%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0000000000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.40.60.60.10.40.40.70.60.20.2
*All financials are in USD Million and price data in USD
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Orrstown Fin Services Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Orrstown Fin Services Inc Dec-2025 Cash From Operating Activity is $75 Million which is growth of 113.8% YoY.

  • NEGATIVE

    Net Cash Flow Orrstown Fin Services Inc Dec-2025 Net Cash Flow is $-99 Million which is growth of -153.9% YoY.

Orrstown Financial Services, Inc., Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
27.3%
19.9%
74.73543.736.240.830.29.122.516.415.612.2
⌄
-
-
-18261-153.3-271-2-292.419-139.4-145.9-128.9-107.4
⌄
-54.7%
-52.4%
8.187.8113.986.944.7331.5-60.4175.9129.1115.292.1
Cash Plus Cash Eqv. End Of Year Ann.
35.1%
3.6%
149.8248.965.260.8208.7125.356.588.829.830.328.3
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-
-99.1183.74.3-147.983.569.3-32.459-0.51.9-3.1
Cash Plus Cash Eqv. Begin Of Year Ann.
6%
34.8%
248.965.260.8208.7125.35688.829.830.328.331.4
Income Tax Paid Supplemental Data Ann.
22.9%
72.3%
9.19.67.54.94.40.6-0.11.61.30.8
Interest Paid Supplemental Data Ann.
128.2%
44%
103.493.342.98.76.816.724.312.97.65.44.2
Capex Ann.
-
-
-4.2-1.6-2.3-0.9-1.3-1.3-2.9-4.8-2.7-13.4-1.5
Issuance Of Capital Stock Ann.
-
-
-------0.20.10.10.2
Issuance Of Debt Ann.
11%
1.3%
1354098.63.8126.6135.856.98020
Repayment Of Debt Ann.
-
-
-47.5-16.1-0.4-56.2-267-116.8-54.9-20.4-0.3-10.3
Repurchase Of Capital Stock Ann.
-
-
-2.3-2.4-3-14.5-2.4-1.9-1.8-0.7-0.6-0.8
Free Cash Flow Ann.
25.9%
19.5%
70.533.441.435.339.628.96.217.713.72.210.7
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
113.4%
2Y CAGR
30.7%
3Y CAGR
27.3%
5Y CAGR
19.9%
7Y CAGR
18.7%
10Y CAGR
19.9%
Cash from Operating Activity Annual growth is higher than historical averages.
Cash from Financing Act. Ann.
1Y CHG
-90.8%
2Y CAGR
-73.3%
3Y CAGR
-54.7%
5Y CAGR
-52.4%
7Y CAGR
-35.6%
10Y CAGR
-21.6%
Cash from Financing Annual Activity is falling faster than historical averages.
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