ORRF · Orrstown Financial Services Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $3.55M | - | - | - | $4.24M | - | - | - | $1.07M | - |
| Operating Income | $27.50M | - | $27.68M | $24.70M | $22.76M | - | ($9.90M) | $9.82M | $10.74M | - |
| Interest Expense | - | - | - | - | - | - | - | $17.18M | $15.77M | - |
| Income Tax | $5.69M | - | $5.81M | $5.26M | $4.71M | - | ($1.99M) | $2.09M | $2.21M | - |
| Net Income | $21.81M | - | $21.86M | $19.45M | $18.05M | - | ($7.90M) | $7.74M | $8.53M | - |
| EPS - Basic | $1.13 | - | $1.14 | $1.01 | $0.94 | - | ($0.41) | $0.74 | $0.82 | - |
| EPS - Diluted | $1.12 | - | $1.13 | $1.01 | $0.93 | - | ($0.41) | $0.73 | $0.81 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $161.14M | $149.77M | $184.15M | $149.38M | $287.12M | $248.87M | $236.78M | $132.51M | $182.72M | $65.16M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $5.58B | $5.54B | $5.47B | $5.39B | $5.44B | $5.44B | $5.47B | $3.20B | $3.18B | $3.06B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | $40.00M |
| Total Liabilities | $4.97B | $4.95B | $4.90B | $4.84B | $4.91B | $4.92B | $4.95B | $2.92B | $2.91B | $2.80B |
| Stockholders' Equity | $603.18M | $591.53M | $571.94M | $548.45M | $532.94M | $516.68M | $516.21M | $278.38M | $271.68M | $265.06M |
| Retained Earnings | $202.70M | $186.75M | $170.53M | $153.92M | $139.55M | $126.54M | $117.31M | $129.67M | $124.08M | $117.67M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $25.54M | - | - | - | $10.95M | - | - | - | $12.67M | - |
| Investing Cash Flow | ($32.36M) | - | - | - | $39.87M | - | - | - | ($9.38M) | - |
| Financing Cash Flow | $18.18M | - | - | - | ($12.57M) | - | - | - | $114.27M | - |
| CapEx | $422.0K | - | - | - | $2.31M | - | - | - | $63.0K | - |
| Free Cash Flow | $25.11M | - | - | - | $8.64M | - | - | - | $12.61M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.15 | - | - | - | 0.48 | - | - | - | 1.48 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 20.7% | - | 21.0% | 21.3% | 20.7% | - | - | 21.2% | 20.6% | - |
| Return on assets | 0.4% | - | 0.4% | 0.4% | 0.3% | - | -0.1% | 0.2% | 0.3% | - |
| Return on equity | 3.6% | - | 3.8% | 3.5% | 3.4% | - | -1.5% | 2.8% | 3.1% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | 0.15 |
| Debt / Assets | - | - | - | - | - | - | - | - | - | 0.01 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.6x | 0.7x | - |
| Equity multiplier | 9.25 | 9.37 | 9.56 | 9.82 | 10.21 | 10.53 | 10.60 | 11.49 | 11.72 | 11.56 |
| Liabilities / Assets | 0.89 | 0.89 | 0.90 | 0.90 | 0.90 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 32.2x | - | 30.1x | 31.5x | 32.3x | - | - | 37.5x | 33.0x | - |
| P / B | 1.2x | - | 1.2x | 1.1x | 1.1x | - | 1.3x | 1.0x | 1.0x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 17.4x | - | - | - | 10.8x | - | - | - | 8.3x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 20.8% | - | - | 151.5% | 111.9% | - | - | -20.7% | -5.7% | - |
| Net income growth (YoY) | 20.8% | - | - | 151.3% | 111.6% | - | - | -21.3% | -6.8% | - |
| EPS growth (YoY) | 20.4% | - | - | 38.4% | 14.8% | - | - | -22.3% | -6.9% | - |
| EPS CAGR (3y) | 8.8% | - | - | 6.8% | 7.0% | - | - | -2.6% | -4.2% | - |
| EPS CAGR (5y) | 4.0% | - | 20.2% | 11.7% | 15.1% | - | - | 22.9% | 19.7% | - |
| FCF growth (YoY) | 190.8% | - | - | - | -31.5% | - | - | - | 144.0% | - |
| FCF CAGR (5y) | - | - | - | - | 14.7% | - | - | - | - | - |
| Book value growth (YoY) | 13.2% | 14.5% | 10.8% | 97.0% | 96.2% | 94.9% | 112.4% | 13.3% | 13.1% | 15.8% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$37.14M totalProducts And Services Trust And Investment Management Income$14.97M · 40.3%
Products And Services Service Charges On Deposits$8.49M · 22.9%
Products And Services Merchant And Bankcard Fees Interchange Income$6.96M · 18.7%
Products And Services Brokerage Income$6.72M · 18.1%
Peer comparison
Same SIC group: State Commercial Banks
Comparing ORRSTOWN FINANCIAL SERVICES INC against the 5 most active filers in the same SIC group.
Dividends
$1.14/share trailing 12 months · +16.3% YoY
| Ex-date | Per share |
|---|---|
| May 5, 2026 | $0.3000 |
| Feb 10, 2026 | $0.3000 |
| Nov 5, 2025 | $0.2700 |
| Aug 5, 2025 | $0.2700 |
| May 6, 2025 | $0.2600 |
| Feb 14, 2025 | $0.2600 |
| Nov 5, 2024 | $0.2300 |
| Aug 8, 2024 | $0.2300 |
| May 6, 2024 | $0.2000 |
| Feb 5, 2024 | $0.2000 |
| Nov 6, 2023 | $0.2000 |
| Aug 7, 2023 | $0.2000 |
| May 8, 2023 | $0.2000 |
| Feb 6, 2023 | $0.2000 |
| Oct 28, 2022 | $0.1900 |
| Jul 29, 2022 | $0.1900 |
| Apr 29, 2022 | $0.1900 |
| Jan 31, 2022 | $0.1900 |
| Oct 29, 2021 | $0.1900 |
| Jul 30, 2021 | $0.1900 |
| Apr 30, 2021 | $0.1800 |
| Jan 29, 2021 | $0.1800 |
| Oct 30, 2020 | $0.1700 |
| Jul 31, 2020 | $0.1700 |