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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $37.14M | $27.31M | $19.48M | $19.46M | $18.93M | $17.12M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $15.27M | $9.69M | $4.34M | $4.62M | $5.30M | $6.57M |
| Operating Income | $102.64M | $27.81M | $45.03M | $26.62M | $40.90M | $32.51M |
| Interest Expense | - | - | $44.99M | $9.02M | $6.72M | $16.02M |
| Income Tax | $21.78M | $5.76M | $9.37M | $4.58M | $8.01M | $6.05M |
| Net Income | $80.86M | $22.05M | $35.66M | $22.04M | $32.88M | $26.46M |
| EPS - Basic | $4.21 | $1.49 | $3.45 | $2.09 | $3.00 | $2.42 |
| EPS - Diluted | $4.18 | $1.48 | $3.42 | $2.06 | $2.96 | $2.40 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $149.77M | $248.87M | $65.16M | $60.82M | $208.71M | $125.26M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $5.54B | $5.44B | $3.06B | $2.92B | $2.83B | $2.75B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | $40.00M | $1.46M | $1.90M | $2.32M |
| Total Liabilities | $4.95B | $4.92B | $2.80B | $2.69B | $2.56B | $2.50B |
| Stockholders' Equity | $591.53M | $516.68M | $265.06M | $228.90M | $271.66M | $246.25M |
| Retained Earnings | $186.75M | $126.54M | $117.67M | $92.47M | $78.70M | $54.10M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $74.73M | $34.96M | $43.70M | $36.19M | $40.81M | $30.17M |
| Investing Cash Flow | ($181.96M) | $60.99M | ($153.25M) | ($270.99M) | ($2.01M) | ($292.35M) |
| Financing Cash Flow | $8.13M | $87.76M | $113.89M | $86.91M | $44.65M | $331.47M |
| CapEx | $4.24M | $1.58M | $2.29M | $895.0K | $1.25M | $1.30M |
| Free Cash Flow | $70.50M | $33.38M | $41.41M | $35.30M | $39.56M | $28.87M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 276.3% | 101.8% | 231.2% | 136.7% | 216.0% | 189.9% |
| EBITDA margin | 317.4% | 137.3% | 253.5% | 160.5% | 244.0% | 228.3% |
| Net margin | 217.7% | 80.7% | 183.1% | 113.2% | 173.7% | 154.6% |
| Free cash flow margin | 189.8% | 122.2% | 212.6% | 181.3% | 208.9% | 168.7% |
| FCF / Net income | 0.87 | 1.51 | 1.16 | 1.60 | 1.20 | 1.09 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 21.2% | 20.7% | 20.8% | 17.2% | 19.6% | 18.6% |
| Return on assets | 1.5% | 0.4% | 1.2% | 0.8% | 1.2% | 1.0% |
| Return on equity | 13.7% | 4.3% | 13.5% | 9.6% | 12.1% | 10.7% |
| Return on invested capital | - | - | 11.7% | 9.6% | 12.0% | 10.6% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | 0.15 | 0.01 | 0.01 | 0.01 |
| Debt / Assets | - | - | 0.01 | 0.00 | 0.00 | 0.00 |
| Debt / EBITDA | - | - | 0.81 | 0.05 | 0.04 | 0.06 |
| Interest coverage | - | - | 1.0x | 2.9x | 6.1x | 2.0x |
| Equity multiplier | 9.37 | 10.53 | 11.56 | 12.77 | 10.43 | 11.17 |
| Liabilities / Assets | 0.89 | 0.91 | 0.91 | 0.92 | 0.90 | 0.91 |
| Efficiency | ||||||
| Asset turnover | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 8.5x | 24.7x | 8.6x | 11.2x | 8.5x | 6.9x |
| P / B | 1.2x | 1.1x | 1.2x | 1.1x | 1.0x | 0.7x |
| P / S | 18.5x | 20.0x | 15.8x | 12.7x | 14.8x | 10.7x |
| EV / EBITDA | 4.5x | 7.9x | 5.7x | 6.0x | 1.6x | 1.5x |
| Growth | ||||||
| Revenue growth (YoY) | 36.0% | 40.2% | 0.1% | 2.8% | 10.6% | - |
| Revenue CAGR (3y) | 24.0% | 13.0% | 4.4% | - | - | - |
| Revenue CAGR (5y) | 16.8% | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 269.1% | -38.3% | 69.2% | -34.9% | 25.8% | 65.6% |
| Net income growth (YoY) | 266.7% | -38.2% | 61.8% | -33.0% | 24.3% | 56.4% |
| EPS growth (YoY) | 182.4% | -56.7% | 66.0% | -30.4% | 23.3% | 49.1% |
| EPS CAGR (3y) | 26.6% | -20.6% | 12.5% | 8.6% | 25.4% | 34.8% |
| EPS CAGR (5y) | 11.7% | -1.7% | 17.9% | 16.0% | 29.6% | 19.9% |
| FCF growth (YoY) | 111.2% | -19.4% | 17.3% | -10.8% | 37.0% | 367.2% |
| FCF CAGR (5y) | 19.6% | 40.1% | 18.5% | 20.8% | 77.9% | 22.0% |
| Book value growth (YoY) | 14.5% | 94.9% | 15.8% | -15.7% | 10.3% | 10.3% |
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%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✓Asset turnover improved
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 |