Orrstown Financial Services, Inc.

Orrstown Financial Services, Inc.

ORRF
Orrstown Financial Services, Inc.US flagNASDAQ Capital Market
41.26
USD
+0.05
- -
810.67MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.03
6.41
6.47
6.87
7.79
8.65
9.34
10.13
10.48
11.87
12.51
12.9
12.96
13.14
Basic EPS, GAAP
1.24
3.59
0.97
0.82
1
1.53
1.63
2.42
3
2.09
3.45
1.49
4.21
4.4
Free Cash Flow per Basic Share
3.84
2.02
1.31
0.27
1.69
2.11
0.6
2.64
3.61
3.34
4
2.26
3.67
4.52
Dividend per Share
- -
- -
0.22
0.36
0.43
0.52
0.59
0.7
0.75
0.78
0.82
0.89
1.08
1.12
Book Value per Share
-3.32
0.29
1.03
1.5
2.04
2.98
3.46
5
7.23
8.82
11.44
8.64
9.78
10.59
Tangible Book Value per Share
11.22
15.63
16.32
16.68
17.76
18.75
18.93
20.29
22.68
19.62
23.59
27.15
25.2
25.88
Basic Weighted Avg Shares
8
8
8
8
8
8
10
11
11
11
10
15
19
19
Sales/Revenue/Turnover
49
52
53
56
63
72
97
111
115
125
129
190
249
253
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
3
3
3
3
4
6
7
5
5
4
10
15
15
Net Income, GAAP
10
29
8
7
8
13
17
26
33
22
36
22
81
85
Effective Tax Rate (%)
- -
- -
17.19
16.04
34.91
11.35
13.8
18.6
19.6
17.2
20.81
20.7
21.22
21.2
Profit Margin (%)
20.48
56.03
14.94
11.93
12.84
17.69
17.48
23.87
28.61
17.59
27.58
11.58
32.48
33.49
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
16
15
24
24
84
115
242
90
34
138
170
184
312
244
Total Equity
91
127
133
135
145
173
223
246
272
229
265
517
592
603
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
147.3
64.73
56.61
61.8
55.68
58.47
49.09
25.57
33.75
17.94
51.28
49.15

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
246
312
244
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
20
20
20
Market Capitalization
651
680
694

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
851
151
891
Accounts Receivable, Net
20
21
21
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
18.73%
23.96%
14.49%
Free Cash Flow
90.5%
27.08%
111.22%
Net Income, GAAP
43.47%
56.32%
266.69%
Sales/Revenue/Turnover
17.58%
18.77%
30.73%
Total Cash Common Dividend
29.24%
24.65%
56.66%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
33
33
63
61
190
2025
60
62
63
64
249
2026
63
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.82
0.74
-0.41
0.72
1.49
2025
0.94
1.01
1.14
1.12
4.21
2026
1.13
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.21
0.21
0.23
0.23
0.89
2025
0.26
0.26
0.27
0.27
1.08
2026
0.3
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Adam L. Metz
Full Time Employees
627
Sector
Financial Services
Industry
Banks - Regional
Address
4750 Lindle Road Harrisburg PA United States of America 17257
IPO Date
May 13, 1999
Business
Orrstown Financial Services, Inc. (NASDAQ: ORRF) operates as the holding company for Orrstown Bank, a regional community bank providing commercial banking, consumer banking, and wealth management services to retail, commercial, non-profit, and government clients across Pennsylvania and Maryland. Founded in 1919 and headquartered in Harrisburg, Pennsylvania, the company offers deposit products including checking, savings, time, demand, and money market deposits as well as certificates of deposit; lending services encompassing commercial real estate, equipment, construction, working capital, industrial, home equity, consumer, residential mortgage, acquisition and development, municipal, and installment loans; wealth management and fiduciary services such as trustee, executor, administrator, guardian, custodian, and investment advisory through Orrstown Financial Advisors; insurance products; and retail brokerage services via third-party arrangements. Orrstown Bank maintains 51 banking offices across 12 counties in Pennsylvania and Maryland, supported by loan production centers, with total assets of approximately $5.3 billion. In July 2024, the company completed a merger of equals with Codorus Valley Bancorp, Inc., acquiring PeoplesBank in an all-stock transaction valued at $207 million to expand its footprint, enhance lending capacity, and broaden product offerings in central and eastern Pennsylvania as well as the greater Baltimore area.

Company News

APIChatGPT
  • Why Orrstown Financial Services (ORRF) is a Great Dividend Stock Right Now

  • Earnings Preview: Orrstown Financial Services (ORRF) Q2 Earnings Expected to Decline

  • Orrstown Financial Services, Inc. Announces Date of Second Quarter 2026 Earnings Release, Conference Call and Webcast

  • Orrstown Financial Services Inc (ORRF) Hit a 52 Week High, Can the Run Continue?

  • Why Orrstown Financial Services (ORRF) is a Top Dividend Stock for Your Portfolio

  • Adam L. Metz Named President and Chief Executive Officer at Orrstown Bank

  • A Look at Orrstown Financial Services Inc (ORRF) After 5.0% Decline -- GF Value $29.63 vs Price $35.87

  • Orrstown Financial Services, Inc. (ORRF) Q1 2026 Earnings Call Transcript

  • Orrstown Financial Services (ORRF) Surpasses Q1 Earnings and Revenue Estimates

  • Head-To-Head Analysis: Orrstown Financial Services (NASDAQ:ORRF) and First United (NASDAQ:FUNC)

  • Brokerages Set Orrstown Financial Services Inc (NASDAQ:ORRF) Price Target at $39.67

  • Arrow Financial (NASDAQ:AROW) and Orrstown Financial Services (NASDAQ:ORRF) Head-To-Head Contrast

  • Orrstown Financial Services (NASDAQ:ORRF) Share Price Crosses Above 200-Day Moving Average – What’s Next?

  • Orrstown Financial Services Q4 Earnings Call Highlights

  • Orrstown Financial Services, Inc. (ORRF) Q4 2025 Earnings Call Transcript

  • Here's What Key Metrics Tell Us About Orrstown (ORRF) Q4 Earnings

  • Orrstown Financial Services (ORRF) Q4 Earnings and Revenues Beat Estimates

  • Orrstown Financial Services, Inc. Reports Fourth Quarter 2025 Results and Announces Dividend Increase

  • Orrstown Financial Services (NASDAQ:ORRF) Share Price Crosses Above 200-Day Moving Average – Here’s What Happened

  • Orrstown Financial Advisors Welcomes Matthew Alpert as Chief Wealth Officer