Orrstown Financial Services, Inc.

Orrstown Financial Services, Inc.

ORRF
Orrstown Financial Services, Inc.US flagNASDAQ Capital Market
43.13
USD
+0.67
- -
847.41MMarket Cap
Orrstown Financial Services, Inc.
ORRF
(NASDAQ Capital Market)

Recent

price

43.13

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
9.03
9.38
7.46
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
13.1
Revenue per Share
2.18
-3.98
-4.77
1.24
3.59
0.97
0.82
1
1.53
1.63
2.42
3
2.09
3.45
1.49
4.21
4.48
Basic EPS, GAAP
3.18
4.16
2.11
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
4.45
Free Cash Flow per Basic Share
0.89
0.69
- -
- -
- -
0.22
0.36
0.43
0.52
0.59
0.7
0.75
0.78
0.82
0.89
1.08
1.16
Dividend per Share
20.1
15.92
10.85
11.28
15.4
16.08
16.28
17.34
18.39
19.93
21.98
24.29
21.45
24.98
26.65
30.32
31.6
Book Value per Share
17.5
15.79
10.75
11.2
15.35
16.06
16.28
17.21
16.64
17.51
19.83
22.24
19.41
22.98
20.67
24.8
26.35
Tangible Book Value per Share
8
8
8
8
8
8
8
8
8
10
11
11
11
10
15
19
19
Basic Weighted Avg Shares
69
75
60
49
52
53
56
63
72
97
111
115
125
129
190
249
252
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
3
3
3
3
3
3
3
4
6
7
5
5
4
10
15
14
Depreciation Expense
17
-32
-38
10
29
8
7
8
13
17
26
33
22
36
22
81
86
Net Income, GAAP
28.07
- -
- -
- -
- -
17.19
16.04
34.91
11.35
13.8
18.6
19.6
17.2
20.81
20.7
21.22
19.58
Effective Tax Rate (%)
24.13
-42.43
-63.92
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
34.21
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
65
54
37
16
15
24
24
84
115
242
90
34
138
170
184
312
283
LT Debt
160
128
88
91
127
133
135
145
173
223
246
272
229
265
517
592
622
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
12.22
-22.14
-35.62
11.17
26.65
6.05
4.95
5.79
8.05
8.53
11.27
12.7
8.81
14.44
5.64
14.59
14.75
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
312
244
283
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
20
20
20
Market Capitalization
691
708
803

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
151
891
874
Accounts Receivable, Net
21
21
20
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
62
- -
- -
- -

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
1.1
- -
- -
- -

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
0.31
- -
- -
- -
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

  • Are You Looking for a High-Growth Dividend Stock?

  • BlackRock Inc. Purchases Shares of 1,680,316 Orrstown Financial Services Inc $ORRF

  • Bank of America Corp DE Purchases 27,301 Shares of Orrstown Financial Services Inc $ORRF

  • Recent Debt Repayment Is One Of Several Reasons For Optimism For Orrstown Financial Services

  • Orrstown Financial Services (ORRF) Is Up 2.95% in One Week: What You Should Know

  • Orrstown Financial Services Inc (ORRF) Hits Fresh High: Is There Still Room to Run?

  • Orrstown Financial Services Q2 Earnings Call Highlights

  • Orrstown Financial Services, Inc. (ORRF) Q2 2026 Earnings Call Transcript

  • Orrstown Financial Services Q2 Earnings Call Highlights

  • Orrstown (ORRF) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

  • Orrstown Financial Services (ORRF) Q2 Earnings Beat Estimates

  • Orrstown Financial Services, Inc. Reports Second Quarter 2026 Results

  • 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