Orrstown Financial Services, Inc. (ORRF)

NASDAQ: ORRF · Real-Time Price · USD

42.10

-0.52 (-1.22%)

Aug 10, 2026, 11:43 AM EDT - Market open

ORRF Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	255.38	252.08	176.14	128.88	122.39	115.04
Revenue Growth	9.27%	43.11%	36.68%	5.30%	6.40%	10.66%
Net Income	86.32	80.86	22.05	35.66	22.04	32.88
Earnings Per Share	4.45	4.18	1.48	3.42	2.06	2.96
EPS Growth	98.66%	182.43%	-56.73%	66.02%	-30.40%	23.33%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	144.84	149.77	248.87	65.16	60.82	208.71
Total Debt	8.05	37.12	68.68	32.09	32.03	31.96
Net Cash (Debt)	136.79	112.65	180.19	33.07	28.8	176.75
Net Cash Growth	70.23%	-37.48%	444.92%	14.83%	-83.71%	89.33%
Net Cash Per Share	7.05	5.82	12.08	3.17	2.69	15.91

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	87.79	74.73	34.96	43.7	36.19	40.81
Capital Expenditures	-2.1	-4.24	-1.58	-2.29	-0.9	-1.25
Free Cash Flow	85.69	70.5	33.38	41.41	35.3	39.56
Free Cash Flow Growth	83.50%	111.22%	-19.39%	17.31%	-10.77%	37.03%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	42.03%	40.72%	15.79%	34.94%	21.75%	35.55%
Profit Margin	33.80%	32.08%	12.52%	27.67%	18.00%	28.58%
FCF Margin	33.55%	27.97%	18.95%	32.13%	28.84%	34.39%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.200	1.060	0.860	0.800	0.760	0.740
Dividend Per Share Growth	14.71%	23.26%	7.50%	5.26%	2.70%	8.82%
Dividend Yield	2.82%	3.04%	2.44%	2.78%	3.38%	3.00%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	9.58	8.47	24.74	8.63	11.24	8.51
Forward PE	9.87	8.31	8.59	9.38	6.98	10.46
P/FCF Ratio	9.58	9.80	21.27	7.56	7.00	7.12
PS Ratio	3.26	2.74	4.03	2.43	2.02	2.45