ORRF Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Interest Income	199.79	155.25	104.91	99.63	86.97
Net Interest Income Growth	28.69%	47.99%	5.30%	14.55%	4.03%
Non-Interest Income	52.31	37.44	25.65	26.95	29.15
Non-Interest Income Growth	39.74%	45.93%	-4.82%	-7.55%	13.56%
Revenues Before Loan Losses	252.11	192.69	130.56	126.58	116.13
Provision for Credit Losses	0.13	16.55	1.68	4.19	1.09
Revenue	251.98	176.14	128.88	122.39	115.04
Revenue Growth (YoY)	43.05%	36.68%	5.30%	6.40%	10.66%
Compensation Expenses	85.17	76.58	50.98	48	44
Selling, General & Admin	46.3	39.6	25.7	25.69	24.12
Other Non-Interest Expenses	17.98	32.15	7.16	22.08	6.02
Total Non-Interest Expense	149.44	148.34	83.84	95.78	74.14
Pretax Income	102.64	27.81	45.03	26.62	40.9
Provision for Income Taxes	21.78	5.76	9.37	4.58	8.01
Net Income	80.86	22.05	35.66	22.04	32.88
Net Income to Common	80.86	22.05	35.66	22.04	32.88
Net Income Growth	266.69%	-38.17%	61.83%	-32.98%	24.25%
Shares Outstanding (Basic)	19	15	10	11	11
Shares Outstanding (Diluted)	19	15	10	11	11
Shares Change (YoY)	29.78%	42.92%	-2.53%	-3.60%	0.65%
EPS (Basic)	4.21	1.49	3.45	2.09	3.00
EPS (Diluted)	4.18	1.48	3.42	2.06	2.96
EPS Growth	182.43%	-56.73%	66.02%	-30.40%	23.33%
Free Cash Flow	0.13	33.38	41.41	35.3	39.56
Free Cash Flow Growth	-99.62%	-19.39%	17.31%	-10.77%	37.03%
Free Cash Flow Per Share	0.01	2.24	3.97	3.30	3.56
Dividends Per Share	1.060	0.860	0.800	0.760	0.740
Dividend Growth	23.26%	7.50%	5.26%	2.70%	8.82%
Profit Margin	32.09%	13.82%	28.04%	18.64%	28.86%
FCF Margin	0.05%	20.91%	32.55%	29.86%	34.72%
EBITDA	0	9.69	4.34	4.62	5.31
EBITDA Margin	0.00%	6.07%	3.41%	3.91%	4.66%
Effective Tax Rate	21.22%	20.70%	20.81%	17.20%	19.60%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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