Orrstown Financial Services, Inc. (ORRF)

ORRF Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	73.05	22.05	35.66	22.04	32.88	26.46
Depreciation & Amortization	15.52	9.69	4.34	4.62	5.31	6.57
Provision for Credit Losses	2.62	16.55	1.68	4.19	1.09	5.33
Stock-Based Compensation	5.21	8.72	2.36	2.15	1.95	2.09
Net Change in Loans Held-for-Sale	-1.41	0.14	5.02	-5.42	6.94	1.94
Other Adjustments	-24.47	-15.74	-1.28	14.92	-5.43	-19.83
Changes in Accrued Interest and Accounts Receivable	-	-	-	-	-	0.95
Changes in Other Operating Activities	-3.46	-6.45	-4.08	-6.31	-1.92	6.66
Operating Cash Flow	66.61	34.96	43.7	36.19	40.81	30.17
Operating Cash Flow Growth	65.29%	-20.00%	20.75%	-11.32%	35.27%	231.91%
Net Change in Loans Held-for-Investment	21.11	26.76	-145.3	-168.16	1.78	-327.28
Net Change in Securities and Investments	-106.36	3.67	10.08	-103.48	-3.62	35.17
Payments for Business Acquisitions	-	45.28	-	-	-	-
Proceeds from Business Divestments	-	-	-17.64	-	-	-
Capital Expenditures	-4.73	-1.58	-2.29	-0.9	-1.25	-1.3
Sale of Property, Plant & Equipment	2.19	-	2.58	-	1.08	4.1
Other Investing Activities	-2.35	-13.14	-0.67	1.55	-	-3.25
Investing Cash Flow	-51.37	60.99	-153.25	-270.99	-2.01	-292.57
Net Change in Deposits	-118.9	116.88	101.3	11.31	108.02	481.28
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	99.47	-14.37	-14.65	98.63	3.84	-135.4
Long-Term Debt Issued	-	-	40	-	-	126.6
Long-Term Debt Repaid	-22.5	-	-1.46	-0.44	-56.15	-131.62
Net Long-Term Debt Issued (Repaid)	-22.5	-	38.55	-0.44	-56.15	-5.02
Issuance of Common Stock	0.28	0.27	0.14	0.13	0.14	0.12
Repurchase of Common Stock	-2.94	-2.39	-2.96	-14.46	-2.38	-1.89
Net Common Stock Issued (Repurchased)	-2.66	-2.13	-2.83	-14.32	-2.25	-1.77
Common Dividends Paid	-19.83	-13.18	-8.49	-8.26	-8.28	-7.61
Other Financing Activities	0.84	0.55	-	-	-0.53	0.22
Financing Cash Flow	-67.87	87.76	113.89	86.91	44.65	331.69
Net Cash Flow	-52.63	183.71	4.34	-147.89	83.45	69.3
Free Cash Flow	61.88	33.38	41.41	35.3	39.56	28.87
Free Cash Flow Growth	85.38%	-19.39%	17.31%	-10.77%	37.03%	367.19%
FCF Margin	24.64%	20.91%	32.55%	29.86%	34.72%	29.27%
Free Cash Flow Per Share	3.20	2.24	3.97	3.30	3.56	2.62
Levered Free Cash Flow	57.88	23.71	72.18	19.02	-21.14	34.32
Unlevered Free Cash Flow	7.33	1.66	-2.03	-2.58	2.13	12.88

Updated Nov 6, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q