Orrstown Financial Services, Inc. (ORRF)

ORRF Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	22.05	35.66	22.04	32.88	26.46
Depreciation & Amortization	9.69	4.34	4.62	5.31	6.57
Gain (Loss) on Sale of Assets	0.38	-1.29	1.83	-0.31	0.7
Gain (Loss) on Sale of Investments	-13.05	2.46	2.17	-0.36	-4.69
Total Asset Writedown	-	-	-	-	0.15
Provision for Credit Losses	16.55	1.68	4.19	1.09	5.33
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.14	5.02	-5.42	6.94	1.94
Accrued Interest Receivable	-10.61	1.57	-4.17	-3.2	-2.89
Change in Other Net Operating Assets	-	-	-	-	0.95
Other Operating Activities	-1.97	-2.46	-0.89	0.2	2.43
Operating Cash Flow	34.96	43.7	36.19	40.81	30.17
Operating Cash Flow Growth	-20.00%	20.75%	-11.32%	35.27%	231.91%
Capital Expenditures	-1.58	-2.29	-0.9	-1.25	-1.3
Sale of Property, Plant and Equipment	-	0.04	-	-	-
Cash Acquisitions	45.28	-	-	-	-
Investment in Securities	2.98	10.56	-98.68	-6.93	29.55
Income (Loss) Equity Investments	-0.15	-0.04	-0.98	-	-
Divestitures	-	-17.64	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	26.76	-145.3	-168.16	1.78	-327.28
Other Investing Activities	-12.45	-1.15	-3.25	3.31	2.38
Investing Cash Flow	60.99	-153.25	-270.99	-2.01	-292.57
Short-Term Debt Issued	-	-	98.63	3.84	-
Long-Term Debt Issued	-	40	-	-	126.6
Total Debt Issued	-	40	98.63	3.84	126.6
Short-Term Debt Repaid	-14.37	-14.65	-	-	-135.4
Long-Term Debt Repaid	-	-1.46	-0.44	-56.15	-131.62
Total Debt Repaid	-14.37	-16.11	-0.44	-56.15	-267.02
Net Debt Issued (Repaid)	-14.37	23.9	98.19	-52.31	-140.43
Issuance of Common Stock	0.27	0.14	0.13	0.14	0.12
Repurchase of Common Stock	-2.39	-2.96	-14.46	-2.38	-1.89
Common Dividends Paid	-13.18	-8.49	-8.26	-8.28	-7.61
Net Increase (Decrease) in Deposit Accounts	116.88	101.3	11.31	108.02	481.28
Other Financing Activities	0.55	-	-	-0.53	0.22
Financing Cash Flow	87.76	113.89	86.91	44.65	331.69
Net Cash Flow	183.71	4.34	-147.89	83.45	69.3
Free Cash Flow	33.38	41.41	35.3	39.56	28.87
Free Cash Flow Growth	-19.39%	17.31%	-10.77%	37.03%	367.19%
Free Cash Flow Margin	18.95%	32.13%	28.84%	34.39%	27.08%
Free Cash Flow Per Share	2.24	3.97	3.30	3.56	2.62
Cash Interest Paid	93.32	42.89	8.72	6.81	16.67
Cash Income Tax Paid	9.63	7.45	4.9	4.4	0.55

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q