Orrstown Financial Services, Inc. (ORRF)

ORRF Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	84.61	80.86	22.05	35.66	22.04	32.88
Depreciation & Amortization	14.57	15.27	9.69	4.34	4.62	5.31
Provision for Credit Losses	0.98	0.03	16.55	1.68	4.19	1.09
Stock-Based Compensation	5.2	5.01	8.72	2.36	2.15	1.95
Net Change in Loans Held-for-Sale	3.04	1.81	0.14	5.02	-5.42	6.94
Other Adjustments	-26.84	-22.86	-15.74	-1.28	14.92	-5.43
Changes in Other Operating Activities	7.79	-5.38	-6.45	-4.08	-6.31	-1.92
Operating Cash Flow	89.32	74.73	34.96	43.7	36.19	40.81
Operating Cash Flow Growth	168.69%	113.78%	-20.00%	20.75%	-11.32%	35.27%
Net Change in Loans Held-for-Investment	-169.33	-69.56	26.76	-145.3	-168.16	1.78
Net Change in Securities and Investments	-123.68	-109.68	3.67	10.08	-103.48	-3.62
Payments for Business Acquisitions	-	-	45.28	-	-	-
Proceeds from Business Divestments	-	-	-	-17.64	-	-
Capital Expenditures	-2.34	-4.24	-1.58	-2.29	-0.9	-1.25
Sale of Property, Plant & Equipment	0.26	2.2	-	2.58	-	1.08
Other Investing Activities	2.32	-0.69	-13.14	-0.67	1.55	-
Investing Cash Flow	-254.19	-181.96	60.99	-153.25	-270.99	-2.01
Net Change in Deposits	-7.23	-95.26	116.88	101.3	11.31	108.02
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-7.46	38.08	-14.37	-14.65	98.63	3.84
Long-Term Debt Issued	210	135	-	40	-	-
Long-Term Debt Repaid	-120	-47.5	-	-1.46	-0.44	-56.15
Net Long-Term Debt Issued (Repaid)	90	87.5	-	38.55	-0.44	-56.15
Issuance of Common Stock	0.16	0.15	0.27	0.14	0.13	0.14
Repurchase of Common Stock	-3.2	-2.27	-2.39	-2.96	-14.46	-2.38
Net Common Stock Issued (Repurchased)	-3.04	-2.12	-2.13	-2.83	-14.32	-2.25
Common Dividends Paid	-21.46	-20.64	-13.18	-8.49	-8.26	-8.28
Other Financing Activities	0.57	0.57	0.55	-	-	-0.53
Financing Cash Flow	38.88	8.13	87.76	113.89	86.91	44.65
Net Cash Flow	-125.98	-99.1	183.71	4.34	-147.89	83.45
Free Cash Flow	86.98	70.5	33.38	41.41	35.3	39.56
Free Cash Flow Growth	23.37%	111.22%	-19.39%	17.31%	-10.77%	37.03%
FCF Margin	34.06%	27.97%	18.95%	32.13%	28.84%	34.39%
Free Cash Flow Per Share	4.49	3.64	2.24	3.97	3.30	3.56
Levered Free Cash Flow	194.63	174.02	23.71	72.18	19.02	-21.14
Unlevered Free Cash Flow	20.02	5.66	1.66	-2.03	-2.58	2.13

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q