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Orrstown Financial Services Inc

ORRF Financial Banks Regional

Orrstown Financial Services Inc’s revenue for fiscal 2025 (year ended December 2025) was $356.0 million, up 24.3% from fiscal 2024.

Revenue
+0.90%
EPS
+8.91%
Free cash flow
−5.50%
Total debt
−88.3%

Quarter to June 2026, against a year earlier

44.02 1.25 −2.76%
Market cap
$864.7M
P/E
9.8×
Fwd P/E
9.8×
Dividend yield
2.73%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.05
Sold, $m 0.99
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 1 — — — — — — — —
Sell — — 2 1 — — — 1 1 — — —
Insider Ownership 3.17%

Capital & Financial Ratios $m

Size
Market Cap 864.72
Revenue ttm 359.64
Net income ttm 86.32
Free cash flow ttm 85.69
Net debt Q (164.22)
Valuation
P/E 9.80
Forward P/E 9.75
Price / sales 2.36
Forward P/S Powerpack
Price / FCF 9.92
Price / book 1.37
Financial health
Current ratio Q 0.87
Debt / equity Q 0.01
Interest coverage Q —
Growth
Revenue growth Q +0.90% (above 0%: growing)
Operating income growth Q −3.93% (below 0%: shrinking)
EPS, this year +3.79%
EPS, next year A +2.12%
Revenue, next year A −41.92% (below 0%: weak)
EPS, past 5 yrs +11.74%
EPS, next 5 yrs A +3.20%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 44.77%
10-year low 10-year high
P/S against its own 10 years 71.69%
10-year low 10-year high
P/B against its own 10 years 88.52%
10-year low 10-year high

Dividends raised every year since 2018

Yield
2.73%
Annual rate
1.20
Payout ratio
27.0%
Growth, 2018–26
+11.3%/yr
  1. 0.51 ’18
  2. 0.60 ’19 +18
  3. 0.68 ’20 +13
  4. 0.74 ’21 +9
  5. 0.76 ’22 +3
  6. 0.80 ’23 +5
  7. 0.86 ’24 +7
  8. 1.06 ’25 +23
  9. 1.20 ’26 +13
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 77 269 176 172
Receivables — — — —
Inventory — — — —
Other — — — —
2,366 4,179 4,177 4,262
2023 2024 2025 Q'26
Payables 2,559 4,623 4,529 4,620
ST’ Debt — — — —
Other — — — —
2,706 4,764 4,828 4,902

Compound Annual Growth %

10y 5y 3y
Sales 19.94% 22.72% 37.96%
Cash Flow 19.91% 19.89% 27.34%
Earnings 26.23% 25.03% 54.24%
Book Value 16.09% 19.16% 37.23%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.10 Actual 1.17

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.08 1.11 Beat by 0.03
Q1 FY26 1.06 1.12 Beat by 0.06
Q2 FY26 1.03 1.09 Beat by 0.06
Q3 FY26 1.10 1.17 Beat by 0.07
Q4 FY26 1.14 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.12 1.09 — — —
’25 0.93 1.01 1.13 1.11 4.18
’24 0.81 0.73 (0.41) 0.71 1.48
’23 0.87 0.94 0.87 0.73 3.42
’22 0.76 0.83 (0.47) 0.91 2.06
’21 0.92 0.79 0.65 0.60 2.96
’20 0.46 0.58 0.45 0.91 2.40
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 90 89 — — —
’25 87 88 91 91 356
’24 49 50 95 91 286
’23 40 44 45 47 176
’22 31 33 33 38 136
’21 31 30 30 31 123
’20 31 32 31 34 128
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 26 23 — — —
’25 11 24 23 16 75
’24 13 6 7 8 35
’23 5 16 8 14 44
’22 7 19 12 (2) 36
’21 17 3 10 11 41
’20 4 2 9 14 30
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 25 22 — — —
’25 9 24 22 16 71
’24 13 6 7 7 33
’23 5 15 8 13 41
’22 6 18 12 (2) 35
’21 16 3 10 10 40
’20 4 2 9 13 29
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 62 71 87 122 128 123 136 176 286 356 360 +21.5% 207 221 229 (13.6%)
Gross margin, % 91.22 89.29 84.42 80.50 87.48 94.53 93.35 74.37 67.29 70.81 71.33 (20.4) pt
EBT 8 12 14 20 33 41 27 45 28 103 107 +33.0%
EBT margin, % 12.79 17.41 16.66 16.16 25.41 33.29 19.63 25.65 9.71 28.83 29.85 +16.0 pt
Net income 7 8 13 17 26 33 22 36 22 81 86 +32.0%
Per share, $
Per share, $ Revenue 7.66 8.85 10.37 11.73 11.69 11.20 12.85 16.98 19.40 18.54 18.62 +10.3%
Earnings 0.82 1.00 1.53 1.63 2.42 3.00 2.09 3.45 1.49 4.21 4.49 +19.9%
Cash flow 1.93 2.03 2.69 0.88 2.76 3.72 3.43 4.23 2.37 3.89 4.55 +8.1%
Capex (1.66) (0.33) (0.57) (0.28) (0.12) (0.11) (0.08) (0.22) (0.11) (0.22) (0.11) (20.1%)
Free cash flow 0.28 1.70 2.12 0.60 2.64 3.61 3.34 4.01 2.26 3.67 4.44 +33.4%
Book value 16.73 17.94 20.75 21.55 22.50 24.77 21.69 25.63 35.00 30.81 32.19 +7.0%
Shares, m 8 8 8 10 11 11 11 10 15 19 19 +10.1%
Valuation, ×
Valuation, × P/E 27.56 24.49 11.53 13.96 6.87 8.40 11.22 8.53 19.58 8.41 9.80 14.1
P/S 2.95 2.77 1.76 1.93 1.42 2.25 1.81 1.73 1.89 1.91 2.36 2.0
P/B 1.35 1.37 0.88 1.05 0.74 1.02 1.07 1.14 1.05 1.15 1.37 1.1
EV/Sales 2.72 3.39 1.94 1.60 0.60 0.75 1.52 1.47 1.19 1.52 — 1.7
EV/FCF 75.77 17.65 9.49 31.41 2.67 2.34 5.84 6.23 10.19 7.67 — 16.9
Cash, $m
Cash, $m Operating cash flow 16 16 22 9 30 41 36 44 35 75 88 +19.0%
Capex (13) (3) (5) (3) (1) (1) (1) (2) (2) (4) (2) (12.0%)
Free cash flow 2 14 18 6 29 40 35 41 33 71 86 +46.9%
Balance, $m
Balance, $m Working capital (339) (282) (280) (376) (318) (298) (380) (340) (585) (651) (640) +7.5%
Net debt (14) 44 16 (40) (104) (184) (39) (45) (200) (139) (164) +29.0%
Shareholders’ equity 135 145 173 223 246 272 229 265 517 592 622 +17.9%
Returns, %
Returns, % ROA 0.49 0.54 0.73 0.78 1.03 1.18 0.77 1.19 0.52 1.47 1.57 +1.0 pt
ROIC 4.08 4.11 5.83 9.77 14.28 29.16 8.78 13.09 9.98 14.55 14.67 +10.5 pt
ROE 4.95 5.79 8.05 8.53 11.27 12.70 8.81 14.44 5.64 14.59 14.75 +9.6 pt
People
People Employees 327 338 386 460 418 429 419 425 630 652 — +8.0%
Revenue/emp, $m 0.19 0.21 0.22 0.26 0.31 0.29 0.32 0.41 0.45 0.55 — +12.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Orrstown Financial Services Inc vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FMNB Farmers National Banc Corp. $919.5M 10.6× 10.9× +43.94% (above 0%: growing) +5.41% (above 0%: growing) +114.21% (above 0%: growing) 70.09% 0.00% Compare
NBBK NB Bancorp, Inc. $899.0M 13.2× 11.0× +39.49% (above 0%: growing) +37.21% (above 0%: growing) −112.43% (below 0%: shrinking) 63.66% 0.00% Compare
MPB Mid Penn Bancorp $869.3M 11.8× 11.2× +13.23% (above 0%: growing) +6.25% (above 0%: growing) −3.90% (below 0%: shrinking) 69.39% 0.00% Compare
GSBC Great Southern Bancorp, Inc. $868.0M 13.3× 13.9× −10.48% (below 0%: shrinking) −16.18% (below 0%: shrinking) −93.70% (below 0%: shrinking) 71.23% 0.00% Compare
ORRF Orrstown Financial Services Inc $864.7M 9.8× 9.8× +0.90% (above 0%: growing) +8.91% (above 0%: growing) −5.50% (below 0%: shrinking) 70.78% 0.00%
CCBG Capital City Bank Group $861.6M 13.8× 13.4× −2.57% (below 0%: shrinking) +6.45% (above 0%: growing) +47.12% (above 0%: growing) 89.60% 0.00% Compare
FCBC First Community Bancshares, Inc. $858.8M 14.3× 14.0× +35.47% (above 0%: growing) +77.61% (above 0%: growing) +82.80% (above 0%: growing) 92.36% 0.00% Compare
ALRS Alerus Financial $837.6M 28.4× 10.5× +4.46% (above 0%: growing) +16.67% (above 0%: growing) +136.92% (above 0%: growing) 77.55% 0.00% Compare
RCBC River City Bank $828.4M — — — — — 51.62% 0.00% Compare
Median of peers $864.8M 13.3× 11.2× +13.23% +6.45% +47.12% 70.66% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 27 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 4.22m 4.16m 251.78
2024 4.71m 5.10m 251.89
2023 2.64m 2.90m 197.31
2022 2.53m 2.45m 149.23
2021 1.97m 2.23m 157.55
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Orrstown Financial Services Inc (ORRF) Latest News

26 Oct

Impact 3 · · GlobeNewswire

22 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · The Motley Fool

21 Oct

Impact 4 · · MarketBeat
Impact 4 · · Moby transcript
Impact 3 · · The Motley Fool transcript

20 Oct

Impact 4 ·
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press

8 Oct

Impact 3 · · Zacks

24 Sep

Impact 3 · · Zacks

21 Sep

Impact 3 · · Zacks

12 Aug

Impact 3 ·

22 Jul

Impact 4 ·
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby transcript

21 Jul

Impact 3 ·
Impact 3 ·
Impact 3 ·

14 Jul

Impact 3 ·

2 Jun

Impact 3 · · GlobeNewswire

6 May

Impact 3 · · MarketBeat

23 Apr

Impact 4 · · GuruFocus.com
Impact 3 · · MarketBeat

22 Apr

Impact 4 · · Moby

21 Apr

Impact 4 · · Zacks
Impact 4 · · The Motley Fool transcript
Impact 3 · · GlobeNewswire

2 Apr

Impact 3 ·
stockrow.com/ORRF · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com