Saturday 17 October 2026 Export ORRF’s income statement to Excel — free account

Orrstown Financial Services Inc

Orrstown Financial Services Inc’s revenue for fiscal 2025 (year ended December 2025) was $356.0 million, up 24.3% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 8.91%, free cash flow fell 5.50% and total debt fell 88.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

41.66 0.17 +0.41%

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Market cap: $816.1M
P/E: 9.3×
Fwd P/E: 8.8×
Dividend yield: 2.81%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.05

Total sells 0.99

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	1	1	—	—	—	—	—	—	—
Sell	—	—	—	2	1	—	—	—	1	1	—	—

Insider Ownership 3.17%

Capital & Financial Ratios $m

Market Cap 816.09

Revenue 359.64

Net Income 86.32

Free Cash Flow 85.69

Net Debt (164.22)

Current Ratio 0.87

Debt/Equity 0.01

P/E ratio 9.28

Fwd P/E 8.81

P/S ratio 2.24

P/B ratio 1.29

Past 5Y EPS Growth 11.74%

This Y EPS Growth 0.83%

Next Y EPS Growth 1.95%

Next Y revenue growth (42.59%)

Next 5Y EPS Growth 2.28%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 40.14%

10-year low 10-year high

P/S against its own 10 years 68.41%

10-year low 10-year high

P/B against its own 10 years 80.46%

10-year low 10-year high

Dividends

Payout Ratio 0.26

Annual Dividend Rate 1.17

Annual Dividend Yield 2.81%

	total	individual payouts
2027	Powerpack
2026	1.20	0.30 0.30 0.30
2025	1.06	0.26 0.26 0.27 0.27
2024	0.86	0.20 0.20 0.23 0.23
2023	0.80	0.20 0.20 0.20 0.20
2022	0.76	0.19 0.19 0.19 0.19
2021	0.74	0.18 0.18 0.19 0.19
2020	0.68	0.17 0.17 0.17 0.17
2019	0.60	0.15 0.15 0.15 0.15
2018	0.51	0.12 0.13 0.13 0.13
2017	0.42	0.10 0.10 0.10 0.12
2016	0.35	0.08 0.09 0.09 0.09

predictions special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	16.60	19.05	18.10	17.30	11.40	16.28	21.81	15.52	24.70	25.57	Analyst estimates 2026–2028 Powerpack
	High	23.75	26.95	27.05	23.48	22.88	25.91	28.42	29.79	41.99	38.38
People
People	Employees	327	338	386	460	418	429	419	425	630	652
	Revenue/emp, $m	0.19	0.21	0.22	0.26	0.31	0.29	0.32	0.41	0.45	0.55
Income, $m
Income, $m	Revenue	62	71	87	122	128	123	136	176	286	356
	Gross margin, %	91.22	89.29	84.42	80.50	87.48	94.53	93.35	74.37	67.29	70.81
	EBT	8	12	14	20	33	41	27	45	28	103
	EBT margin, %	12.79	17.41	16.66	16.16	25.41	33.29	19.63	25.65	9.71	28.83
	Net income	7	8	13	17	26	33	22	36	22	81
	Depreciation	8	7	5	3	2	5	7	6	(3)	(8)
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
	Earnings	0.82	1.00	1.53	1.63	2.42	3.00	2.09	3.45	1.49	4.21
	Cash flow	1.93	2.03	2.69	0.88	2.76	3.72	3.43	4.23	2.37	3.89
	Capex	(1.66)	(0.33)	(0.57)	(0.28)	(0.12)	(0.11)	(0.08)	(0.22)	(0.11)	(0.22)
	Free cash flow	0.28	1.70	2.12	0.60	2.64	3.61	3.34	4.01	2.26	3.67
	Book value	16.73	17.94	20.75	21.55	22.50	24.77	21.69	25.63	35.00	30.81
	Shares, m	8	8	8	10	11	11	11	10	15	19
Valuation, ×
Valuation, ×	P/E	27.56	24.49	11.53	13.96	6.87	8.40	11.22	8.53	19.58	8.41
	P/S	2.95	2.77	1.76	1.93	1.42	2.25	1.81	1.73	1.89	1.91
	P/B	1.35	1.37	0.88	1.05	0.74	1.02	1.07	1.14	1.05	1.15
	EV/Sales	2.72	3.39	1.94	1.60	0.60	0.75	1.52	1.47	1.19	1.52
	EV/FCF	75.77	17.65	9.49	31.41	2.67	2.34	5.84	6.23	10.19	7.67
Cash, $m
Cash, $m	Operating cash flow	16	16	22	9	30	41	36	44	35	75
	Capex	(13)	(3)	(5)	(3)	(1)	(1)	(1)	(2)	(2)	(4)
	Free cash flow	2	14	18	6	29	40	35	41	33	71
Balance, $m
Balance, $m	Working capital	(339)	(282)	(280)	(376)	(318)	(298)	(380)	(340)	(585)	(651)
	Total debt	24	84	115	32	32	32	32	32	69	37
	Net debt	(14)	44	16	(40)	(104)	(184)	(39)	(45)	(200)	(139)
	Shareholders’ equity	135	145	173	223	246	272	229	265	517	592
Returns, %
Returns, %	ROA	0.49	0.54	0.73	0.78	1.03	1.18	0.77	1.19	0.52	1.47
	ROIC	4.08	4.11	5.83	9.77	14.28	29.16	8.78	13.09	9.98	14.55
	ROE	4.95	5.79	8.05	8.53	11.27	12.70	8.81	14.44	5.64	14.59

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
SMBK SmartFinancial, Inc.	$861.9M	14.9×	11.5×	+9.67% (above 0%: growing)	+38.57% (above 0%: growing)	+68.13% (above 0%: growing)	65.11%	0.00%	Compare
EGBN Eagle Bancorp, Inc.	$854.2M	— (loss-making)	15.8×	−13.00% (below 0%: shrinking)	n/m	+207.40% (above 0%: growing)	53.23%	0.00%	Compare
GSBC Great Southern Bancorp, Inc.	$846.0M	12.9×	12.9×	−10.48% (below 0%: shrinking)	−16.18% (below 0%: shrinking)	−93.70% (below 0%: shrinking)	71.23%	0.00%	Compare
CCBG Capital City Bank Group	$836.5M	13.6×	12.5×	+1.35% (above 0%: growing)	+7.95% (above 0%: growing)	−75.79% (below 0%: shrinking)	89.45%	0.00%	Compare
ORRF Orrstown Financial Services Inc	$816.1M	9.3×	8.8×	+0.90% (above 0%: growing)	+8.91% (above 0%: growing)	−5.50% (below 0%: shrinking)	70.78%	0.00%
SPFI South Plains Financial, Inc.	$809.1M	11.4×	11.7×	+16.84% (above 0%: growing)	+10.00% (above 0%: growing)	+104.00% (above 0%: growing)	72.34%	0.00%	Compare
IBCP Independent Bank Corp.	$783.4M	10.2×	10.0×	+5.66% (above 0%: growing)	+12.35% (above 0%: growing)	−1.00% (below 0%: shrinking)	76.53%	0.00%	Compare
HTB HomeTrust Bancshares, Inc.	$776.1M	12.2×	12.9×	−4.58% (below 0%: shrinking)	−5.94% (below 0%: shrinking)	+417.30% (above 0%: growing)	77.45%	0.00%	Compare
FISI Financial Institutions, Inc.	$773.9M	9.6×	9.2×	+0.58% (above 0%: growing)	+24.71% (above 0%: growing)	+397.95% (above 0%: growing)	68.40%	0.00%	Compare
Median of peers	$822.8M	12.2×	12.1×	+0.96%	+10.00%	+86.07%	71.79%	0.00%

All 323 Banks Regional stocks →

Orrstown Financial Services Inc (ORRF) key facts

Strength: Orrstown Financial Services Inc’s revenue for fiscal 2025 (year ended December 2025) was $356.0 million, up 24.3% from fiscal 2024.
Orrstown Financial Services Inc (ORRF) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, ORRF traded at $41.66, a market capitalization of $816.1 million.
Orrstown Financial Services Inc pays an annual dividend of $1.17 per share, a yield of 2.81%, with a payout ratio of 26.3%.
Return on equity was 14.6% and debt-to-equity 0.01.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.