Orrstown Financial Services Inc (ORRF) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Orrstown Financial Services reported revenue of $252.1M, up 30.8% from $192.7M the year before. Net income was $80.9M (a 32.1% net margin), or $4.18 per diluted share. Net interest income was $199.8M, and the efficiency ratio (noninterest expense / revenue) was 59.3%. Operating activities generated $74.7M of cash, leaving $70.5M of free cash flow. At fiscal year end, Orrstown Financial Services held $5.54B in total assets against $4.95B in total liabilities.
Open the full interactive Orrstown Financial Services financials → Quarterly statements, key ratios, valuation history and price charts.
Orrstown Financial Services Key Stats
| Share Price | $41.18 |
|---|---|
| Market Cap | $800.2M |
| P/E Ratio | 9.9 |
| Dividend Yield | 2.78% |
| Revenue YoY Growth | +30.8% |
| 52-Week Range | $31.15 – $43.48 |
| Shares Outstanding | 19.3 million (basic, 2026 Q2) |
Orrstown Financial Services Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $83.6M | $87.0M | $99.6M | $104.9M | $155.3M | $199.8M |
| Provision for Credit Losses | $5.3M | $1.1M | $4.2M | $1.7M | $16.5M | $126,000 |
| Noninterest Income | $28.3M | $29.2M | $27.0M | $25.7M | $37.4M | $52.3M |
| Noninterest Expense | $74.1M | $74.1M | $95.8M | $83.8M | $148.3M | $149.4M |
| Revenue | $111.9M | $116.1M | $126.6M | $130.6M | $192.7M | $252.1M |
| Pre-Tax Income | $32.5M | $40.9M | $26.6M | $45.0M | $27.8M | $102.6M |
| Income Tax | $6.0M | $8.0M | $4.6M | $9.4M | $5.8M | $21.8M |
| Net Income | $26.5M | $32.9M | $22.0M | $35.7M | $22.1M | $80.9M |
| Diluted EPS | $2.40 | $2.96 | $2.06 | $3.42 | $1.48 | $4.18 |
Orrstown Financial Services Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $64.4M | $64.9M | $64.6M | $62.7M |
| Net Income | $21.9M | $21.5M | $21.8M | $21.2M |
| Diluted EPS | $1.13 | $1.11 | $1.12 | $1.09 |
Orrstown Financial Services Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $1.96B | $1.96B | $2.13B | $2.27B | $3.88B | $3.97B |
| Total Assets | $2.75B | $2.83B | $2.92B | $3.06B | $5.44B | $5.54B |
| Deposits | $2.36B | $2.46B | $2.48B | $2.56B | $4.62B | $4.53B |
| Total Long-Term Debt | $2.3M | $1.9M | $1.5M | $40.0M | $108.7M | $97.1M |
| Total Liabilities | $2.50B | $2.56B | $2.69B | $2.80B | $4.92B | $4.95B |
| Shareholders' Equity | $246.2M | $271.7M | $228.9M | $265.1M | $516.7M | $591.5M |
Orrstown Financial Services Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $30.2M | $40.8M | $36.2M | $43.7M | $35.0M | $74.7M |
| Cash From Investing | -$292.3M | -$2.0M | -$271.0M | -$153.2M | $61.0M | -$182.0M |
| Cash From Financing | $331.5M | $44.7M | $86.9M | $113.9M | $87.8M | $8.1M |
| Free Cash Flow | $28.9M | $39.6M | $35.3M | $41.4M | $33.4M | $70.5M |
| Dividends Paid | $7.6M | $8.3M | $8.3M | $8.5M | $13.2M | $20.6M |
Figures from Orrstown Financial Services' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Orrstown Financial Services financials page for every line item.
Orrstown Financial Services Company Profile
| Ticker | ORRF |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Harrisburg, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000826154 |
Frequently Asked Questions
What was Orrstown Financial Services' revenue in fiscal 2025?
Orrstown Financial Services (ORRF) reported revenue of $252.1M for fiscal 2025.
What is Orrstown Financial Services' annual revenue history?
Orrstown Financial Services' annual revenue by fiscal year: 2020: $111.9M; 2021: $116.1M; 2022: $126.6M; 2023: $130.6M; 2024: $192.7M; 2025: $252.1M.
What was Orrstown Financial Services' net income in fiscal 2025?
Orrstown Financial Services reported net income of $80.9M for fiscal 2025.
What was Orrstown Financial Services' earnings per share (EPS) in fiscal 2025?
Orrstown Financial Services' diluted EPS was $4.18 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Orrstown Financial Services generate in fiscal 2025?
Orrstown Financial Services generated $70.5M of free cash flow in fiscal 2025.
What was Orrstown Financial Services' revenue last quarter?
In its most recent reported quarter (2026 Q2), Orrstown Financial Services reported revenue of $62.7M.
How much debt does Orrstown Financial Services have?
Orrstown Financial Services reported $97.1M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Orrstown Financial Services are outstanding?
Orrstown Financial Services reported a weighted average of 19.3 million basic shares outstanding in 2026 Q2.
What is Orrstown Financial Services' market cap?
Based on its latest closing price, Orrstown Financial Services (ORRF) has a market capitalization of about $800.2M.
When does Orrstown Financial Services' fiscal year end?
Orrstown Financial Services' fiscal year end, as registered with the SEC, is December 31.
Where is Orrstown Financial Services headquartered?
Orrstown Financial Services lists its business address in Harrisburg, Pennsylvania in its SEC filings.