Orrstown Financial Services, Inc.

Orrstown Financial Services, Inc.

ORRFยทNASDAQ

$37.58

-3.8%
Financial ServicesBanks - Regional

Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits. It also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans comprising home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, the company provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as provides other fiduciary services under the Orrstown Financial Advisors name; and offers retail brokerage services through a third-party broker/dealer arrangement. Further, it offers investment advisory, insurance, and brokerage services. The company operates through offices in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York counties, Pennsylvania; and Anne Arundel, Baltimore, Howard, and Washington counties, Maryland, as well as Baltimore City, Maryland. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$738.36M
EPS4.3800
P/E Ratio7.29
Earnings Date07/28/2026
0.83%
Dividend Yield
-7%
3Y-19.0%
5Y+2.0%
10Y+64.0%
26.51%
Dividend Payout Ratio
8%
3Y+14.0%
5Y+35.0%
10Y-76.0%
3Y+161.0%
5Y+177.0%
10Y+693.0%
Orrstown Financial Services, Inc.

Orrstown Financial Services, Inc. Dividend History

ORRF ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

ORRF Dividend Payment History

ORRF ยท NASDAQ

Total Payments

50

Latest Dividend

$0.3000

Annual Amount

$1.4000

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
Apr 20, 2026
May 5, 2026May 12, 2026
$0.3000
$0.3000
Quarterly0.00%
Jan 22, 2026
Feb 10, 2026Feb 17, 2026
$0.3000
$0.3000
Quarterly+11.11%
Oct 20, 2025
Nov 5, 2025Nov 12, 2025
$0.2700
$0.2700
Quarterly0.00%
Jul 21, 2025
Aug 5, 2025Aug 12, 2025
$0.2700
$0.2700
Quarterly+3.85%
Apr 22, 2025
May 6, 2025May 13, 2025
$0.2600
$0.2600
Quarterly0.00%
Jan 31, 2025
Feb 14, 2025Feb 21, 2025
$0.2600
$0.2600
Quarterly+13.04%
Oct 22, 2024
Nov 5, 2024Nov 12, 2024
$0.2300
$0.2300
Quarterly0.00%
Jul 17, 2024
Aug 8, 2024Aug 15, 2024
$0.2300
$0.2300
Quarterly+15.00%
Apr 23, 2024
May 7, 2024May 14, 2024
$0.2000
$0.2000
Quarterly0.00%
Jan 22, 2024
Feb 6, 2024Feb 13, 2024
$0.2000
$0.2000
Quarterly0.00%
Oct 24, 2023
Nov 7, 2023Nov 14, 2023
$0.2000
$0.2000
Quarterly0.00%
Jul 25, 2023
Aug 8, 2023Aug 15, 2023
$0.2000
$0.2000
Quarterly0.00%
Apr 25, 2023
May 9, 2023May 16, 2023
$0.2000
$0.2000
Quarterly0.00%
Jan 24, 2023
Feb 7, 2023Feb 14, 2023
$0.2000
$0.2000
Quarterly+5.26%
Oct 18, 2022
Oct 31, 2022Nov 7, 2022
$0.1900
$0.1900
Quarterly0.00%
Jul 19, 2022
Aug 1, 2022Aug 8, 2022
$0.1900
$0.1900
Quarterly0.00%
Apr 19, 2022
May 2, 2022May 9, 2022
$0.1900
$0.1900
Quarterly0.00%
Jan 19, 2022
Feb 1, 2022Feb 8, 2022
$0.1900
$0.1900
Quarterly0.00%
Oct 19, 2021
Nov 1, 2021Nov 8, 2021
$0.1900
$0.1900
Quarterly0.00%
Jul 20, 2021
Aug 2, 2021Aug 9, 2021
$0.1900
$0.1900
Quarterly+5.56%
Apr 20, 2021
May 3, 2021May 10, 2021
$0.1800
$0.1800
Quarterly0.00%
Jan 20, 2021
Feb 1, 2021Feb 8, 2021
$0.1800
$0.1800
Quarterly+5.88%
Oct 20, 2020
Nov 2, 2020Nov 9, 2020
$0.1700
$0.1700
Quarterly0.00%
Jul 21, 2020
Aug 3, 2020Aug 10, 2020
$0.1700
$0.1700
Quarterly0.00%
Apr 21, 2020
May 4, 2020May 11, 2020
$0.1700
$0.1700
Quarterly0.00%
Jan 21, 2020
Feb 3, 2020Feb 10, 2020
$0.1700
$0.1700
Quarterly+13.33%
Oct 23, 2019
Nov 4, 2019Nov 12, 2019
$0.1500
$0.1500
Quarterly0.00%
Jul 24, 2019
Aug 5, 2019Aug 12, 2019
$0.1500
$0.1500
Quarterly0.00%
Apr 18, 2019
Apr 30, 2019May 7, 2019
$0.1500
$0.1500
Quarterly0.00%
Jan 23, 2019
Feb 4, 2019Feb 11, 2019
$0.1500
$0.1500
Quarterly+15.38%
Oct 17, 2018
Oct 29, 2018Nov 5, 2018
$0.1300
$0.1300
Quarterly0.00%
Jul 18, 2018
Jul 28, 2018Aug 3, 2018
$0.1300
$0.1300
Quarterly0.00%
Apr 18, 2018
Apr 24, 2018May 2, 2018
$0.1300
$0.1300
Quarterly+8.33%
Jan 24, 2018
Feb 3, 2018Feb 9, 2018
$0.1200
$0.1200
Quarterly0.00%
Oct 25, 2017
Nov 6, 2017Nov 15, 2017
$0.1200
$0.1200
Quarterly+20.00%
Jul 27, 2017
Aug 8, 2017Aug 15, 2017
$0.1000
$0.1000
Quarterly0.00%
Apr 27, 2017
May 8, 2017May 15, 2017
$0.1000
$0.1000
Quarterly0.00%
Jan 26, 2017
Feb 10, 2017Feb 17, 2017
$0.1000
$0.1000
Quarterly+11.11%
Oct 27, 2016
Nov 9, 2016Nov 18, 2016
$0.0900
$0.0900
Quarterly0.00%
Jul 28, 2016
Aug 10, 2016Aug 19, 2016
$0.0900
$0.0900
Quarterly0.00%
Apr 28, 2016
May 11, 2016May 20, 2016
$0.0900
$0.0900
Quarterly+12.50%
Jan 28, 2016
Feb 10, 2016Feb 19, 2016
$0.0800
$0.0800
Quarterly0.00%
Oct 22, 2015
Nov 4, 2015Nov 13, 2015
$0.0800
$0.0800
Quarterly+14.29%
Jul 23, 2015
Aug 7, 2015Aug 20, 2015
$0.0700
$0.0700
Quarterly0.00%
Apr 27, 2015
May 8, 2015May 21, 2015
$0.0700
$0.0700
Quarterly-69.57%
Jul 28, 2011
Aug 12, 2011Aug 24, 2011
$0.2300
$0.2300
Quarterly0.00%
Apr 28, 2011
May 13, 2011May 25, 2011
$0.2300
$0.2300
Quarterly0.00%
Jan 27, 2011
Feb 11, 2011Feb 23, 2011
$0.2300
$0.2300
Quarterly+2.22%
Oct 28, 2010
Nov 12, 2010Nov 24, 2010
$0.2250
$0.2250
Quarterly0.00%
Jul 22, 2010
Aug 6, 2010Aug 18, 2010
$0.2250
$0.2250
Quarterly-
orrf

Orrstown Financial Services, Inc. Payout Ratio Analysis

ORRF ยท NASDAQ
Dividends Paid
-20.64M
2025
Net Income
80.86M
2025
Payout Ratio
25.53%
2025

Dividend Sustainability Analysis

Payout Ratio
25.53%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
29.3%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-56.7%

Significant dividend reduction signals serious challenges. Company prioritizing financial stability over shareholder returns. High risk of further cuts.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.

Key Insight

Recent dividend cut signals distress: Management forced to reduce payout, indicating financial pressure. Evaluate whether business challenges are temporary or structural before reinvesting.