Orrstown Financial Services, Inc.

Orrstown Financial Services, Inc.

ORRFยทNASDAQ

$36.15

-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$710.27M
EPS4.3800
P/E Ratio8.25
Earnings Date07/28/2026
3Y+90.0%
5Y+101.0%
10Y+292.0%
3Y+84.0%
5Y+98.0%
10Y+287.0%
3Y+158.0%
5Y+140.0%
10Y+339.0%
orrf

Orrstown Financial Services, Inc. Funding & Solvency Profile

ORRF ยท NASDAQ
Cash & Cash Equivalents42.08M
Net Receivables21.47M
Inventory0.00
Other Current Assets0.00
Total Current Assets1 B
Property, Plant & Equipment51.03M
Goodwill & Intangible Assets107.74M
Long-Term Investments0.00
Other Non-Current Assets0.00
Total Non-Current Assets51 M
Total Assets
5.54B

Financial Health Analysis

Current Ratio

1.13x

Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.

Debt-to-Equity Ratio

8.37x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

121 M

Positive working capital, but relatively tight. The company should monitor cash flow carefully.

Asset Composition

18% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Orrstown Financial Services, Inc. Balance Sheet

ORRF โ€ข NASDAQ

Orrstown Financial Services, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
42.1M
248.9M
65.2M
60.8M
208.7M
125.3M
56M
71.8M
29.8M
30.3M
28.3M
31.4M
37.6M
150.7M
109.7M
11.3M
14.5M
13.3M
17.9M
21.6M
952.7M
829.7M
513.5M
513.7M
472.4M
466.5M
490.4M
465.8M
415.3M
400.2M
394.1M
376.2M
406.9M
302M
310.4M
2.7M
6.4M
0.0
0.0
0.0
994.8M
1.1B
578.7M
574.6M
681.1M
591.7M
546.8M
537.7M
445.1M
430.4M
422.5M
407.6M
444.5M
452.7M
420M
14.1M
20.9M
13.3M
17.9M
21.6M
21.5M
21.1M
13.6M
11M
8.2M
8.9M
6M
5.9M
5M
4.7M
3.8M
3.1M
3.4M
3.2M
4.5M
5.7M
4.6M
4M
3.5M
3.3M
21.5M
21.1M
13.6M
11M
8.2M
8.9M
6M
5.9M
5M
4.7M
3.8M
3.1M
3.4M
3.2M
4.5M
5.7M
4.6M
4M
3.5M
3.3M
1B
1.1B
592.3M
585.6M
689.4M
600.7M
552.9M
543.6M
450.2M
435.1M
426.3M
410.7M
447.9M
455.8M
424.6M
19.8M
25.5M
17.3M
21.3M
24.9M
NON-CURRENT ASSETS
51M
50.2M
29.4M
29.3M
34M
35.1M
37.5M
38.2M
34.8M
34.9M
24M
24.8M
26.4M
26.8M
27.2M
27.8M
29.6M
31.1M
26M
19.9M
69.8M
68.1M
18.7M
18.7M
18.7M
18.7M
19.9M
12.6M
719K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
38M
47.8M
2.4M
3.1M
4.2M
5.5M
7.2M
3.9M
356K
2.8M
207K
414K
622K
832K
1M
5.7M
4.6M
4M
3.5M
3.3M
107.7M
115.9M
21.1M
21.8M
22.9M
24.2M
27.1M
16.5M
1.1M
0.0
207K
414K
622K
832K
1M
20.7M
20.9M
21.2M
21.4M
21.6M
0.0
3.9B
2.3B
2.1B
2B
2B
1.6B
1.2B
1B
873.4M
774.1M
693.4M
652M
688.4M
924.3M
1.4B
1.1B
941.7M
786.4M
700.9M
33.9M
42.6M
22M
24M
11.6M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
244.1M
124M
124.7M
108.9M
119.3M
126.7M
99.1M
69.5M
71.2M
68.3M
61.2M
50.8M
60.8M
67M
60.7M
54.1M
40.6M
29.9M
41.9M
192.7M
4.3B
2.5B
2.3B
2.1B
2.1B
1.8B
1.4B
1.1B
979.4M
866.5M
779.7M
729.9M
776.8M
1B
1.5B
1.2B
1B
863.6M
784.1M
4.3B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.5B
5.4B
3.1B
2.9B
2.8B
2.8B
2.4B
1.9B
1.6B
1.4B
1.3B
1.2B
1.2B
1.2B
1.4B
1.5B
1.2B
1.1B
885M
809M
LIABILITIES
CURRENT LIABILITIES
0.0
0.0
0.0
0.0
0.0
0.0
0.0
22.8M
17.2M
15.2M
13.9M
11.9M
10.9M
12.8M
10.2M
0.0
0.0
8.8M
8.5M
6.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
22.8M
17.2M
15.2M
13.9M
11.9M
10.9M
12.8M
10.2M
0.0
0.0
8.8M
8.5M
6.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.2M
9.8M
7.6M
8.8M
0.0
0.0
24.5M
25.9M
9.8M
17.3M
23.3M
19.5M
163.1M
64.1M
93.6M
87.9M
89.2M
86.7M
59M
9.7M
35M
87.9M
97.9M
64M
58.1M
41.7M
870.9M
4.6B
2.6B
2.5B
2.5B
2.4B
1.9B
1.6B
1.2B
1.2B
1B
949.7M
1B
1.1B
1.2B
1.2B
915.2M
757.4M
646.4M
638.7M
895.4M
4.6B
2.6B
2.5B
2.5B
2.4B
2B
1.6B
1.3B
1.3B
1.1B
1B
1.1B
1.1B
1.3B
1.3B
1B
838.9M
713M
687.2M
NON-CURRENT LIABILITIES
311.8M
184M
169.6M
138.2M
33.9M
89.9M
241.5M
115.3M
83.8M
24.2M
24.5M
14.8M
16.1M
37.5M
53.8M
65.2M
64.9M
118.3M
75.9M
32.4M
3.7B
91.9M
61M
61.9M
40.8M
38M
-120.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-10.2M
0.0
0.0
-8.8M
0.0
0.0
4.1B
275.9M
230.6M
200M
74.7M
128M
121.4M
115.3M
83.8M
24.2M
24.5M
14.8M
16.1M
37.5M
43.6M
65.2M
64.9M
109.5M
75.9M
32.4M
5B
4.9B
2.8B
2.7B
2.6B
2.5B
2.2B
1.8B
1.4B
1.3B
1.2B
1.1B
1.1B
1.1B
1.3B
1.4B
1.1B
948.4M
788.9M
719.6M
SHAREHOLDERS' EQUITY
-5.6M
-7.8M
-13.7M
-13.5M
-1.8M
-848K
-466K
-236K
-15K
-1M
-829K
-20K
-20K
-20K
-20K
-32K
-702K
-2M
-1.1M
-396K
1M
1M
583K
584K
586K
586K
584K
491K
435K
437K
435K
430K
422K
421K
419K
0.0
0.0
336K
336K
0.0
424.6M
423.3M
189M
189.3M
189.7M
189.1M
188.4M
151.7M
125.5M
124.9M
124.3M
123.4M
123.1M
122.7M
122.5M
121.9M
82.9M
82.9M
82.5M
72.3M
186.8M
126.5M
117.7M
92.5M
78.7M
54.1M
35.2M
24.5M
16M
11.7M
7.9M
1.9M
-27.3M
-37.3M
1.2M
38.7M
28.9M
21.1M
13.9M
16.9M
-15.2M
-26.3M
-28.5M
-39.9M
4.4M
3.3M
-480K
-3M
2.8M
-1.2M
1.2M
1.6M
-4.8M
1.8M
4.1M
-88K
-501K
1.4M
567K
507K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-336K
0.0
0.0
591.5M
516.7M
265.1M
228.9M
271.7M
246.2M
223.2M
173.4M
144.8M
134.9M
133.1M
127.3M
91.4M
87.7M
128.2M
160.5M
110.9M
103.3M
96.1M
89.4M
591.5M
516.7M
265.1M
228.9M
271.7M
246.2M
223.2M
173.4M
144.8M
134.9M
133.1M
127.3M
91.4M
87.7M
128.2M
160.5M
110.9M
103.3M
96.1M
89.4M
SUMMARY
5.5B
5.4B
3.1B
2.9B
2.8B
2.8B
2.4B
1.9B
1.6B
1.4B
1.3B
1.2B
1.2B
1.2B
1.4B
1.5B
1.2B
1.1B
885M
809M
952.7M
4.7B
2.8B
2.7B
2.4B
2.4B
2.1B
1.7B
1.4B
1.3B
1.2B
1.1B
1.1B
990.4M
1.2B
1.4B
1.1B
941.7M
786.4M
700.9M
336.4M
209.9M
179.4M
155.4M
57.2M
109.4M
404.7M
179.4M
177.4M
112M
113.7M
101.6M
75.1M
47.1M
88.8M
153M
162.8M
182.3M
134M
74.1M
294.3M
-39M
114.2M
94.6M
-151.6M
-15.8M
348.7M
107.6M
147.6M
81.8M
85.3M
70.1M
37.5M
-103.6M
-20.9M
141.7M
148.2M
169M
116.2M
52.5M
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800
19,498,800

SEC Filings

ORRF - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 29, 2026
May 29, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 06, 2026
May 05, 2026
2026
8-K

8-K 2026

N/A

May 05, 2026
May 05, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 21, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 27, 2026
March 27, 2026
2026
10-K

10-K 2025 FY

FY

March 12, 2026
December 31, 2025
2025
S-3

S-3

N/A

January 29, 2026
January 29, 2026
ย 
8-K

8-K 2026

N/A

January 28, 2026
January 27, 2026
2026
10-Q

10-Q 2025 Q3

Q3

November 06, 2025
September 30, 2025
2025
Showing 1 to 10 of 485 filings