ORRF - NASDAQ
Orrstown Financial Services, Inc.
$36.15
-3.8%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 SnapshotOrrstown Financial Services, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Orrstown Financial Services, Inc. Cash Flow Statement
ORRF • NASDAQ
| Orrstown Financial Services, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
80.9M | 22.1M | 35.7M | 22M | 32.9M | 26.5M | 16.9M | 12.8M | 8.1M | 6.6M | 7.9M | 29.1M | 10M | -38.5M | -32M | 16.6M | 13.4M | 13.1M | 12.6M | 11.6M | |
941K | 9.7M | 4.3M | 4.6M | 5.3M | 6.6M | 5.5M | 3.6M | 3.3M | 3M | 2.9M | 2.8M | 2.8M | 2.6M | 2.8M | 2.9M | 2.6M | 2.3M | 1.8M | 1.7M | |
-289K | -867K | -651K | -591K | 942K | -2M | 1.8M | 543K | 3.1M | -232K | 797K | -16.2M | 0.0 | 20.4M | -15.1M | -2.5M | -916K | -667K | -482K | -493K | |
704K | 8.7M | 2.4M | 2.2M | 1.9M | 2.1M | 1.6M | 1.5M | 1.4M | 958K | 740K | 190K | 129K | 23K | 41K | 388K | 117K | 123K | 0.0 | 0.0 | |
-2.1M | 1.8M | 6.1M | 1.3M | 1.7M | -1.1M | -12.7M | 2.2M | -1.1M | 5.5M | -1.4M | 1.2M | 15.3M | 36.4M | 78.1M | 10.6M | -1.9M | 372K | -633K | 1.3M | |
(9.1M) | (9.6M) | (7.5M) | (4.9M) | (4.4M) | (550K) | (0.0) | (60K) | (1.6M) | (1.3M) | (800K) | (0.0) | (0.0) | (1.3M) | (3.7M) | (9.4M) | (4.4M) | (6.4M) | (0.0) | (0.0) | |
-5.4M | -6.4M | -4.1M | 6.7M | -1.9M | -1.9M | -4M | 1.8M | 1.6M | -266K | 1.3M | 126K | 4.8M | -2.3M | 1.7M | -3.2M | -747K | -985K | -644K | -843K | |
74.7M | 35M | 43.7M | 36.2M | 40.8M | 30.2M | 9.1M | 22.5M | 16.4M | 15.6M | 12.2M | 17.3M | 33M | 18.7M | 34.9M | 24.8M | 12.5M | 14.2M | 12.6M | 13.3M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -1.6M | -2.3M | -895K | -1.3M | -1.3M | -2.9M | -4.8M | -2.7M | -13.4M | -1.5M | -859K | -1.9M | -1.6M | -1.4M | -610K | -787K | -7.5M | -7.7M | -5.2M | |
(0.0) | (45.3M) | -17.6M | (0.0) | (0.0) | (0.0) | (29.4M) | (12.4M) | (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) | -235.7M | -46.4M | -181.5M | -195M | -26.7M | -190.5M | -226.6M | -205.7M | -108.4M | -122.7M | -175M | -282.9M | -176.8M | -97.6M | -518.1M | -229M | -127.9M | -48.1M | -5.8M | |
0.0 | 238.7M | 57M | 82.8M | 189.2M | 56.2M | 230.5M | 176.2M | 191.1M | 94.9M | 97.9M | 211.1M | 160.9M | 183.3M | 227.6M | 283.6M | 150.8M | 95.6M | 43.7M | 15.9M | |
-182M | 14.3M | -143.9M | -171.4M | 5.1M | -320.8M | -48M | -95.1M | -128.6M | -102M | -81.1M | -34.5M | 34.2M | 190.8M | -33.6M | -87.8M | -72.6M | -118.8M | -82.5M | -77.6M | |
-182M | (61M) | -153.2M | -271M | -2M | -292.6M | (18.5M) | -139.4M | -145.9M | -128.9M | -107.3M | (727K) | -89.7M | (195.7M) | (95M) | -322.9M | -151.5M | -158.5M | -94.8M | -72.6M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-2.1M | -2.4M | -3M | -14.5M | -2.4M | -1.9M | -1.8M | -651K | 0.0 | -526K | -619K | 105K | 253K | 189K | 980K | 39M | 1.6M | -954K | -749K | -277K | |
125.6M | -14.4M | 23.9M | 98.2M | -52.3M | -140.4M | 19M | 2M | 65.4M | -1.6M | 12.1M | 26.4M | 28M | -41.7M | -64.2M | -9.7M | -19.5M | 42.4M | 59.9M | -2.3M | |
-20.6M | -13.2M | -8.5M | -8.3M | -8.3M | -7.6M | -6.2M | -4.4M | -3.5M | -2.9M | -1.8M | (0.0) | (0.0) | (0.0) | -5.5M | -6.8M | -5.6M | -5.6M | -5.3M | -4.7M | |
-2.3M | -2.4M | -3M | -14.5M | -2.4M | -1.9M | -1.8M | -651K | (0.0) | -631K | -809K | (0.0) | (0.0) | (0.0) | -54K | -221K | -71K | -1.4M | -937K | -543K | |
-94.7M | 117.7M | 101.4M | 11.4M | 107.6M | 481.4M | -71.5M | 179M | 67.2M | 120.4M | 82.7M | -50.7M | -84.6M | -131.9M | 28.5M | 273.2M | 157.8M | 116.8M | 7.6M | 70.4M | |
8.1M | 87.8M | 113.9M | 86.9M | 44.7M | 331.5M | -60.4M | 175.9M | 129.1M | 115.2M | 92.1M | -24.1M | -56.4M | -173.4M | -40.3M | 295.6M | 134.2M | 152.7M | 61.4M | 63.2M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-99.1M | 183.7M | 4.3M | -147.9M | 83.5M | 69.3M | -32.9M | 59M | -466K | 1.9M | -3.1M | -6.2M | -113.1M | 41M | 89.5M | -2.4M | -4.9M | 8.4M | -20.7M | 3.8M | |
248.9M | 65.2M | 60.8M | 208.7M | 125.3M | 56M | 88.8M | 29.8M | 30.3M | 28.3M | 31.4M | 37.6M | 150.7M | 109.7M | 20.1M | 22.5M | 26.8M | 18.4M | 39.1M | 35.3M | |
149.8M | 248.9M | 65.2M | 60.8M | 208.7M | 125.3M | 56M | 88.8M | 29.8M | 30.3M | 28.3M | 31.4M | 37.6M | 150.7M | 109.7M | 20.1M | 21.9M | 26.8M | 18.4M | 39.1M | |
70.5M | 33.4M | 41.4M | 35.3M | 39.6M | 28.9M | 6.2M | 17.7M | 13.7M | 2.2M | 10.7M | 16.4M | 31.1M | 17.1M | 33.4M | 24.2M | 11.7M | 6.7M | 4.9M | 8.1M |
SEC Filings
ORRF - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 | ||
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 |
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