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
3Y+163.0%
5Y+179.0%
10Y+481.0%
3Y+267.0%
5Y+206.0%
10Y+1120.0%
3Y+106.0%
5Y+148.0%
10Y+379.0%
Orrstown Financial Services, Inc.

Orrstown Financial Services, Inc. Profit Bridge

ORRF ยท NASDAQ
Revenue353.86M
Cost of Goods Sold (103.89M)
Gross Profit249.97M
Operating Expenses (147.26M)
Operating Income102.71M
Interest Expense (103.94M)
Other Income/Expense-75.00K
Pretax Income102.64M
Income Tax (21.78M)
Net Income80.86M
Net Income
80.86M

Profitability Analysis

Gross Margin

70.6%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

29.0%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

22.8%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

21.2%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Orrstown Financial Services, Inc. Income Statement

ORRF โ€ข NASDAQ

Orrstown Financial Services, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
353.9M
284.1M
174.3M
134.3M
121.6M
126.9M
120.5M
85.9M
70.6M
61M
57M
56.2M
53.9M
67.7M
86.1M
81.4M
70.8M
67.7M
66.4M
55.9M
GROSS PROFIT
(103.9M)
(110.2M)
(46.7M)
(13.2M)
(7.8M)
(21.3M)
(24.6M)
(14.3M)
(8.6M)
(5.7M)
(3.7M)
(259K)
(1.9M)
(55.8M)
(69.3M)
(21.6M)
(21.4M)
(20.9M)
(23.7M)
(17.8M)
250M
173.9M
127.6M
121.1M
113.8M
105.5M
96.7M
71.6M
62M
55.3M
53.3M
55.9M
52M
11.9M
16.8M
59.8M
49.4M
46.9M
42.7M
38.1M
OPERATING INCOME
(147.3M)
(146.1M)
(82.6M)
(94.5M)
(72.9M)
(73M)
(76.3M)
(57.1M)
(49.6M)
(47.4M)
(43.8M)
(42.9M)
(42.2M)
(42.4M)
(59.6M)
(36.7M)
(32M)
(28.3M)
(24.9M)
(21.6M)
(90.5M)
(82.6M)
(56M)
(52.3M)
(47.9M)
(46.6M)
(42.8M)
(35.8M)
(33.3M)
(31.6M)
(27.9M)
(27.7M)
(27.9M)
(24M)
(21.2M)
(22.9M)
(20.2M)
(15.9M)
(14.7M)
(13M)
102.7M
27.8M
45M
26.6M
40.9M
32.5M
19.6M
14.4M
12.4M
7.9M
9.5M
13M
9.8M
-30.5M
-42.8M
23.1M
17.4M
18.6M
17.8M
16.5M
PRE-TAX INCOME
(103.9M)
(93.7M)
(45M)
(9M)
(6.7M)
(16M)
(23.7M)
(13.5M)
(7.6M)
(5.4M)
(4.3M)
(4.2M)
(5M)
(7.5M)
(10.8M)
(12.7M)
(16.5M)
(19.4M)
(23M)
(17.4M)
199.8M
155.3M
104.9M
99.6M
87M
83.6M
69.3M
52.2M
43.8M
36.5M
34.3M
34M
32.1M
37.9M
49.6M
45.7M
36.6M
32.9M
30.1M
27.4M
(56.8M)
(63.4M)
(26.6M)
(42.2M)
(25.1M)
(26.4M)
(33.5M)
(21.3M)
(16.2M)
(15.8M)
(15.9M)
(15.2M)
(14.3M)
(18.4M)
(38.4M)
(13.9M)
(11.7M)
(12.4M)
(10.2M)
(8.6M)
-75K
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
102.6M
27.8M
45M
26.6M
40.9M
32.5M
19.6M
14.4M
12.4M
7.9M
9.5M
13M
9.8M
-30.5M
-42.8M
23.1M
17.4M
18.6M
17.8M
16.5M
NET INCOME
(21.8M)
(5.8M)
(9.4M)
(4.6M)
(8M)
(6M)
(2.7M)
(1.6M)
(4.3M)
(1.3M)
(1.6M)
-16.1M
-206K
(8M)
-10.9M
(6.5M)
(4.1M)
(5.5M)
(5.2M)
(4.9M)
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

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