Orrstown Financial Services Inc
ORRF Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$44.29
KIRA · Stoqly’s AI analyst, in plain words
- Orrstown Financial Services Inc had $37.1M of revenue in fiscal 2025, up 36.0% on the year before. Over five years, revenue changed +17.7% a year on average.
- Orrstown Financial Services Inc made $80.9M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 20.0% a year.
- Orrstown Financial Services Inc returned $20.9M to shareholders in fiscal 2025, 30% of free cash flow. The diluted share count rose 29.8%.
- It earned 14.6% on shareholders’ money. Running costs took 402.3% of revenue (the efficiency ratio; lower is better).
Market cap
$861M
P/E
10.0x
Revenue
$37.1M
Net income
$80.9M
Return on equity
14.6%
Efficiency ratio
402.3%
Orrstown Financial Services Inc in 30 seconds · fiscal 2025
Are sales growing?
+36.0%
Yes. Sales grew 36.0% last year.
Does it make a profit?
217.7%
Yes. It keeps 217.7% of every sale as profit.
How lean are its costs?
402.3%
Costly. Running costs take 402.3% of revenue.
How much does it earn on its capital?
14.6%
Good. It earns 14.6% a year on shareholders’ money.
How is the share priced?
10.0x
One share costs 10.0 times its yearly profit per share.
What Orrstown Financial Services Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Legal name
- ORRSTOWN FINANCIAL SERVICES INC
- CIK
- 0000826154
Orrstown Financial Services Inc · ORRF
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $18.9M | $19.5M | $19.5M | $27.3M | $37.1M |
| Revenue growth | 14.9% | 2.8% | 0.1% | 40.2% | 36.0% |
| Net interest income | $87.0M | $99.6M | $105M | $155M | $200M |
| Net income | $32.9M | $22.0M | $35.7M | $22.1M | $80.9M |
| Net margin | 173.7% | 113.2% | 183.1% | 80.7% | 217.7% |
| Diluted EPS | $2.96 | $2.06 | $3.42 | $1.48 | $4.18 |
| Cash | |||||
| Cash from operations | $40.8M | $36.2M | $43.7M | $35.0M | $74.7M |
| Capital expenditure | $1.3M | $0.9M | $2.3M | $1.6M | $4.2M |
| Free cash flow | $39.6M | $35.3M | $41.4M | $33.4M | $70.5M |
| FCF margin | 208.9% | 181.3% | 212.6% | 122.2% | 189.8% |
| Dividends paid | $8.3M | $8.3M | $8.5M | $13.2M | $20.6M |
| Share buybacks | $1.9M | $14.2M | $2.6M | $0.0M | $0.3M |
| Share count change | 0.7% | −3.6% | −2.5% | 42.9% | 29.8% |
| Debt and strength | |||||
| Cash and short-term investments | $209M | $60.8M | $65.2M | $249M | $150M |
| Debt incl. finance leases | $25.2M | $18.7M | $40.0M | — | — |
| Loans, net | $2.0B | $2.1B | $2.3B | $3.9B | $4.0B |
| Deposits | $2.5B | $2.5B | $2.6B | $4.6B | $4.5B |
| Shareholders' equity | $272M | $229M | $265M | $517M | $592M |
| Returns and quality | |||||
| Return on equity | 12.7% | 8.8% | 14.4% | 5.6% | 14.6% |
| Return on tangible equity | 13.2% | 10.6% | 14.6% | 5.5% | 16.7% |
| Efficiency ratio | 391.6% | 492.1% | 430.4% | 543.1% | 402.3% |
| Piotroski F-score | 5 | 5 | 5 | — | — |
Insiders bought, 12 months
$0.0M
2 insiders
Insiders sold, 12 months
$1.0M
5 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Orrstown Financial Services Inc · ORRF
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $44.29 a share, the company is worth $861M: 10.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000826154). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.