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Orrstown Financial Services, Inc.(ORRF)Earnings, Financials & Key Ratios
ORRF•NASDAQ•Banking & Credit
$36.96
$725M mkt cap·8.5× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutOrrstown 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.Show more
- Net Interest Income$200M+28.7%
- Total Revenue$354M+24.6%
- Net Income$81M+266.7%
- Return on Equity14.59%+158.7%
- Net Interest Margin3.6%+26.3%
- Efficiency Ratio41.61%-19.1%
- ROA1.47%+184.0%
- Equity / Assets10.67%+12.4%
- Book Value per Share35.30+1.9%
- Tangible BV/Share28.87+7.4%
- Debt/Equity0.57+40.0%
ORRF Key Insights
Orrstown Financial Services, Inc. (ORRF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 25.0%
- ✓Strong NIM of 3.6%
- ✓Efficient operations: 41.6% efficiency ratio
- ✓10 consecutive years of dividend growth
- ✓Well capitalized: 10.7% equity/assets
- ✓Healthy dividend yield of 3.3%
✗Weaknesses
- ✗Shares diluted 12.4% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
ORRF Price & Volume
Orrstown Financial Services, Inc. (ORRF) stock price & volume — 10-year historical chart
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ORRF Growth Metrics
Orrstown Financial Services, Inc. (ORRF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years20.03%
5 Years22.77%
3 Years38.11%
TTM-
Profit CAGR
10 Years26.23%
5 Years25.03%
3 Years54.24%
TTM266.69%
EPS CAGR
10 Years16.19%
5 Years12.63%
3 Years28.29%
TTM136.41%
Return on Capital
10 Years6.83%
5 Years7.21%
3 Years5.95%
Last Year3.78%
ORRF Recent Earnings
Orrstown Financial Services, Inc. (ORRF) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (100%)●Beat Revenue 9/12 qtrs (100%)
Q2 2026Latest
Apr 21, 2026EPS
$1.12
Est $1.05
+6.7%
Revenue
$65M
Est $63M
+2.8%
Q2 2026
Mar 12, 2026EPS
$1.28
Revenue
$91M
Q1 2026
Jan 27, 2026EPS
$1.11
Est $1.08
+2.8%
Revenue
$65M
Est $64M
+1.5%
Q4 2025
Oct 21, 2025EPS
$1.13
Est $1.06
+6.6%
Revenue
$63M
Est $52M
+23.2%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $1.12vs $1.05+6.7% | $65Mvs $63M+2.8% |
| Q2 2026 | Mar 12, 2026 | $1.28 | $91M |
| Q1 2026 | Jan 27, 2026 | $1.11vs $1.08+2.8% | $65Mvs $64M+1.5% |
| Q4 2025 | Oct 21, 2025 | $1.13vs $1.06+6.6% | $63Mvs $52M+23.2% |
Based on last 12 quarters of dataView full earnings history →
ORRF Peer Comparison
Orrstown Financial Services, Inc. (ORRF) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 FXNC | 248.63M | 27.50 | 14.03 | 27.11% | 9.98% | 0.23 | ||
 MNSB | 175.12M | 23.36 | 13.27 | -1.44% | 7.26% | 0.32 | ||
 NKSH | 233.78M | 36.71 | 14.74 | 7.88% | 9.04% | 0.01 | ||
 FUNC | 243.7M | 37.51 | 11.91 | 16.94% | 12.52% | 1.05 | ||
 ACNB | 551.12M | 53.23 | 14.79 | 28.89% | 9.2% | 0.78 | ||
 FRAF | 257.03M | 57.22 | 12.07 | 17.32% | 13.06% | 1.23 | ||
 PFIS | 589.34M | 58.90 | 10.02 | 22.26% | 11.81% | 0.50 |
Compare ORRF vs Peers
Orrstown Financial Services, Inc. (ORRF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ORRF Income Statement
Orrstown Financial Services, Inc. (ORRF) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 43.81M | 52.16M | 69.3M | 83.61M | 86.97M | 99.63M | 104.91M | 155.25M | 199.79M |
| NII Growth % | 19.88% | 19.06% | 32.86% | 20.65% | 4.03% | 14.55% | 5.3% | 47.99% | 28.69% |
| Net Interest Margin % | 2.81% | 2.7% | 2.91% | 3.04% | 3.07% | 3.41% | 3.42% | 2.85% | 3.6% |
| Interest Income | 51.45M | 65.67M | 92.99M | 99.63M | 93.69M | 108.65M | 149.9M | 248.93M | 303.73M |
| Interest Expense | 7.64M | 13.47M | 23.7M | 16.02M | 6.72M | 9.02M | 44.99M | 93.68M | 103.94M |
| Loan Loss Provision | 1M | 843K | 900K | 5.33M | 1.09M | 4.19M | 1.68M | 16.55M | -49K |
| Non-Interest Income | 19.18M | 20.22M | 27.52M | 27.25M | 27.95M | 25.66M | 24.4M | 35.15M | 50.13M |
| Non-Interest Income % | 27.16% | 23.54% | 22.84% | 21.48% | 22.98% | 19.11% | 14% | 12.37% | 14.17% |
| Total Revenue | 70.64M▲ 0% | 85.89M▲ 21.6% | 120.52M▲ 40.3% | 126.88M▲ 5.3% | 121.64M▼ 4.1% | 134.32M▲ 10.4% | 174.3M▲ 29.8% | 284.09M▲ 63.0% | 353.86M▲ 24.6% |
| Revenue Growth % | 15.88% | 21.59% | 40.32% | 5.28% | -4.13% | 10.42% | 29.76% | 62.99% | 24.56% |
| Non-Interest Expense | 49.56M | 57.13M | 76.28M | 73.02M | 72.94M | 94.49M | 82.59M | 146.06M | 147.26M |
| Efficiency Ratio | 70.17% | 66.52% | 63.3% | 57.55% | 59.96% | 70.35% | 47.39% | 51.41% | 41.61% |
| Operating Income | 12.43M▲ 0% | 14.45M▲ 16.2% | 19.63M▲ 35.9% | 32.51M▲ 65.6% | 40.9M▲ 25.8% | 26.62M▼ 34.9% | 45.03M▲ 69.2% | 27.81M▼ 38.3% | 102.71M▲ 269.4% |
| Operating Margin % | 17.59% | 16.82% | 16.29% | 25.62% | 33.62% | 19.82% | 25.84% | 9.79% | 29.03% |
| Operating Income Growth % | 57.44% | 16.23% | 35.92% | 65.59% | 25.79% | -34.92% | 69.2% | -38.25% | 269.39% |
| Pretax Income | 12.43M▲ 0% | 14.45M▲ 16.2% | 19.63M▲ 35.9% | 32.51M▲ 65.6% | 40.9M▲ 25.8% | 26.62M▼ 34.9% | 45.03M▲ 69.2% | 27.81M▼ 38.3% | 102.64M▲ 269.1% |
| Pretax Margin % | 17.59% | 16.82% | 16.29% | 25.62% | 33.62% | 19.82% | 25.84% | 9.79% | 29% |
| Income Tax | 4.34M | 1.64M | 2.71M | 6.05M | 8.01M | 4.58M | 9.37M | 5.76M | 21.78M |
| Effective Tax Rate % | 34.91% | 11.35% | 13.8% | 18.6% | 19.6% | 17.2% | 20.81% | 20.7% | 21.22% |
| Net Income | 8.09M▲ 0% | 12.8M▲ 58.3% | 16.92M▲ 32.2% | 26.46M▲ 56.4% | 32.88M▲ 24.3% | 22.04M▼ 33.0% | 35.66M▲ 61.8% | 22.05M▼ 38.2% | 80.86M▲ 266.7% |
| Net Margin % | 11.45% | 14.91% | 14.04% | 20.86% | 27.03% | 16.41% | 20.46% | 7.76% | 22.85% |
| Net Income Growth % | 22.06% | 58.28% | 32.17% | 56.36% | 24.25% | -32.98% | 61.83% | -38.17% | 266.69% |
| Net Income (Continuing) | 8.09M | 12.8M | 16.92M | 26.46M | 32.88M | 22.04M | 35.66M | 22.05M | 80.86M |
| EPS (Diluted) | 0.98▲ 0% | 1.50▲ 53.1% | 1.61▲ 7.3% | 2.40▲ 49.1% | 2.96▲ 23.3% | 2.06▼ 30.4% | 3.42▲ 66.0% | 1.48▼ 56.7% | 4.35▲ 193.9% |
| EPS Growth % | 20.99% | 53.06% | 7.33% | 49.07% | 23.33% | -30.41% | 66.02% | -56.73% | 193.92% |
| EPS (Basic) | 1.00 | 1.53 | 1.63 | 2.42 | 3.00 | 2.09 | 3.45 | 1.49 | 4.38 |
| Diluted Shares Outstanding | 8.23M | 8.54M | 10.51M | 11.03M | 11.11M | 10.71M | 10.44M | 14.91M | 16.76M |
ORRF Balance Sheet
Orrstown Financial Services, Inc. (ORRF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 445.12M | 537.66M | 546.85M | 591.72M | 681.15M | 574.55M | 578.68M | 1.08B | 994.82M |
| Cash & Due from Banks | 29.81M | 71.82M | 55.96M | 125.26M | 208.71M | 60.82M | 65.16M | 248.87M | 42.08M |
| Short Term Investments | 415.31M | 465.84M | 490.39M | 466.46M | 472.44M | 513.73M | 513.52M | 829.71M | 952.74M |
| Total Investments | 1.42B | 1.7B | 2.13B | 2.44B | 2.44B | 2.65B | 2.79B | 4.72B | 952.74M |
| Investments Growth % | 11.39% | 20.03% | 25.08% | 14.45% | 0.1% | 8.63% | 5.22% | 69.2% | -79.81% |
| Long-Term Investments | 1B | 1.24B | 1.64B | 1.97B | 1.97B | 2.14B | 2.28B | 3.89B | 0 |
| Accounts Receivables | 5.05M | 5.93M | 6.04M | 8.93M | 8.23M | 11.03M | 13.63M | 21.06M | 21.47M |
| Goodwill & Intangibles | 1.07M | 16.5M | 27.11M | 24.18M | 22.91M | 21.8M | 21.14M | 115.87M | 107.74M |
| Goodwill | 719K | 12.59M | 19.93M | 18.72M | 18.72M | 18.72M | 18.72M | 68.11M | 69.75M |
| Intangible Assets | 356K | 3.91M | 7.18M | 5.46M | 4.18M | 3.08M | 2.41M | 47.77M | 37.99M |
| PP&E (Net) | 34.81M | 38.2M | 37.52M | 35.15M | 34.05M | 29.33M | 29.39M | 50.22M | 51.03M |
| Other Assets | 69.5M | 99.11M | 126.72M | 119.32M | 108.91M | 124.73M | 123.95M | 244.07M | 0 |
| Total Current Assets | 450.16M | 543.59M | 552.89M | 600.65M | 689.38M | 585.58M | 592.31M | 1.1B | 1.02B |
| Total Non-Current Assets | 1.11B | 1.39B | 1.83B | 2.15B | 2.15B | 2.34B | 2.47B | 4.34B | 192.7M |
| Total Assets | 1.56B▲ 0% | 1.93B▲ 24.1% | 2.38B▲ 23.2% | 2.75B▲ 15.4% | 2.83B▲ 3.1% | 2.92B▲ 3.1% | 3.06B▲ 4.9% | 5.44B▲ 77.6% | 5.54B▲ 1.8% |
| Asset Growth % | 10.2% | 24.09% | 23.21% | 15.41% | 3.05% | 3.1% | 4.85% | 77.58% | 1.85% |
| Return on Assets (ROA) | 0.54% | 0.73% | 0.78% | 1.03% | 1.18% | 0.77% | 1.19% | 0.52% | 1.47% |
| Accounts Payable | 17.18M | 22.82M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 177.39M | 179.38M | 404.65M | 109.41M | 57.16M | 155.42M | 179.38M | 209.91M | 336.37M |
| Net Debt | 147.58M | 107.56M | 348.69M | -15.84M | -151.55M | 94.59M | 114.22M | -38.97M | 294.28M |
| Long-Term Debt | 83.81M | 115.31M | 241.51M | 89.95M | 33.86M | 138.16M | 169.59M | 184.04M | 311.82M |
| Short-Term Debt | 93.58M | 64.07M | 163.14M | 19.47M | 23.3M | 17.25M | 9.79M | 25.86M | 24.54M |
| Other Liabilities | 0 | 0 | -120.15M | 38.03M | 40.82M | 61.85M | 60.99M | 91.9M | 3.74B |
| Total Current Liabilities | 1.33B | 1.65B | 2.04B | 2.38B | 2.49B | 2.49B | 2.57B | 4.65B | 895.45M |
| Total Non-Current Liabilities | 83.81M | 115.31M | 121.36M | 127.98M | 74.68M | 200.01M | 230.59M | 275.95M | 4.06B |
| Total Liabilities | 1.41B | 1.76B | 2.16B | 2.5B | 2.56B | 2.69B | 2.8B | 4.92B | 4.95B |
| Total Equity | 144.76M▲ 0% | 173.43M▲ 19.8% | 223.25M▲ 28.7% | 246.25M▲ 10.3% | 271.66M▲ 10.3% | 228.9M▼ 15.7% | 265.06M▲ 15.8% | 516.68M▲ 94.9% | 591.53M▲ 14.5% |
| Equity Growth % | 7.35% | 19.8% | 28.72% | 10.3% | 10.32% | -15.74% | 15.8% | 94.93% | 14.49% |
| Equity / Assets (Capital Ratio) | 9.29% | 8.97% | 9.37% | 8.95% | 9.58% | 7.83% | 8.65% | 9.5% | 10.67% |
| Return on Equity (ROE) | 5.79% | 8.05% | 8.53% | 11.27% | 12.7% | 8.81% | 14.44% | 5.64% | 14.59% |
| Book Value per Share | 17.60 | 20.32 | 21.23 | 22.32 | 24.46 | 21.38 | 25.40 | 34.64 | 35.30 |
| Tangible BV per Share | 17.47 | 18.38 | 18.66 | 20.13 | 22.40 | 19.34 | 23.37 | 26.87 | 28.87 |
| Common Stock | 435K | 491K | 584K | 586K | 586K | 584K | 583K | 1.03M | 1.03M |
| Additional Paid-in Capital | 125.46M | 151.68M | 188.37M | 189.07M | 189.69M | 189.26M | 189.03M | 423.27M | 424.6M |
| Retained Earnings | 16.04M | 24.47M | 35.25M | 54.1M | 78.7M | 92.47M | 117.67M | 126.54M | 186.75M |
| Accumulated OCI | 2.85M | -2.97M | -480K | 3.35M | 4.45M | -39.91M | -28.48M | -26.32M | -15.2M |
| Treasury Stock | -15K | -236K | -466K | -848K | -1.77M | -13.51M | -13.74M | -7.84M | -5.64M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
ORRF Cash Flow Statement
Orrstown Financial Services, Inc. (ORRF) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 16.35M | 22.49M | 9.09M | 30.17M | 40.81M | 36.19M | 43.7M | 34.96M | 74.73M |
| Operating CF Growth % | 4.9% | 37.54% | -59.58% | 231.91% | 35.27% | -11.32% | 20.75% | -20% | 113.78% |
| Net Income | 8.09M | 12.8M | 16.92M | 26.46M | 32.88M | 22.04M | 35.66M | 22.05M | 80.86M |
| Depreciation & Amortization | 3.27M | 3.64M | 5.55M | 6.57M | 5.3M | 4.62M | 4.34M | 9.69M | 941K |
| Deferred Taxes | 3.08M | 543K | 1.78M | -1.97M | 942K | -591K | -651K | -867K | -289K |
| Other Non-Cash Items | -1.1M | 2.19M | -12.7M | -1.05M | 1.65M | 1.28M | 6.07M | 1.81M | -2.1M |
| Working Capital Changes | 1.64M | 1.82M | -4.04M | -1.93M | -1.92M | 6.7M | -4.08M | -6.45M | -5.38M |
| Cash from Investing | -145.89M | -139.4M | 18.46M | -292.56M | -2.01M | -270.99M | -153.25M | 60.99M | -181.96M |
| Purchase of Investments | -205.75M | -226.61M | -190.53M | -26.69M | -195.05M | -181.53M | -46.44M | -235.74M | 0 |
| Sale/Maturity of Investments | 191.09M | 174.74M | 232.69M | 56.24M | 189.2M | 82.84M | 56.99M | 238.72M | 0 |
| Net Investment Activity | -14.66M | -51.87M | 42.16M | 29.55M | -5.85M | -98.68M | 10.56M | 2.98M | 0 |
| Acquisitions | 0 | 12.41M | 29.44M | 0 | 0 | 0 | -17.64M | 45.28M | 0 |
| Other Investing | -128.58M | -95.14M | -50.23M | -320.81M | 5.09M | -171.41M | -143.87M | 14.31M | -181.96M |
| Cash from Financing | 129.08M | 175.92M | -60.41M | 331.47M | 44.65M | 86.91M | 113.89M | 87.76M | 8.13M |
| Dividends Paid | -3.49M | -4.38M | -6.15M | -7.61M | -8.28M | -8.26M | -8.48M | -13.18M | -20.64M |
| Share Repurchases | 0 | -651K | -1.77M | -1.89M | -2.38M | -14.46M | -2.96M | -2.39M | -2.27M |
| Stock Issued | 137K | 160K | 0 | 0 | 0 | 0 | 0 | 0 | 151K |
| Net Stock Activity | 137K | -491K | -1.77M | -1.89M | -2.38M | -14.46M | -2.96M | -2.39M | -2.12M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K |
| Other Financing | 67.2M | 178.96M | -71.51M | 481.39M | 107.63M | 11.44M | 101.44M | 117.7M | -94.69M |
| Net Change in Cash | -466K▲ 0% | 59.01M▲ 12762.7% | -32.85M▼ 155.7% | 69.3M▲ 310.9% | 83.45M▲ 20.4% | -147.89M▼ 277.2% | 4.34M▲ 102.9% | 183.71M▲ 4135.0% | -99.1M▼ 153.9% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 30.27M | 29.81M | 88.81M | 55.96M | 125.26M | 208.71M | 60.82M | 65.16M | 248.87M |
| Cash at End | 29.81M | 88.81M | 55.96M | 125.26M | 208.71M | 60.82M | 65.16M | 248.87M | 149.77M |
| Interest Paid | 7.59M | 12.93M | 24.31M | 16.66M | 6.8M | 8.72M | 42.89M | 93.31M | 103.37M |
| Income Taxes Paid | 1.64M | 60K | 0 | 550K | 4.4M | 4.9M | 7.45M | 9.63M | 9.1M |
| Free Cash Flow | 13.7M▲ 0% | 17.7M▲ 29.2% | 6.18M▼ 65.1% | 28.87M▲ 367.2% | 39.56M▲ 37.0% | 35.3M▼ 10.8% | 41.41M▲ 17.3% | 33.38M▼ 19.4% | 70.5M▲ 111.2% |
| FCF Growth % | 517.54% | 29.2% | -65.08% | 367.2% | 37.03% | -10.77% | 17.31% | -19.39% | 111.22% |
ORRF Banking Ratios
Orrstown Financial Services, Inc. (ORRF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 4.95% | 5.79% | 8.05% | 8.53% | 11.27% | 12.7% | 8.81% | 14.44% | 5.64% | 14.59% |
| Return on Assets (ROA) | 0.49% | 0.54% | 0.73% | 0.78% | 1.03% | 1.18% | 0.77% | 1.19% | 0.52% | 1.47% |
| Net Interest Margin | 2.58% | 2.81% | 2.7% | 2.91% | 3.04% | 3.07% | 3.41% | 3.42% | 2.85% | 3.6% |
| Efficiency Ratio | 77.75% | 70.17% | 66.52% | 63.3% | 57.55% | 59.96% | 70.35% | 47.39% | 51.41% | 41.61% |
| Equity / Assets | 9.53% | 9.29% | 8.97% | 9.37% | 8.95% | 9.58% | 7.83% | 8.65% | 9.5% | 10.67% |
| Book Value / Share | 16.56 | 17.6 | 20.32 | 21.23 | 22.32 | 24.46 | 21.38 | 25.4 | 34.64 | 35.3 |
| NII Growth | 6.44% | 19.88% | 19.06% | 32.86% | 20.65% | 4.03% | 14.55% | 5.3% | 47.99% | 28.69% |
| Dividend Payout | 43.72% | 43.11% | 34.17% | 36.34% | 28.76% | 25.18% | 37.5% | 23.79% | 59.76% | 25.53% |
ORRF SEC Filings & Documents
Orrstown Financial Services, Inc. (ORRF) SEC filings — annual & quarterly reports (10-K, 10-Q)
ORRF Frequently Asked Questions
Orrstown Financial Services, Inc. (ORRF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Orrstown Financial Services, Inc. (ORRF) grew revenue by 24.6% over the past year. This is strong growth.
Yes, Orrstown Financial Services, Inc. (ORRF) is profitable, generating $80.9M in net income for fiscal year 2025 (22.8% net margin).
Dividend & Returns
Yes, Orrstown Financial Services, Inc. (ORRF) pays a dividend with a yield of 3.33%. This makes it attractive for income-focused investors.
Orrstown Financial Services, Inc. (ORRF) has a return on equity (ROE) of 14.6%. This is reasonable for most industries.
Industry Metrics
Orrstown Financial Services, Inc. (ORRF) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.
Orrstown Financial Services, Inc. (ORRF) has an efficiency ratio of 41.6%. This is excellent, indicating strong cost control.
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Orrstown Financial Services, Inc. (ORRF) financial analysis — history, returns, DCA and operating performance tools
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