Orrstown Financial Services, Inc. (ORRF) Earnings History
Annual and quarterly earnings data from 1994 to 2025
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ORRF EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
ORRF Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 70.6% | 29.0% | 22.8% |
| 2024 | 61.2% | 9.8% | 7.8% |
| 2023 | 73.2% | 25.8% | 20.5% |
| 2022 | 90.2% | 19.8% | 16.4% |
| 2021 | 93.6% | 33.6% | 27.0% |
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Orrstown Financial Services, Inc. (ORRF) Earnings Overview
As of May 7, 2026, Orrstown Financial Services, Inc. (ORRF) reported trailing twelve-month net income of $81M, reflecting +193.9% year-over-year growth. The company earned $4.83 per diluted share over the past four quarters, with a net profit margin of 22.8%.
Looking at the long-term picture, ORRF's 5-year EPS compound annual growth rate (CAGR) stands at +12.6%, showing solid earnings momentum. The company achieved its highest annual net income of $81M in fiscal 2025, representing a new all-time high.
Orrstown Financial Services, Inc. maintains industry-leading profitability with a gross margin of 70.6%, operating margin of 29.0%, and net margin of 22.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($14M net income, 16.0% margin), FXNC ($18M net income, 15.8% margin), MNSB ($16M net income, 11.5% margin), ORRF has outperformed on profitability metrics. Compare ORRF vs CZWI →
ORRF Earnings vs Peers
Earnings metrics vs comparable public companies
ORRF Historical Earnings Data (1994–2025)
32 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $81M | +266.7% | $103M | $4.35 | 22.8% | 29.0% |
| 2024 | $22M | -38.2% | $28M | $1.48 | 7.8% | 9.8% |
| 2023 | $36M | +61.8% | $45M | $3.42 | 20.5% | 25.8% |
| 2022 | $22M | -33.0% | $27M | $2.06 | 16.4% | 19.8% |
| 2021 | $33M | +24.3% | $41M | $2.96 | 27.0% | 33.6% |
| 2020 | $26M | +56.4% | $33M | $2.40 | 20.9% | 25.6% |
| 2019 | $17M | +32.2% | $20M | $1.61 | 14.0% | 16.3% |
| 2018 | $13M | +58.3% | $14M | $1.50 | 14.9% | 16.8% |
| 2017 | $8M | +22.1% | $12M | $0.98 | 11.5% | 17.6% |
| 2016 | $7M | -15.8% | $8M | $0.81 | 10.9% | 13.0% |
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Start ComparisonORRF — Frequently Asked Questions
Quick answers to the most common questions about buying ORRF stock.
Is ORRF growing earnings?
ORRF EPS is $4.83, with earnings growth accelerating to +193.9%. This exceeds the 5-year CAGR of +12.6%. TTM net income reached $81M.
What are ORRF's profit margins?
Orrstown Financial Services, Inc. net margin is +22.8%, with operating margin at +29.0%. Above-average margins indicate pricing power.
How consistent are ORRF's earnings?
ORRF earnings data spans 1994-2025. The accelerating earnings trend is +193.9% YoY. Historical data enables comparison across business cycles.