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Stocks · Financials · State Commercial Banks

ORRSTOWN FINANCIAL SERVICES INC

ORRF Clue Score69
United States Fiscal year ends December CIK 0000826154
$41.32 +1.03% Close, 12 Oct 2026
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Price $41.32 +70.96% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income6.6EPS, diluted0.81Fiscal year 2017Net income8.1 +22.1%EPS, diluted0.98 +21.0%Fiscal year 2018Revenue15.0Net income12.8 +58.3%EPS, diluted1.50 +53.1%Fiscal year 2019Revenue18.0 +19.6%Net income16.9 +32.2%EPS, diluted1.61 +7.3%Fiscal year 2020Revenue16.5 −8.2%Net income26.5 +56.4%EPS, diluted2.40 +49.1%Fiscal year 2021Revenue18.9 +14.9%Net income32.9 +24.3%EPS, diluted2.96 +23.3%Fiscal year 2022Revenue19.5 +2.8%Net income22.0 −33.0%EPS, diluted2.06 −30.4%Fiscal year 2023Revenue19.5 +0.1%Net income35.7 +61.8%EPS, diluted3.42 +66.0%Fiscal year 2024Revenue27.3 +40.2%Net income22.1 −38.2%EPS, diluted1.48 −56.7%Fiscal year 2025Revenue37.1 +36.0%Net income80.9 +266.7%EPS, diluted4.18 +182.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a 15.0 18.0 16.5 18.9 19.5 19.5 27.3 37.1
Growth +19.6% −8.2% +14.9% +2.8% +0.1% +40.2% +36.0%
Net income 6.6 8.1 12.8 16.9 26.5 32.9 22.0 35.7 22.1 80.9
Growth +22.1% +58.3% +32.2% +56.4% +24.3% −33.0% +61.8% −38.2% +266.7%
EPS, diluted 0.81 0.98 1.50 1.61 2.40 2.96 2.06 3.42 1.48 4.18
Growth +21.0% +53.1% +7.3% +49.1% +23.3% −30.4% +66.0% −56.7% +182.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Net margin85.3%Free cash flow margin117.9%Fiscal year 2019Net margin94.3%Free cash flow margin34.4%Fiscal year 2020Net margin160.6%Free cash flow margin175.2%Fiscal year 2021Net margin173.7%Free cash flow margin208.9%Fiscal year 2022Net margin113.2%Free cash flow margin181.3%Fiscal year 2023Net margin183.1%Free cash flow margin212.6%Fiscal year 2024Net margin80.7%Free cash flow margin122.2%Fiscal year 2025Net margin217.7%Free cash flow margin189.8%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a 85.3% 94.3% 160.6% 173.7% 113.2% 183.1% 80.7% 217.7%
Free cash flow margin n/a n/a 117.9% 34.4% 175.2% 208.9% 181.3% 212.6% 122.2% 189.8%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow15.6Capital expenditure−13.4Free cash flow2.2Buybacks−0.6Dividends paid−2.9Fiscal year 2017Operating cash flow16.4Capital expenditure−2.7Free cash flow13.7 +517.5%Buybacks0.0Dividends paid−3.5Fiscal year 2018Operating cash flow22.5Capital expenditure−4.8Free cash flow17.7 +29.2%Buybacks0.0Dividends paid−4.4Fiscal year 2019Operating cash flow9.1Capital expenditure−2.9Free cash flow6.2 −65.1%Buybacks0.0Dividends paid−6.2Fiscal year 2020Operating cash flow30.2Capital expenditure−1.3Free cash flow28.9 +367.2%Buybacks−1.2Dividends paid−7.6Fiscal year 2021Operating cash flow40.8Capital expenditure−1.3Free cash flow39.6 +37.0%Buybacks−1.9Dividends paid−8.3Fiscal year 2022Operating cash flow36.2Capital expenditure−0.9Free cash flow35.3 −10.8%Buybacks−14.2Dividends paid−8.3Fiscal year 2023Operating cash flow43.7Capital expenditure−2.3Free cash flow41.4 +17.3%Buybacks−2.6Dividends paid−8.5Fiscal year 2024Operating cash flow35.0Capital expenditure−1.6Free cash flow33.4 −19.4%Buybacks0.0Dividends paid−13.2Fiscal year 2025Operating cash flow74.7Capital expenditure−4.2Free cash flow70.5 +111.2%Buybacks−0.3Dividends paid−20.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 15.6 16.4 22.5 9.1 30.2 40.8 36.2 43.7 35.0 74.7
Capital expenditure −13.4 −2.7 −4.8 −2.9 −1.3 −1.3 −0.9 −2.3 −1.6 −4.2
Free cash flow 2.2 13.7 17.7 6.2 28.9 39.6 35.3 41.4 33.4 70.5
Growth +517.5% +29.2% −65.1% +367.2% +37.0% −10.8% +17.3% −19.4% +111.2%
Buybacks −0.6 0.0 0.0 0.0 −1.2 −1.9 −14.2 −2.6 0.0 −0.3
Dividends paid −2.9 −3.5 −4.4 −6.2 −7.6 −8.3 −8.3 −8.5 −13.2 −20.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash30.3Total debt24.2Net cash (debt)6.1Shareholders’ equity134.9Debt to equity0.18Fiscal year 2017Cash29.8Total debt83.8Net cash (debt)−54.0Shareholders’ equity144.8Debt to equity0.58Fiscal year 2018Cash88.8Total debt83.5Net cash (debt)5.4Shareholders’ equity173.4Debt to equity0.48Fiscal year 2019Cash56.0Total debt63.1Net cash (debt)−7.1Shareholders’ equity223.2Debt to equity0.28Fiscal year 2020Cash125.3Total debt2.3Net cash (debt)122.9Shareholders’ equity246.2Debt to equity0.01Fiscal year 2021Cash208.7Total debt1.9Net cash (debt)206.8Shareholders’ equity271.7Debt to equity0.01Fiscal year 2022Cash60.8Total debt1.5Net cash (debt)59.4Shareholders’ equity228.9Debt to equity0.01Fiscal year 2023Cash65.2Total debt40.0Net cash (debt)25.2Shareholders’ equity265.1Debt to equity0.15Fiscal year 2024Cash248.9Shareholders’ equity516.7Fiscal year 2025Cash149.8Shareholders’ equity591.5
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 30.3 29.8 88.8 56.0 125.3 208.7 60.8 65.2 248.9 149.8
Total debt 24.2 83.8 83.5 63.1 2.3 1.9 1.5 40.0 n/a n/a
Net cash (debt) 6.1 −54.0 5.4 −7.1 122.9 206.8 59.4 25.2 n/a n/a
Shareholders’ equity 134.9 144.8 173.4 223.2 246.2 271.7 228.9 265.1 516.7 591.5
Debt to equity 0.18 0.58 0.48 0.28 0.01 0.01 0.01 0.15 n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Balance sheet

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Assets
30.3 29.8 88.8 56.0 125.3 208.7 60.8 65.2 248.9 149.8
34.9 34.8 38.2 37.5 35.1 34.0 29.3 29.4 50.2 51.0
0.7 0.7 12.6 19.9 18.7 18.7 18.7 18.7 68.1 69.8
1,414.5 1,558.8 1,934.4 2,383.3 2,750.6 2,834.6 2,922.4 3,064.2 5,441.6 5,542.3
Growth +10.2% +24.1% +23.2% +15.4% +3.1% +3.1% +4.9% +77.6% +1.8%
Liabilities
24.2 83.8 83.5 63.1 2.3 1.9 1.5 40.0 n/a n/a
calc 24.2 83.8 83.5 63.1 2.3 1.9 1.5 40.0 n/a n/a
1,279.6 1,414.1 1,761.0 2,160.0 2,504.3 2,562.9 2,693.5 2,799.2 4,924.9 4,950.7
Equity
11.7 16.0 24.5 35.2 54.1 78.7 92.5 117.7 126.5 186.8
134.9 144.8 173.4 223.2 246.2 271.7 228.9 265.1 516.7 591.5
Growth +7.3% +19.8% +28.7% +10.3% +10.3% −15.7% +15.8% +94.9% +14.5%
Per share and net cash
calc 6.1 −54.0 5.4 −7.1 122.9 206.8 59.4 25.2 n/a n/a
8.3 8.3 9.4 11.2 11.2 11.2 10.7 10.6 19.4 19.5
calc 16.28 17.34 18.39 19.93 21.98 24.29 21.45 24.98 26.65 30.32

Lines marked calc are worked out here from filed figures; point at one for how.