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Orrstown Financial Services, Inc. (ORRF)
Financial Services · Banks - Regional · NasdaqCM
Orrstown Financial Services, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $15.01M | $17.95M | $16.48M | $18.93M | $125.30M | $129.31M | $190.41M | $248.91M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $6.63M | $8.09M | $12.80M | $16.92M | $26.46M | $32.88M | $22.04M | $35.66M | $22.05M | $80.86M |
| Net margin | — | — | 85.3% | 94.3% | 160.6% | 173.7% | 17.6% | 27.6% | 11.6% | 32.5% |
Source: Orrstown Financial Services, Inc. SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into ORRF stock?
At today's market cap of $758.11M, Orrstown Financial Services, Inc. is priced for free-cash-flow growth of about -0.8% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $70.50M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 19.6%/yr over the last five fiscal years and revenue 72.1%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Orrstown Financial Services, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Orrstown Financial Services, Inc. financial history by metric
About Orrstown Financial Services, Inc.
Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company 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, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; agricultural loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. The company was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.
Orrstown Financial Services, Inc. — frequently asked questions
What is Orrstown Financial Services, Inc.'s revenue?
Orrstown Financial Services, Inc. (ORRF) reported revenue of $248.91M for fiscal year 2025, up 30.7% from the prior year, according to its SEC filings.
Is Orrstown Financial Services, Inc. profitable?
Yes. ORRF earned net income of $80.86M in fiscal 2025, a net margin of 32.5%.
What is ORRF's P/E ratio?
Orrstown Financial Services, Inc. trades at a price-to-earnings ratio of about 8.8 based on the latest data in our nightly-refreshed cache.
How fast is Orrstown Financial Services, Inc. growing?
ORRF's revenue grew at roughly 72.1% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Orrstown Financial Services, Inc. have?
As of fiscal year 2025, ORRF carried roughly $311.82M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Orrstown Financial Services, Inc.'s market cap?
Orrstown Financial Services, Inc. (ORRF) has a market capitalization of about $758.11M, based on the latest data in our nightly-refreshed cache.
When does Orrstown Financial Services, Inc.'s fiscal year end?
ORRF's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into ORRF stock?
At today's market cap of $758.11M, Orrstown Financial Services, Inc. is priced for free-cash-flow growth of about -0.8% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $70.50M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 19.6%/yr over the last five fiscal years and revenue 72.1%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Orrstown Financial Services, Inc.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.