Orrstown Financial Services, Inc.
NASDAQ•ORRF
CEO: Mr. Thomas Rodney Quinn Jr.
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1999-05-13
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; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides renders 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. Orrstown Financial Services, Inc. was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.
Contact Information
Market Cap
$753.79M
P/E (TTM)
7.9
15.4
Dividend Yield
2.9%
52W High
$40.72
52W Low
$25.70
52W Range
Rank42Top 47.5%
3.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$90.65M+0.22%
4-Quarter Trend
EPS
$1.29+79.17%
4-Quarter Trend
FCF
$15.87M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Net Income Surges Post-Merger Net Income reached $80.9M in 2025, significantly up from $22.1M in 2024, reflecting full integration benefits from the 2024 acquisition.
NIM Expansion Achieved Taxable-equivalent NIM improved 12 basis points to 4.04% in 2025, driven by asset deployment and lower funding costs.
Asset Quality Provisioning Eases Provision for credit losses dropped sharply to $126K in 2025, following major provisioning in 2024 related to acquired loans.
Strong Capital Adequacy Maintained Bank's CET1 ratio stood at 12.2% (Actual), well exceeding regulatory minimums and supporting continued balance sheet growth.
Risk Factors
Credit Quality Slight Deterioration NPL ratio rose slightly to 0.70% by year-end 2025 from 0.61% in 2024, indicating minor stress in the overall loan portfolio.
Commercial Real Estate Concentration Significant concentration in CRE loans (296% of RBC) remains a key risk, especially given evolving remote work trends impacting property values.
Interest Rate Environment Exposure Earnings remain highly dependent on managing interest rate risk across assets and liabilities in the volatile rate environment following FOMC cuts.
Regulatory Compliance Costs Rising Ongoing regulatory scrutiny, particularly regarding AML and consumer protection laws, increases compliance overhead and operational complexity.
Outlook
Full Year Integration Realization Expect continued realization of cost savings and efficiency gains throughout 2026 following the successful completion of the Codorus Valley merger.
Deposit Competition Pressure Increased competition for deposits may pressure funding costs, potentially offsetting NII gains if the Bank must offer higher rates to retain balances.
CRE Portfolio Close Monitoring Management will closely monitor CRE loan performance, particularly non-owner occupied segments, for potential internal risk rating downgrades.
Capital Deployment Focus Capital allocation focus remains on organic growth, share repurchases (up to 500K shares authorized), and maintaining strong capital buffers.
Peer Comparison
Revenue (TTM)
$367.34M
$353.86M
$348.26M
Gross Margin (Latest Quarter)
96.6%
88.4%
83.9%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| HBNC | $906.70M | -6.0 | -20.6% | 6.3% |
| MCBS | $895.67M | 12.1 | 14.8% | 11.3% |
| CAC | $866.07M | 13.2 | 9.8% | 9.2% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.6%
Moderate Growth
4Q Net Income CAGR
6.0%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 20, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data