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Orrstown Financial Services, Inc.

Orrstown Financial Services, Inc.

NASDAQ•ORRF
CEO: Mr. Thomas Rodney Quinn Jr.
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
4750 Lindle Road, Harrisburg, PA, 17111, United States
717-532-6114
www.orrstown.com
時価総額
$733.93M
PER (TTM)
7.7
15
配当利回り
2.9%
52週高値
$40.72
52週安値
$25.57
52週レンジ
80%
順位42Top 47.5%
3.9
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.9 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$90.65M+0.22%
直近4四半期の推移

EPS

$1.29+79.17%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Strong Net Income Post-Merger Nine months net income reached $59.4M, significantly up from $8.4M last year; Q3 net income was $21.9M versus a $7.9M loss prior year.
NIM Stable Year-to-Date Taxable-equivalent NIM improved 18 basis points YTD to 4.06%, though Q3 NIM slightly compressed to 3.52% due to lower loan yields.
Asset Quality Improvement Noted ACL to total loans ratio decreased to 1.21% by September 30, 2025; 9M provision resulted in a $49K recovery versus $14.8M expense last year.
Solid Capital Adequacy Orrstown Bank's Total risk-based capital ratio stood at 12.9%, well above the 10.5% required minimum for capital adequacy.

リスク要因

Loan Yields Under Pressure Loan yield declined 49 basis points year-over-year in Q3 to 6.58%, driven by lower accretion on fair value marks and declining market rates.
Nonaccrual Loans Increased Nonaccrual loans rose to $26.2M at period end, an increase of $2.1M since December 31, 2024, primarily from new commercial construction additions.
Elevated Operating Expenses Noninterest expenses increased $6.7M YTD, driven by higher salaries, professional services, and $4.5M in increased intangible asset amortization.
Ongoing Litigation Exposure The Company faces ongoing putative class action litigation regarding overdraft fees, which could result in material financial impact or operational distraction.

見通し

Focus on Credit Quality Monitoring Management continues quarterly comprehensive ACL analysis, adjusting qualitative factors based on economic trends and delinquency patterns.
Integration Expense Normalization Merger-related expenses significantly decreased YTD ($2.6M vs $18.8M), indicating progress toward normalizing noninterest expense structure.
Liquidity Management Focus Liquidity is managed via deposits, FHLB advances, and securities, with FHLB advances increasing significantly due to lending activity and debt redemption.
Capital Position Maintained Capital ratios remain strong, exceeding regulatory buffers, providing stability despite ongoing economic uncertainties and regulatory changes.

同業比較

売上高 (TTM)

Camden National CorporationCAC
$367.34M
+26.8%
Orrstown Financial Services, Inc.ORRF
$353.86M
+24.6%
Mid Penn Bancorp, Inc.MPB
$348.26M
+13.5%

粗利益率 (最新四半期)

First Financial CorporationTHFF
96.6%
+26.3pp
Capital City Bank Group, Inc.CCBG
88.4%
+2.5pp
California BanCorp.BCAL
83.9%
+0.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
HBNC$922.43M-6.1-20.6%6.3%
CAC$847.63M12.99.8%8.3%
TRST$842.35M13.78.9%3.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.6%
緩やかな成長
4四半期純利益CAGR
6.0%
収益性の着実な向上
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月20日
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EPS:-
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売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月6日|
    売上高: $89.61M-5.3%
    |
    EPS: $1.14-378.0%
    予想を上回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月8日|
    売上高: $87.13M+73.9%
    |
    EPS: $1.01+36.5%
    予想を上回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月9日|
    売上高: $86.47M+76.7%
    |
    EPS: $0.94+14.6%
    予想通り
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月31日|
    売上高: $284.09M+63.0%
    |
    EPS: $1.49-56.8%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月12日|
    売上高: $94.59M+113.5%
    |
    EPS: $-0.41-147.1%
    予想を下回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月8日|
    売上高: $50.11M+14.5%
    |
    EPS: $0.74-22.1%
    予想通り
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月9日|
    売上高: $48.93M+22.1%
    |
    EPS: $0.82-6.8%
    予想を上回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月14日|
    売上高: $174.30M+29.8%
    |
    EPS: $3.45+65.1%
    予想を上回る