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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
$670.85M
PER (TTM)
7.1
14.2
配当利回り
3.2%
52週高値
$40.72
52週安値
$25.57
52週レンジ
58%
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

-$25.00M+0.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

CAC stock ticker logoCAC
$367.34M
+26.8%
ORRF stock ticker logoORRF
$353.86M
+24.6%
MPB stock ticker logoMPB
$348.26M
+13.5%

粗利益率 (最新四半期)

THFF stock ticker logoTHFF
96.6%
+26.3pp
CCBG stock ticker logoCCBG
88.4%
+2.5pp
BCAL stock ticker logoBCAL
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
MCBS$814.69M11.014.8%11.3%
HBNC$813.84M-5.4-20.6%6.3%
TRST$784.13M12.78.9%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:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし