ORRSTOWN FINANCIAL SERVICES INC

ORRF

ORRSTOWN FINANCIAL SERVICES INC

ORRF

Insider Sentiment (TTM):

Last Purchase:2026-03-18Last Sale:2026-03-11Shares Purchased (TTM):1,996Shares Sold (TTM):20,693

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:11,440,140Shares Outstanding:19,274,000Institutional Ownership Pct.:59.36%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	58	49	42	61	54	64	51	65	36	24	33	35
Interest Bearing Deposits In Banks	87	112	108	123	95	223	198	172	97	159	33	60
Cash Cash Equivalents And Federal Funds Sold	145	161	150	184	149	287	249	237	133	183	65	95
Restricted Investments	27	24	27	24	21	20	20	20	11	11	12	13
Debt Securities Available For Sale Excluding Accru…	949	947	953	890	885	855	830	827	529	515	514	495
Financing Receivable Excluding Accrued Interest Be…	-	4,061	4,021	3,980	3,931	3,876	3,931	3,981	2,348	2,303	2,298	2,267
Assets
Assets	5,612	5,577	5,542	5,470	5,388	5,442	5,442	5,471	3,199	3,183	3,064	3,054
Financing Receivable Allowance For Credit Loss Exc…	-	-47	-48	-48	-48	-48	-49	-50	-30	-29	-29	-28
Financing Receivable Excluding Accrued Interest Af…	-	4,014	3,973	3,932	3,883	3,828	3,883	3,932	2,318	2,274	2,270	2,239
Property Plant And Equipment Net	50	51	51	51	52	52	50	50	28	29	29	29
Bank Owned Life Insurance	148	146	147	146	146	145	144	143	74	74	73	73
Goodwill	70	70	70	70	70	68	68	71	19	19	19	19
Finite Lived Intangible Assets Net	34	36	38	40	43	45	48	46	2	2	2	3
Interest Receivable	20	21	21	20	20	20	21	21	14	13	14	12
Deferred Income Tax Assets Net	33	33	34	34	37	36	43	39	22	21	22	26
Other Assets	67	72	73	72	76	80	80	83	48	42	39	45
Liabilities
Noninterest Bearing Deposit Liabilities Domestic	921	883	871	902	918	932	894	815	425	419	431	435
Deposits
Deposits	4,620	4,627	4,529	4,534	4,517	4,634	4,623	4,651	2,703	2,696	2,559	2,546
Interest Bearing Deposit Liabilities Domestic	3,699	3,745	3,658	3,632	3,598	3,702	3,729	3,835	2,278	2,277	2,128	2,111
Federal Funds Purchased And Securities Sold Under …	8	19	25	33	30	23	26	22	15	12	10	18
Subordinated Debt	8	37	37	37	69	69	69	69	32	32	32	32
Accrued Liabilities And Other Liabilities	80	83	86	86	87	83	92	98	56	56	61	58
Liabilities	4,991	4,974	4,951	4,898	4,839	4,909	4,925	4,954	2,920	2,912	2,799	2,811
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	1	1	1	1	1	1	1	1	1	1	1	1
Additional Paid In Capital	422	423	425	424	422	421	423	422	188	187	189	188
Stockholders Equity
Retained Earnings Accumulated Deficit	218	203	187	171	154	140	127	117	130	124	118	112
Stockholders Equity	622	603	592	572	548	533	517	516	278	272	265	243
Accumulated Other Comprehensive Income Loss Net Of…	-18	-20	-15	-18	-24	-24	-26	-16	-28	-29	-28	-44
Treasury Stock Value	-	-	-	-6	-4	-5	-8	-8	-11	-12	-14	-14
Treasury Stock Common Value	-1	-3	-6	-	-	-	-8	-	-	-	-	-
Liabilities And Stockholders Equity	5,612	5,577	5,542	5,470	5,388	5,442	5,442	5,471	3,199	3,183	3,064	3,054
Debt Securities Available For Sale Amortized Cost …	974	973	972	913	917	887	865	846	566	552	549	553
Preferred Stock Par Or Stated Value Per Share	1.25	1.25	1.25	1.25	1.25	1.25	1.25	1.25	1.25	1.25	1.25	1.25
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.052	0.052	0.05	0.052	0.052	0.052	0.05	0.052	0.052	0.052	0.05	0.052
Common Stock Shares Authorized	50	50	50	50	50	50	50	50	50	50	50	50
Common Stock Shares Issued	20	20	20	20	20	20	20	20	11	11	11	11
Shares Outstanding	20	20	20	20	20	20	19	19	11	11	11	11
Treasury Stock Common Shares	0	0	0	0	0	0	0	0	0	0	1	1

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	0.24%	11.31%	14.90%	-	-	-	-	-	-	-	-	-
2025	-1.25%	4.86%	13.50%	8.91%	8.13%	8.16%	6.11%	6.65%	7.42%	6.64%	8.74%	9.47%
2024	-1.62%	3.09%	29.95%	10.63%	10.48%	15.27%	-4.30%	-12.25%	-11.67%	-4.20%	-0.44%	0.33%
2023	-	-	-	-11.15%	-14.21%	-16.86%	13.76%	36.26%	34.09%	-0.58%	3.22%	2.09%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.46	-0.46	-0.49	-0.54	-0.73	-0.56	-0.31	0.16	1.70	1.84	2.00	2.33
Per Share Metrics
Diluted EPS TTM	4.44	4.36	4.18	3.77	2.24	1.63	1.48	0.83	3.12	3.34	3.42	3.62
Free Cash Flow Per Share TTM	4.44	4.51	3.67	3.22	2.44	1.54	2.26	2.06	3.87	4.72	4.00	2.58
Dividend Per Share TTM	1.15	1.11	1.08	1.03	0.99	0.84	0.89	0.57	0.82	0.82	0.82	0.81
Margin Metrics
Gross Profit Margin TTM	65.91%	66.11%	65.78%	64.99%	64.00%	62.86%	62.37%	53.69%	52.66%	54.96%	57.64%	74.93%
Operating Profit Margin TTM	35.49%	35.49%	33.79%	30.01%	17.46%	14.13%	11.17%	9.75%	25.40%	28.05%	30.04%	33.26%
Net Profit Margin TTM	28.54%	27.96%	26.62%	23.76%	13.81%	11.20%	8.86%	7.66%	20.00%	22.14%	23.79%	26.52%
Growth Metrics
Net Revenue Growth (1Y)	-3.48%	7.37%	22.01%	47.16%	90.32%	78.05%	66.07%	47.18%	25.98%	32.84%	37.96%	41.29%
Net Income Growth (1Y)	99.45%	168.02%	266.69%	356.29%	31.40%	-9.90%	-38.17%	-57.47%	38.44%	53.51%	61.83%	96.92%
EPS Growth (1Y)	98.01%	166.39%	181.90%	353.07%	-28.77%	-51.32%	-56.69%	-77.01%	37.68%	54.04%	65.17%	97.88%
Valuation Metrics
P/E TTM	9.07	8.10	8.22	8.67	13.56	17.36	23.18	40.31	8.06	7.32	7.86	5.25
P/B TTM	1.26	1.14	1.12	1.11	1.07	1.03	0.99	1.25	0.95	0.94	1.06	0.81
P/S TTM	2.59	2.26	2.19	2.06	1.87	1.94	2.05	3.09	1.61	1.62	1.87	1.39
Market Cap	783.14M	684.96M	664.77M	633.35M	586.79M	548.02M	511.18M	645.27M	265.37M	256.61M	280.43M	197.57M
Enterprise Value	638.30M	523.82M	514.99M	449.20M	437.42M	260.90M	262.30M	408.49M	132.87M	73.89M	215.27M	102.63M
Calculated Values
Free Cash Flow TTM	85.69M	86.98M	70.50M	61.88M	46.70M	29.41M	33.38M	39.31M	40.26M	48.85M	41.41M	26.58M
Net Debt	-144.84M	-161.14M	-149.77M	-184.15M	-149.38M	-287.12M	-248.87M	-236.78M	-132.51M	-182.72M	-65.16M	-94.94M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-18Purchase

Owner: Brunner, Brian D

Title: -

Shares: 1,000

Price/Share: $34.02

Value: $34,020.00

Shares Owned: 50,529

Relationship: Director

Ownership: Direct

2026-03-11Sale

Owner: Holt, Christopher D

Title: EVP, Market President

Shares: 7,820

Price/Share: $34.29

Value: $268,147.80

Shares Owned: 12,616

Relationship: Officer

Ownership: Direct

2026-02-19Sale

Owner: Quinn, Thomas R Jr

Title: President & CEO

Shares: 10,373

Price/Share: $37.43

Value: $388,261.39

Shares Owned: 87,202

Relationship: Director,Officer

Ownership: Direct

2026-02-05Sale

Owner: Messick, John Rodney

Title: -

Shares: 2,500

Price/Share: $38.62

Value: $96,550.00

Shares Owned: 7,167

Relationship: Director

Ownership: Direct

2026-02-02Purchase

Owner: Brown, Sarah M

Title: -

Shares: 406

Price/Share: $36.21

Value: $14,701.26

Shares Owned: 9,866

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-03-18	Brunner, Brian D	Director	-	Direct	Purchase	1,000	34.02	$34,020.00	50,529	4
2026-03-11	Holt, Christopher D	Officer	EVP, Market President	Direct	Sale	7,820	34.29	$268,147.80	12,616	4
2026-02-19	Quinn, Thomas R Jr	Director,Officer	President & CEO	Direct	Sale	10,373	37.43	$388,261.39	87,202	4
2026-02-05	Messick, John Rodney	Director	-	Direct	Sale	2,500	38.62	$96,550.00	7,167	4
2026-02-02	Brown, Sarah M	Director	-	Direct	Purchase	406	36.21	$14,701.26	9,866	4
2025-10-27	Joiner, Cindy Jeannette	Director	-	Direct	Purchase	302	34.29	$10,355.58	22,818	4
2025-09-03	Brown, Sarah M	Director	-	Direct	Purchase	288	35.00	$10,080.00	9,340	4
2025-07-28	Jaeger, Michael	Officer	EVP, Chief Experience Officer	Direct	Sale	642	34.25	$21,988.50	745	4
2025-03-24	Fainor, Scott V	Director	-	Direct	Purchase	3,000	31.17	$93,510.00	13,396	4
2025-03-19	Brunner, Brian D	Director	-	Direct	Purchase	2,500	30.87	$77,175.00	49,330	4
2025-03-10	Giambalvo, John W	Director	-	Direct	Purchase	1,000	30.80	$30,800.00	40,562	4
2025-02-04	Brunner, Brian D	Director	-	Direct	Purchase	2,800	34.76	$97,328.00	46,766	4
2025-02-04	Brown, Sarah M	Director	-	Direct	Purchase	300	34.69	$10,407.00	8,989	4
2024-10-29	Hornberger, David Todd	Officer	EVP, Market President	Direct	Sale	4,000	37.82	$151,280.00	20,877	4
2024-10-25	Joiner, Cindy Jeannette	Director	-	Direct	Purchase	221	37.83	$8,360.43	22,063	4
2024-09-11	Holt, Christopher D	Officer	EVP, Market President	Direct	Sale	8,000	34.16	$273,280.00	10,113	4
2024-08-15	Brown, Sarah M	Director	-	Direct	Purchase	455	33.21	$15,110.55	8,689	4
2024-08-13	Giambalvo, John W	Director	-	Direct	Purchase	1,000	31.75	$31,750.00	39,562	4
2024-08-09	Joiner, Cindy Jeannette	Director	-	Direct	Purchase	326	32.15	$10,480.90	21,734	4
2023-07-31	Stoner, Floyd E	Director	-	Direct	Purchase	104	24.08	$2,504.32	30,436	4
2023-05-15	Longenecker, Thomas D	Director	-	Direct	Purchase	200	16.25	$3,250.00	15,910	4
2023-05-01	Longenecker, Thomas D	Director	-	Direct	Purchase	275	19.10	$5,252.50	13,658	4
2023-04-28	Mulcahy, Sean	Officer	Chief Accounting Officer	Direct	Purchase	300	19.11	$5,733.00	487	4
2023-03-20	Coradi, Robert G	Officer	Chief Risk Officer	Direct	Purchase	2,000	19.85	$39,700.00	27,728	4
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Institutional Ownership

No data available for chart

2026-03-31

59.36%

Inst. Shares: 11,440,140

Shares Outstanding: 19,274,000

2025-12-31

57.63%

Inst. Shares: 11,066,203

Shares Outstanding: 19,201,000

2025-09-30

58.98%

Inst. Shares: 11,337,719

Shares Outstanding: 19,224,000

2025-06-30

56.48%

Inst. Shares: 10,829,681

Shares Outstanding: 19,173,000

2025-03-31

55.80%

Inst. Shares: 10,689,615

Shares Outstanding: 19,157,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	11,440,140	19,274,000	59.36%
2025-12-31	11,066,203	19,201,000	57.63%
2025-09-30	11,337,719	19,224,000	58.98%
2025-06-30	10,829,681	19,173,000	56.48%
2025-03-31	10,689,615	19,157,000	55.80%
2024-12-31	10,419,595	14,761,000	70.59%
2024-09-30	10,298,894	19,088,000	53.95%
2024-06-30	5,653,147	10,393,000	54.39%
2024-03-31	4,564,649	10,349,000	44.11%
2023-12-31	4,413,403	10,340,000	42.68%
2023-09-30	4,394,296	10,319,000	42.58%
2023-06-30	4,276,975	10,336,000	41.38%
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ORRSTOWN FINANCIAL SERVICES INC (ORRF) — SEC Financial Statements & Analysis

ORRSTOWN FINANCIAL SERVICES INC (ORRF) is a state commercial banks company, incorporated in PA. ORRSTOWN FINANCIAL SERVICES INC trades on Nasdaq as: ORRF. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), ORRSTOWN FINANCIAL SERVICES INC reported a -3.48% year-over-year revenue growth, a Gross Profit Margin of 65.91% (TTM), a Price-to-Sales (P/S) ratio of 2.59x (TTM), a Price-to-Book (P/B) ratio of 1.26x (TTM), at a market cap of $783.14M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -3.48%
Gross Profit Margin TTM: 65.91%
P/S TTM: 2.59x
P/B TTM: 1.26x
Market Cap: $783.14M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is ORRSTOWN FINANCIAL SERVICES INC in?

ORRSTOWN FINANCIAL SERVICES INC (ORRF) operates in the State Commercial Banks industry.

What is ORRF's market cap?

ORRSTOWN FINANCIAL SERVICES INC (ORRF) has a market capitalization of $783.14M as of 2026-06-30.

What is ORRF's P/E ratio?

ORRSTOWN FINANCIAL SERVICES INC (ORRF)'s trailing twelve month P/E ratio is 9.07x as of 2026-06-30.

What exchange does ORRF trade on?

ORRSTOWN FINANCIAL SERVICES INC (ORRF) trades on the Nasdaq.

Where is ORRSTOWN FINANCIAL SERVICES INC incorporated?

ORRSTOWN FINANCIAL SERVICES INC is incorporated in PA.