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Orrstown Financial Services Inc

Financial Services US ORRF

38.39USD
0.55(1.45%)

Last update at 2026-06-09T15:57:00Z

Day Range

38.2339.09
LowHigh

52 Week Range

17.0629.35
LowHigh

Fundamentals

  • Previous Close 37.84
  • Market Cap282.60M
  • Volume39884
  • P/E Ratio7.92
  • Dividend Yield3.01%
  • Revenue TTM130.45M
  • Revenue Per Share TTM12.63
  • Gross Profit TTM 122.34M
  • Diluted EPS TTM3.33

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 26.62M 40.90M 32.51M 19.63M 14.45M
Minority interest - - - - -
Net income 22.04M 32.88M 26.46M 16.92M 12.80M
Selling general administrative 49.09M 48.88M 47.61M 44.27M 35.88M
Selling and marketing expenses 2.26M 2.18M 1.66M 1.97M 1.59M
Gross profit -4.66600M 110.11M 105.26M 92.15M 68.86M
Reconciled depreciation 1.10M 1.27M 6.57M 5.55M 3.64M
Ebit 39.16M 40.90M 32.51M 19.63M 31.27M
Ebitda 40.26M 42.17M 34.08M 21.20M 31.55M
Depreciation and amortization 1.10M 1.27M 1.57M 1.57M 0.29M
Non operating income net other - - - - -
Operating income 39.16M 40.90M 32.51M 19.63M 27.91M
Other operating expenses 2.26M 75.23M 79.41M 78.20M 44.51M
Interest expense 9.02M 6.72M 16.02M 23.70M 13.47M
Tax provision 4.58M 8.01M 6.05M 2.71M 1.64M
Interest income 108.65M 93.69M 99.63M 92.99M 64.84M
Net interest income 99.63M 86.97M 83.61M 69.30M 51.37M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 4.58M 8.01M 6.05M 2.71M 1.64M
Total revenue 1.29M 116.13M 111.92M 97.84M 73.22M
Total operating expenses 2.26M -75.23100M -79.40500M -78.20200M -44.50600M
Cost of revenue 5.95M 6.02M 6.66M 5.69M 4.36M
Total other income expense net -12.53900M -44.60200M -58.80100M -65.70600M -13.46700M
Discontinued operations - - - - -
Net income from continuing ops 22.04M 32.88M 26.46M 16.92M 12.80M
Net income applicable to common shares 22.04M 32.88M 26.46M 16.92M 12.80M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 3069.33M 2922.41M 2834.57M 2750.57M 2383.27M
Intangible assets 2.41M 3.08M 4.18M 5.46M 7.18M
Earning assets - - - - 546.43M
Other current assets 78.79M -503.08600M 1615.79M 1624.13M 1275.37M
Total liab 2804.28M 2693.51M 2562.91M 2504.32M 2160.03M
Total stockholder equity 265.06M 228.90M 271.66M 246.25M 223.25M
Deferred long term liab - - - - -
Other current liab 1434.17M -61.85000M -40.82000M -38.02900M -189.58900M
Common stock 0.58M 0.58M 0.59M 0.59M 0.58M
Capital stock 0.58M 0.58M 0.59M 0.59M 0.58M
Retained earnings 117.67M 92.47M 78.70M 54.10M 35.25M
Other liab - 40.09M 28.79M 26.61M 24.15M
Good will 18.72M 18.72M 18.72M 18.72M 19.93M
Other assets 0.00000M 1771.97M 1615.79M 1624.13M 1275.37M
Cash 65.16M 60.82M 208.71M 125.26M 56.46M
Cash and equivalents - - - - -
Total current liabilities 1567.81M 61.85M 40.82M 38.03M 189.59M
Current deferred revenue - - - - -
Net debt 125.83M 77.34M -174.85100M -35.31000M 193.32M
Short term debt 133.63M 17.25M 23.30M 154.87M 154.87M
Short long term debt - - - - 154.87M
Short long term debt total 190.99M 138.16M 33.86M 89.95M 249.78M
Other stockholder equity 175.28M 175.75M 187.92M 188.22M 187.90M
Property plant equipment - 29.33M 34.05M 43.84M 37.52M
Total current assets 78.79M 585.58M 689.38M 600.65M 552.89M
Long term investments 513.52M 513.73M 472.44M 466.46M 2120.06M
Net tangible assets - 207.09M 248.75M 222.07M 196.14M
Short term investments 513.52M 513.73M 472.44M 466.46M 490.39M
Net receivables 13.63M 11.03M 8.23M 8.93M 6.04M
Long term debt 169.59M 138.16M 33.86M 89.95M 94.91M
Inventory 18.96M - - - 0.20M
Accounts payable - 61.85M 40.82M 38.03M 34.72M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -28.47600M -39.91300M 4.45M 3.35M -0.48000M
Additional paid in capital - - - - -
Common stock total equity - 0.58M 0.59M 0.59M 0.58M
Preferred stock total equity - - - - -
Retained earnings total equity - 92.47M 78.70M 54.10M 35.25M
Treasury stock - -13.51200M -1.76800M -0.84800M -0.46600M
Accumulated amortization - - - - -
Non currrent assets other 2837.85M -24.03100M -529.39000M -525.79600M -555.01500M
Deferred long term asset charges - - - - -
Non current assets total 2990.54M 564.86M 529.39M 525.80M 555.01M
Capital lease obligations - - - - -
Long term debt total - 138.16M 33.86M 89.95M 94.91M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -270.23800M -1.83700M -292.34700M -6.17800M -148.10800M
Change to liabilities 20.49M 1.17M 0.95M -5.29100M 2.70M
Total cashflows from investing activities -270.99100M -2.01300M -292.34700M 18.96M -139.39600M
Net borrowings 98.19M -52.31400M -140.42500M 18.96M 1.99M
Total cash from financing activities 86.91M 44.65M 331.47M -60.40500M 175.92M
Change to operating activities 20.49M 1.17M 0.95M -5.29100M 2.70M
Net income 22.04M 32.88M 26.46M 16.92M 12.80M
Change in cash -147.88700M 83.45M 69.30M -32.35300M 59.01M
Begin period cash flow 208.71M 125.26M 55.96M 88.81M 29.81M
End period cash flow 60.82M 208.71M 125.26M 56.46M 88.81M
Total cash from operating activities 36.19M 40.81M 30.17M 9.09M 22.49M
Issuance of capital stock - - - - 0.16M
Depreciation 4.62M 5.30M 6.57M 5.55M 3.64M
Other cashflows from investing activities 0.14M 1.08M 2.59M 28.05M 13.50M
Dividends paid 8.26M 8.28M 7.61M 6.15M 4.38M
Change to inventory - - - - -
Change to account receivables -2.79300M 0.69M -2.88700M 1.25M -0.87900M
Sale purchase of stock -14.45700M -2.38300M -1.88700M -1.77200M -0.65100M
Other cashflows from financing activities 108.43M -0.52500M 606.36M -0.05900M 235.66M
Change to netincome -15.77100M 3.37M -0.93100M -4.09500M 3.29M
Capital expenditures 0.90M 1.25M 1.30M 2.91M 4.79M
Change receivables -2.79300M 0.69M -2.88700M 1.25M -0.87900M
Cash flows other operating 5.71M -2.17000M 6.68M -2.69600M -0.47100M
Exchange rate changes - - - - -
Cash and cash equivalents changes -147.88700M 83.45M 69.30M -32.35300M 59.01M
Change in working capital 17.70M 1.86M -1.93400M -4.04300M 1.82M
Stock based compensation 2.15M 1.95M 2.09M 1.59M 1.49M
Other non cash items -9.72700M -2.12600M -1.05000M -12.70000M 2.19M
Free cash flow 35.30M 39.56M 28.87M 6.18M 17.70M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
ORRF
Orrstown Financial Services Inc		 0.55 1.45% 38.39 7.92 9.67 2.08 1.01
HDB
HDFC Bank Limited ADR		 0.24 1.04% 23.25 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.24 0.78% 30.47 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 0.16 0.32% 50.61 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

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Profile

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 Shippensburg, Pennsylvania.

Orrstown Financial Services Inc

77 East King Street, Shippensburg, PA, United States, 17257

Key Executives

Name Title Year Born
Mr. Thomas Rodney Quinn Jr. Pres, CEO & Director 1959
Mr. Neelesh Kalani CPA Exec. VP, CFO & Head of Investor Relations 1975
Mr. Adam L. Metz Exec. VP & Chief Revenue Officer 1972
Mr. Christopher D. Holt Exec. VP & Market Pres for the Maryland Region 1964
Mr. Robert G. Coradi Exec. VP, Chief Risk Officer & Sec. 1962
Mr. Adam D. Bonanno Exec. VP, Chief Operations & Technology Officer 1978
Mr. Sean P. Mulcahy CPA Sr. VP & Chief Accounting Officer 1982
Mr. Matthew Dyckman Exec. VP & Gen. Counsel 1969
Ms. Barbara E. Brobst Exec. VP, Chief HR Officer & Assistant Sec. 1959
Mr. Philip E. Fague CPA Exec. VP and Trust & Mortgage Officer 1960

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