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Orrstown Financial Services Inc

Orrstown Financial Services Inc

ORRF · NASDAQ · Financial Services / Banks - Regional

44.13USD+0.03 (+0.07%)

Price History

Full chart

Market Stats

Previous Close44.10
Open44.17
Day Range43.93 – 44.23
52-Week Range30.90 – 43.73
Volume59.95K
Market Cap815.90M
P/E (TTM)9.38
Forward P/E8.89
EPS4.42
Dividend Yield2.87%
Beta0.67
50-Day Avg42.35
200-Day Avg38.53

About

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; agricultural loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides 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. The company was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Adam L. Metz
  • Employees627
  • Headquarters4750 Lindle Road, Harrisburg, PA, United States, 17111, USA
  • Websitehttps://www.orrstown.com

Leadership

  • Mr. Adam L. MetzPresident, CEO & Director · b. 1972
  • Mr. Neelesh Kalani CPAExecutive VP, CFO & Head of Investor Relations · b. 1975
  • Ms. Amy L. DollExecutive VP & Chief Administrative Officer · b. 1980
  • Mr. Christopher D. HoltExecutive VP & Market President for the Maryland Region · b. 1964
  • Mr. Benjamin Colvard IVExecutive VP & Chief Operations Officer
  • Mr. Sean P. Mulcahy CPASenior VP & Chief Accounting Officer · b. 1983
  • Mr. Christopher J. OrrExecutive VP & Chief Information Officer · b. 1984
  • Mr. Matthew Dyckman Esq.Executive VP & General Counsel · b. 1969
  • Ms. Heather K. KniselyExecutive VP & Chief Human Resources Officer · b. 1984
  • Mr. Philip E. Fague CPAExecutive VP & Chief Trust Officer of Orrstown Bank · b. 1960

Financials

Income Statement

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue4.17M5.75M6.62M7.59M9.87M21.91M25.50M28.46M28.53M29.92M32.86M41.47M55.87M66.41M67.73M70.75M81.40M86.08M67.71M53.85M56.17M57.02M60.95M70.64M85.89M120.52M126.88M121.64M134.32M174.30M284.09M353.86M
Growth (%)-+37.75%+15.17%+14.64%+30.09%+121.91%+16.41%+11.60%+0.26%+4.85%+9.84%+26.21%+34.71%+18.87%+1.98%+4.47%+15.04%+5.76%-21.35%-20.47%+4.31%+1.50%+6.91%+15.88%+21.59%+40.32%+5.28%-4.13%+10.42%+29.76%+62.99%+24.56%
Cost of Revenue3.31M4.81M5.38M6.04M7.62M8.62M10.68M11.18M8.71M7.25M7.20M9.68M17.76M23.74M20.86M21.36M21.61M69.33M55.85M1.86M259.00K3.70M5.67M8.64M14.31M24.60M21.35M7.81M13.21M46.67M110.22M103.89M
Gross Profit860.00K935.00K1.24M1.55M2.25M13.28M14.82M17.28M19.83M22.67M25.66M31.79M38.11M42.68M46.87M49.39M59.79M16.75M11.86M51.99M55.91M53.32M55.29M61.99M71.58M95.92M105.53M113.83M121.11M127.62M173.86M249.97M
Gross Margin20.61%16.27%18.73%20.44%22.82%60.64%58.13%60.71%69.49%75.77%78.10%76.66%68.21%64.26%69.20%69.80%73.45%19.46%17.52%96.54%99.54%93.51%90.70%87.76%83.34%79.59%83.17%93.58%90.16%73.22%61.20%70.64%
Operating Expense-1.29M-1.76M-1.85M-2.03M-2.05M8.22M9.11M10.25M11.69M13.01M14.72M17.40M21.63M24.92M28.29M31.97M36.73M59.58M42.36M42.19M42.90M43.81M47.39M49.56M57.13M76.28M73.02M72.94M94.49M82.59M146.06M147.26M
Operating Income2.15M2.70M3.09M3.58M4.30M5.07M5.71M7.03M8.14M9.66M10.95M14.40M16.48M17.75M18.59M17.42M23.05M-42.83M-30.50M9.80M13.01M9.51M7.89M12.43M14.45M19.63M32.51M40.90M26.62M45.03M27.81M102.71M
Operating Margin51.65%46.91%46.62%47.18%43.55%23.13%22.39%24.70%28.53%32.28%33.31%34.71%29.50%26.73%27.44%24.62%28.32%-49.75%-45.04%18.19%23.16%16.68%12.95%17.59%16.82%16.29%25.62%33.62%19.82%25.84%9.79%29.03%
EBITDA2.37M2.96M3.42M3.94M4.74M5.59M6.44M7.86M9.01M10.67M12.14M15.82M18.21M19.59M20.88M20.05M25.98M-40.05M-27.89M12.62M15.85M12.41M10.85M15.69M18.09M25.18M39.08M46.20M31.24M49.37M37.50M116.68M
EBITDA Margin56.74%51.52%51.59%51.98%47.99%25.54%25.27%27.61%31.59%35.67%36.96%38.14%32.60%29.50%30.83%28.34%31.91%-46.52%-41.19%23.43%28.21%21.77%17.79%22.22%21.06%20.89%30.80%37.98%23.26%28.33%13.20%32.97%
Net Income1.64M1.95M2.25M2.61M3.12M3.75M4.17M5.09M5.92M6.98M7.77M9.99M11.63M12.56M13.10M13.37M16.58M-31.96M-38.45M10.00M29.14M7.87M6.63M8.09M12.80M16.92M26.46M32.88M22.04M35.66M22.05M80.86M
Net Income Margin39.19%34.00%33.96%34.34%31.60%17.14%16.36%17.89%20.73%23.33%23.65%24.08%20.82%18.91%19.35%18.90%20.37%-37.13%-56.79%18.58%51.88%13.81%10.87%11.45%14.91%14.04%20.86%27.03%16.41%20.46%7.76%22.85%
R&D-----------------0000000--------
R&D as % of Total Revenue-----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%--------
Interest Expense3.24M4.54M5.14M5.82M7.35M8.07M10.32M10.68M7.99M6.76M6.99M9.54M17.37M22.99M19.41M16.50M12.69M10.75M7.55M5.01M4.16M4.30M5.42M7.64M13.47M23.70M16.02M6.72M9.02M44.99M93.68M103.94M
Interest Expense % of Total Revenue77.68%79.03%77.64%76.73%74.44%36.86%40.46%37.52%27.99%22.59%21.26%23.00%31.09%34.61%28.65%23.32%15.59%12.49%11.15%9.31%7.40%7.54%8.89%10.82%15.68%19.66%12.63%5.53%6.72%25.81%32.98%29.37%

Balance Sheet

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets123.00M146.00M157.56M190.24M235.82M265.05M311.90M373.73M410.30M472.39M514.65M601.46M809.03M884.98M1.05B1.20B1.51B1.44B1.23B1.18B1.19B1.29B1.41B1.56B1.93B2.38B2.75B2.83B2.92B3.06B5.44B5.54B
Total Liabilities110.65M131.37M141.70M171.98M214.74M243.19M285.23M342.57M372.34M429.56M465.40M544.15M719.64M788.86M948.44M1.09B1.35B1.32B1.14B1.09B1.06B1.16B1.28B1.41B1.76B2.16B2.50B2.56B2.69B2.80B4.92B4.95B
Total Equity12.35M14.63M15.86M18.27M21.08M21.87M26.67M31.16M37.96M42.84M49.25M57.31M89.39M96.12M103.35M110.89M160.48M128.20M87.69M91.44M127.27M133.06M134.86M144.76M173.43M223.25M246.25M271.66M228.90M265.06M516.68M591.53M
Cash4.84M7.94M9.73M8.84M15.13M8.70M11.19M13.33M11.75M13.28M12.58M15.35M21.63M17.86M13.28M14.54M11.32M109.67M150.69M37.56M31.41M28.34M30.27M29.81M71.82M55.96M125.26M208.71M60.82M65.16M248.87M42.08M
Total Debt644.00K-2.34M8.33M27.06M36.23M39.94M61.40M49.35M66.63M74.56M76.44M74.14M134.03M182.29M162.77M153.03M88.81M47.12M75.11M101.55M113.65M112.03M177.39M179.38M404.65M166.77M58.76M261.83M179.38M209.91M336.37M
Net Debt-4.20M-7.94M-7.39M-503.00K11.94M27.53M28.75M48.07M37.60M53.35M61.98M61.10M52.52M116.18M169.01M148.23M141.70M-20.86M-103.57M37.55M70.14M85.31M81.75M147.58M107.56M348.69M-35.31M-174.85M77.34M114.22M-38.97M294.28M

Cash Flow

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.68M2.48M3.15M3.23M4.26M2.15M4.62M6.66M7.40M8.36M9.37M9.88M13.30M12.63M14.24M12.51M24.81M34.85M18.66M32.96M17.26M12.16M15.59M16.35M22.49M9.09M30.17M40.81M36.19M43.70M34.96M74.73M
Investing Cash Flow-10.58M-19.16M-10.86M-31.20M-38.79M-37.60M-40.06M-40.29M-53.94M-66.69M-39.73M-71.95M-72.65M-94.78M-158.55M-151.54M-322.87M94.96M195.73M-89.68M727.00K-107.35M-128.89M-145.89M-139.40M18.96M-292.35M-2.01M-270.99M-153.25M60.99M-181.96M
Financing Cash Flow8.16M18.73M9.23M28.63M40.81M28.94M40.92M56.55M28.42M55.57M34.10M77.55M63.16M61.44M152.68M134.16M295.65M-40.27M-173.37M-56.41M-24.14M92.12M115.24M129.08M175.92M-60.41M331.47M44.65M86.91M113.89M87.76M8.13M
Capital Expenditure691.00K266.00K1.18M1.54M491.00K2.07M3.15M512.00K1.64M2.26M3.18M1.60M5.17M7.71M7.58M787.00K610.00K1.45M1.60M1.87M859.00K1.47M13.37M2.65M4.79M2.91M1.30M1.25M895.00K2.29M1.58M4.24M
Free Cash Flow989.00K2.21M1.97M1.69M3.77M74.00K1.47M6.15M5.76M6.10M6.19M8.27M8.13M4.93M6.67M11.72M24.20M33.41M17.05M31.09M16.40M10.69M2.22M13.70M17.70M6.18M28.87M39.56M35.30M41.41M33.38M70.50M
Dividends Paid512.00K599.00K694.00K903.00K986.00K1.17M1.27M1.41M1.72M2.15M2.56M3.18M4.66M5.27M5.59M5.64M6.76M5.52M001.82M1.82M2.90M3.49M4.38M6.15M7.61M8.28M8.26M8.48M13.18M20.64M
FCF to OCF58.87%89.28%62.62%52.36%88.47%3.45%31.80%92.32%77.82%72.95%66.04%83.76%61.15%38.99%46.81%93.71%97.54%95.85%91.41%94.33%95.02%87.90%14.23%83.77%78.69%67.98%95.68%96.93%97.53%94.75%95.47%94.33%
Dividend Paid to FCF51.77%27.04%35.17%53.46%26.17%1574.32%86.39%22.94%29.91%35.22%41.31%38.39%57.34%106.98%83.83%48.07%27.93%16.53%0.00%0.00%11.11%17.05%130.66%25.47%24.72%99.53%26.36%20.93%23.41%20.49%39.48%29.28%

Earnings

Report DateMar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jul 30, 2009Oct 29, 2009Jan 28, 2010Apr 22, 2010Jul 22, 2010Oct 28, 2010Jan 27, 2011Apr 28, 2011Jul 28, 2011Oct 26, 2011Jan 25, 2012Apr 26, 2012Jul 26, 2012Oct 29, 2012Jan 23, 2013Apr 24, 2013Jul 24, 2013Oct 23, 2013Jan 22, 2014Apr 23, 2014Jul 23, 2014Oct 22, 2014Jan 21, 2015Apr 22, 2015Jul 22, 2015Oct 21, 2015Jan 28, 2016Apr 28, 2016Jul 28, 2016Oct 27, 2016Jan 26, 2017Apr 27, 2017Jul 26, 2017Oct 25, 2017Jan 24, 2018Apr 18, 2018Jul 18, 2018Oct 17, 2018Jan 23, 2019Apr 24, 2019Jul 24, 2019Oct 23, 2019Jan 21, 2020Apr 21, 2020Jul 21, 2020Oct 20, 2020Jan 20, 2021Apr 20, 2021Jul 20, 2021Oct 19, 2021Jan 19, 2022Apr 19, 2022Jul 19, 2022Oct 18, 2022Jan 24, 2023Apr 25, 2023Jul 25, 2023Oct 24, 2023Jan 23, 2024Apr 23, 2024Jul 23, 2024Oct 22, 2024Jan 31, 2025Apr 22, 2025Jul 22, 2025Oct 21, 2025Jan 27, 2026Apr 21, 2026Jul 21, 2026Oct 20, 2026
EPS Estimate------------------------------------------0.250.420.570.580.59-1.060.550.270.13-0.02-0.16-0.08-0.250.070.120.140.140.180.200.240.160.220.210.220.180.210.230.220.210.260.340.220.320.390.430.460.390.470.480.440.360.310.470.560.690.780.650.650.600.650.800.810.820.790.810.800.730.730.921.030.930.981.051.061.011.031.10
EPS Actual0.170.200.190.180.200.190.210.240.250.230.240.270.280.270.270.320.300.330.310.330.340.360.370.430.460.420.420.490.450.450.430.480.510.450.480.540.470.460.450.510.580.470.500.470.610.550.48-1.330.54-0.18-1.02-1.23-0.180.130.190.420.240.360.240.350.642.360.300.180.300.180.320.080.180.240.240.400.340.320.440.480.520.360.410.500.460.440.410.430.570.990.930.790.630.580.770.830.750.910.870.940.870.830.880.831.110.871.001.041.131.111.121.09-
Surprise------------------------------------------100.00%11.90%7.02%-5.17%-18.64%-25.47%-1.82%-166.67%-884.62%-6050.00%-12.50%262.50%176.00%500.00%100.00%157.14%71.43%94.44%220.00%883.33%87.50%-18.18%42.86%-18.18%77.78%-61.90%-21.74%9.09%14.29%53.85%0.00%45.45%37.50%23.08%20.93%-21.74%5.13%6.38%-4.17%0.00%13.89%38.71%21.28%76.79%34.78%1.28%-3.08%-10.77%28.33%27.69%-6.25%12.35%6.10%18.99%7.41%3.75%20.55%13.70%20.65%-15.53%7.53%6.12%7.62%4.72%10.89%5.83%-
Timing------------------------------------------After-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap815.90M
Enterprise Value975.47M
Trailing P/E9.38
Forward P/E8.89
PEG Ratio0.00
Price / Sales3.19
Price / Book1.30
EPS4.42
Book Value31.60
Revenue (TTM)255.38M
Gross Profit (TTM)255.38M
Profit Margin33.80%
Operating Margin44.08%
Return on Equity14.76%
Return on Assets1.57%
Shares Outstanding19.67M
Shares Float18.75M
Beta0.67
Dividend Yield2.87%
Dividend Rate1.20
Payout Ratio26.29%

Analyst Ratings

Buy
Based on 5 analystsTarget 45.75
  • Strong Buy
    2
  • Buy
    3

Ownership Breakdown

Institutions
60.71%
Insiders
3.71%
Retail / Other
35.58%

Top Institutional Holders

  • BlackRock Inc
    1.48M7.53%
  • Dimensional Fund Advisors, Inc.
    964.87K4.91%
  • Vanguard Capital Management, LLC
    817.62K4.16%
  • State Street Corp
    800.72K4.07%
  • American Century Companies Inc
    602.13K3.06%
  • Charles Schwab Investment Management Inc
    592.69K3.01%
  • Geode Capital Management, LLC
    531.43K2.70%
  • Nuveen, LLC
    337.97K1.72%
  • Two Sigma Investments LLC
    290.06K1.47%
  • Algert Global LLC
    287.64K1.46%
  • Vanguard Portfolio Management, LLC
    259.95K1.32%
  • Qube Research & Technologies
    250.22K1.27%
  • Manufacturers Life Insurance Co
    229.19K1.17%
  • Citadel Advisors Llc
    225.51K1.15%
  • The Goldman Sachs Group Inc
    218.69K1.11%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    592.62K3.01%
  • Avantis US Small Cap Value ETF
    568.64K2.89%
  • Schwab US Dividend Equity ETF™
    533.58K2.71%
  • iShares Russell 2000 ETF
    519.51K2.64%
  • Fidelity Small Cap Index
    208.76K1.06%

Dividends

20264×
0.30Nov 3, 20260.30Aug 4, 20260.30May 5, 20260.30Feb 10, 2026
20254×
0.27Nov 5, 20250.27Aug 5, 20250.26May 6, 20250.26Feb 14, 2025
20244×
0.23Nov 5, 20240.23Aug 8, 20240.20May 6, 20240.20Feb 5, 2024
20234×
0.20Nov 6, 20230.20Aug 7, 20230.20May 8, 20230.20Feb 6, 2023
20224×
0.19Oct 28, 20220.19Jul 29, 20220.19Apr 29, 20220.19Jan 31, 2022
20214×
0.19Oct 29, 20210.19Jul 30, 20210.18Apr 30, 20210.18Jan 29, 2021

Stock Splits

  • May 23, 200721:20
  • Jun 1, 200521:20
  • Feb 11, 20042:1
  • May 8, 200321:20
  • Jul 30, 200121:20
  • Nov 3, 199943:40
  • Nov 23, 19982:1