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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Orrstown Financial Services (NASDAQ: ORRF) is a Pennsylvania-based regional bank holding company operating community banking branches that offer deposits, loans, mortgage and wealth services. Long-term growth could be supported by local loan growth, net interest margin expansion, fee diversification and adoption of digital services.
Key risks include sensitivity to interest-rate cycles and regional economic weakness that could impair asset quality and deposits, plus competitive pressure from larger banks and fintechs and regulatory compliance costs.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 102.64M | 27.81M | 45.03M | 26.62M | 40.90M |
| Net income | 80.86M | 22.05M | 35.66M | 22.04M | 32.88M |
| Selling general administrative | 88.17M | 80.04M | 53.86M | 49.09M | 48.88M |
| Selling and marketing expenses | 2.29M | 2.59M | 2.16M | 2.26M | 2.18M |
| Gross profit | 249.97M | 173.86M | 127.62M | -4.67M | 110.11M |
| Reconciled depreciation | 15.27M | 9.69M | 4.28M | 1.10M | 1.27M |
| Ebit | 102.71M | 27.81M | 45.03M | 39.16M | 40.90M |
| Ebitda | 116.68M | 37.50M | 49.37M | 40.26M | 42.17M |
| Depreciation and amortization | 13.97M | 9.69M | 4.34M | 1.10M | 1.27M |
| Operating income | 102.71M | 27.81M | 45.03M | 39.16M | 40.90M |
| Other operating expenses | 251.15M | 256.28M | 129.26M | 2.26M | 75.23M |
| Interest expense | 103.94M | 93.68M | 44.99M | 9.02M | 6.72M |
| Tax provision | 21.78M | 5.76M | 9.58M | 4.58M | 8.01M |
| Interest income | 303.73M | 248.93M | 141.96M | 108.65M | 93.69M |
| Net interest income | 199.79M | 155.25M | 106.37M | 99.63M | 86.97M |
| Income tax expense | 21.78M | 5.76M | 9.37M | 4.58M | 8.01M |
| Total revenue | 353.86M | 284.09M | 174.30M | 1.29M | 116.13M |
| Total operating expenses | 147.26M | 146.06M | 82.59M | 2.26M | -75.23M |
| Cost of revenue | 103.89M | 110.22M | 46.67M | 5.95M | 6.02M |
| Total other income expense net | -0.07M | -49.16M | -96.60M | -12.54M | -44.60M |
| Net income from continuing ops | 80.86M | 22.05M | 37.65M | 22.04M | 32.88M |
| Net income applicable to common shares | - | - | - | 22.04M | 32.88M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 5542.26M | 5441.59M | 3069.33M | 2922.41M | 2834.57M |
| Intangible assets | 37.99M | 47.77M | 2.41M | 3.08M | 4.18M |
| Other current assets | 21.47M | - | 78.79M | -503.09M | 1615.79M |
| Total liab | 4950.72M | 4924.91M | 2804.28M | 2693.51M | 2562.91M |
| Total stockholder equity | 591.53M | 516.68M | 265.06M | 228.90M | 271.66M |
| Other current liab | 870.91M | 4623.10M | 1434.17M | -61.85M | -40.82M |
| Common stock | 1.03M | 1.03M | 0.58M | 0.58M | 0.59M |
| Capital stock | 1.03M | 1.03M | 0.58M | 0.58M | 0.59M |
| Retained earnings | 186.75M | 126.54M | 117.67M | 92.47M | 78.70M |
| Other liab | - | - | - | 40.09M | 28.79M |
| Good will | 69.75M | 68.11M | 18.72M | 18.72M | 18.72M |
| Other assets | 4333.26M | -10.49M | 0.00M | 1771.97M | 1615.79M |
| Cash | 42.08M | 248.87M | 65.16M | 60.82M | 208.71M |
| Total current liabilities | 895.45M | 4648.96M | 1567.81M | 61.85M | 40.82M |
| Net debt | 294.28M | -38.97M | 125.83M | 77.34M | -174.85M |
| Short term debt | 24.54M | 25.86M | 133.63M | 17.25M | 23.30M |
| Short long term debt total | 336.37M | 209.91M | 190.99M | 138.16M | 33.86M |
| Other stockholder equity | 418.96M | 415.43M | 175.28M | 175.75M | 187.92M |
| Property plant equipment | - | - | - | 29.33M | 34.05M |
| Total current assets | 1016.30M | 1099.64M | 78.79M | 585.58M | 689.38M |
| Long term investments | 952.74M | 829.71M | 513.52M | 513.73M | 472.44M |
| Net tangible assets | - | - | - | 207.09M | 248.75M |
| Short term investments | 952.74M | 829.71M | 513.52M | 513.73M | 472.44M |
| Net receivables | 21.47M | 21.06M | 13.63M | 11.03M | 8.23M |
| Long term debt | 311.82M | 184.04M | 169.59M | 138.16M | 33.86M |
| Inventory | - | - | 18.96M | - | - |
| Accounts payable | - | - | - | 61.85M | 40.82M |
| Accumulated other comprehensive income | -15.20M | -26.32M | -28.48M | -39.91M | 4.45M |
| Common stock total equity | - | - | - | 0.58M | 0.59M |
| Retained earnings total equity | - | - | - | 92.47M | 78.70M |
| Treasury stock | - | - | - | -13.51M | -1.77M |
| Non currrent assets other | -5066.25M | 244.07M | 2837.85M | -24.03M | -529.39M |
| Non current assets total | 192.70M | 4341.95M | 2990.54M | 564.86M | 529.39M |
| Long term debt total | - | - | - | 138.16M | 33.86M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -104.73M | 60.99M | -200.96M | -270.24M | -1.84M |
| Change to liabilities | - | - | - | 20.49M | 1.17M |
| Total cashflows from investing activities | -181.96M | 60.99M | -153.25M | -270.99M | -2.01M |
| Net borrowings | 125.58M | -14.37M | 23.89M | 98.19M | -52.31M |
| Total cash from financing activities | 8.13M | 87.76M | 113.89M | 86.91M | 44.65M |
| Change to operating activities | - | - | - | 20.49M | 1.17M |
| Net income | 80.86M | 22.05M | 35.66M | 22.04M | 32.88M |
| Change in cash | -99.10M | 183.71M | 4.34M | -147.89M | 83.45M |
| Begin period cash flow | 248.87M | 65.16M | 60.82M | 208.71M | 125.26M |
| End period cash flow | 149.77M | 248.87M | 65.16M | 60.82M | 208.71M |
| Total cash from operating activities | 74.73M | 34.96M | 43.70M | 36.19M | 40.81M |
| Depreciation | 15.27M | 9.69M | 4.34M | 4.62M | 5.30M |
| Other cashflows from investing activities | -73.00M | 14.31M | -143.87M | 0.14M | 1.08M |
| Dividends paid | 20.64M | 13.18M | 8.48M | 8.26M | 8.28M |
| Change to account receivables | 5.43M | -10.61M | 1.57M | -2.79M | 0.69M |
| Sale purchase of stock | -2.27M | -2.39M | -2.96M | -14.46M | -2.38M |
| Other cashflows from financing activities | -94.69M | 117.70M | 101.44M | 108.43M | -0.53M |
| Change to netincome | - | - | - | -15.77M | 3.37M |
| Capital expenditures | 4.24M | 1.58M | 2.29M | 0.90M | 1.25M |
| Change receivables | - | - | - | -2.79M | 0.69M |
| Cash flows other operating | - | - | - | 5.71M | -2.17M |
| Cash and cash equivalents changes | - | - | - | -147.89M | 83.45M |
| Change in working capital | -5.38M | -6.45M | -4.08M | 17.70M | 1.86M |
| Stock based compensation | 5.01M | 8.72M | 2.36M | 2.15M | 1.95M |
| Other non cash items | -27.03M | 1.81M | 6.07M | -9.73M | -2.13M |
| Free cash flow | 70.50M | 33.38M | 41.41M | 35.30M | 39.56M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| ORRF Orrstown Financial Services Inc |
-0.90 1.99% |
44.37 | 9.57 | 8.89 | 3.28 | 1.35 | 4.44 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.95 1.31% |
221.60 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.72 2.15% |
33.05 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
1.29 1.58% |
82.76 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
| 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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Basic Materials
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Communication Services
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Consumer Cyclical
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Consumer Defensive
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Energy
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Financial Services
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