What is Orrstown Finl Svcs Inc's earnings per share (EPS)?

Orrstown Finl Svcs Inc (ORRF) reported diluted earnings per share of $4.18 for fiscal year 2025. This represents a 182.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Orrstown Finl Svcs Inc Financials

ORRF

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Orrstown Finl Svcs Inc (ORRF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 59/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Orrstown Finl Svcs Inc's revenue surged 36.0% year-over-year to $37.1M, reflecting rapid business expansion. This strong growth earns a score of 93/100.

Leverage

Orrstown Finl Svcs Inc has elevated debt relative to equity (D/E of 8.37), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Orrstown Finl Svcs Inc converts 189.8% of revenue into free cash flow ($70.5M). This strong cash generation earns a score of 100/100.

Returns

Orrstown Finl Svcs Inc's ROE of 13.7% shows moderate profitability relative to equity, earning a score of 41/100. This is up from 4.3% the prior year.

Piotroski F-Score Neutral

4/9

Orrstown Finl Svcs Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

0.92x

For every $1 of reported earnings, Orrstown Finl Svcs Inc generates $0.92 in operating cash flow ($74.7M OCF vs $80.9M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$37.1M

YoY+36.0%

5Y CAGR+17.7%

10Y CAGR-0.4%

Orrstown Finl Svcs Inc generated $37.1M in revenue in fiscal year 2025. This represents an increase of 36.0% from the prior year.

EBITDA

N/A

Net Income

$80.9M

YoY+266.7%

5Y CAGR+25.0%

10Y CAGR+26.2%

Orrstown Finl Svcs Inc reported $80.9M in net income in fiscal year 2025. This represents an increase of 266.7% from the prior year.

EPS (Diluted)

$4.18

YoY+182.4%

5Y CAGR+11.7%

10Y CAGR+15.7%

Orrstown Finl Svcs Inc earned $4.18 per diluted share (EPS) in fiscal year 2025. This represents an increase of 182.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$70.5M

YoY+111.2%

5Y CAGR+19.6%

10Y CAGR+20.8%

Orrstown Finl Svcs Inc generated $70.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 111.2% from the prior year.

Cash & Debt

$149.8M

YoY-39.8%

5Y CAGR+3.6%

Orrstown Finl Svcs Inc held $149.8M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.06

YoY+23.3%

5Y CAGR+9.3%

10Y CAGR+17.0%

Orrstown Finl Svcs Inc paid $1.06 per share in dividends in fiscal year 2025. This represents an increase of 23.3% from the prior year.

Shares Outstanding

20M

YoY+0.6%

5Y CAGR+11.7%

10Y CAGR+9.0%

Orrstown Finl Svcs Inc had 20M shares outstanding in fiscal year 2025. This represents an increase of 0.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

217.7%

YoY+136.9pp

5Y CAGR+57.1pp

10Y CAGR+197.3pp

Orrstown Finl Svcs Inc's net profit margin was 217.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 136.9 percentage points from the prior year.

Return on Equity

13.7%

YoY+9.4pp

5Y CAGR+2.9pp

10Y CAGR+7.7pp

Orrstown Finl Svcs Inc's ROE was 13.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 9.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$263K

5Y CAGR-25.8%

10Y CAGR-10.6%

Orrstown Finl Svcs Inc spent $263K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$4.2M

YoY+167.7%

5Y CAGR+26.6%

10Y CAGR+11.2%

Orrstown Finl Svcs Inc invested $4.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 167.7% from the prior year.

ORRF Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$37.1M+36.0%	$27.3M+40.2%	$19.5M+0.1%	$19.5M+2.8%	$18.9M+14.9%	$16.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$103.9M+11.0%	$93.7M+108.2%	$45.0M+398.6%	$9.0M+34.3%	$6.7M-58.1%	$16.0M
Income Tax	$21.8M+278.4%	$5.8M-38.6%	$9.4M+104.6%	$4.6M-42.9%	$8.0M+32.5%	$6.0M
Net Income	$80.9M+266.7%	$22.1M-38.2%	$35.7M+61.8%	$22.0M-33.0%	$32.9M+24.3%	$26.5M
EPS (Diluted)	$4.18+182.4%	$1.48-56.7%	$3.42+66.0%	$2.06-30.4%	$2.96+23.3%	$2.40

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	N/A	$77.1M+3.1%	$74.8M-0.9%	$75.5M	N/A	$83.0M+91.7%	$43.3M+1.5%	$42.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$26.1M+3.2%	$25.3M-5.4%	$26.8M	N/A	$31.3M+82.2%	$17.2M+8.9%	$15.8M
Income Tax	N/A	$5.8M+10.6%	$5.3M+11.5%	$4.7M	N/A	-$2.0M-195.6%	$2.1M-5.7%	$2.2M
Net Income	N/A	$21.9M+12.4%	$19.4M+7.7%	$18.1M	N/A	-$7.9M-202.1%	$7.7M-9.3%	$8.5M
EPS (Diluted)	N/A	$1.13+11.9%	$1.01+8.6%	$0.93	N/A	$-0.41-156.2%	$0.73-9.9%	$0.81

ORRF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$5.5B+1.8%	$5.4B+77.6%	$3.1B+4.9%	$2.9B+3.1%	$2.8B+3.1%	$2.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$149.8M-39.8%	$248.9M+281.9%	$65.2M+7.1%	$60.8M-70.9%	$208.7M+66.6%	$125.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$1.3M+67.3%	$777K+11.5%	$697K+8.7%	$641K-8.7%	$702K+6.2%	$661K
Goodwill	$69.8M+2.4%	$68.1M+263.7%	$18.7M0.0%	$18.7M0.0%	$18.7M0.0%	$18.7M
Total Liabilities	$5.0B+0.5%	$4.9B+75.9%	$2.8B+3.9%	$2.7B+5.1%	$2.6B+2.3%	$2.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	$40.0M+2649.1%	$1.5M-23.3%	$1.9M-18.1%	$2.3M
Total Equity	$591.5M+14.5%	$516.7M+94.9%	$265.1M+15.8%	$228.9M-15.7%	$271.7M+10.3%	$246.2M
Retained Earnings	$186.8M+47.6%	$126.5M+7.5%	$117.7M+27.2%	$92.5M+17.5%	$78.7M+45.5%	$54.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$5.5B+1.3%	$5.5B+1.5%	$5.4B-1.0%	$5.4B0.0%	$5.4B-0.5%	$5.5B+71.0%	$3.2B+0.5%	$3.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$149.8M-18.7%	$184.1M+23.3%	$149.4M-48.0%	$287.1M+15.4%	$248.9M+5.1%	$236.8M+78.7%	$132.5M-27.5%	$182.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$1.3M	N/A	N/A	N/A	$777K	N/A	N/A	N/A
Goodwill	$69.8M0.0%	$69.8M0.0%	$69.8M+2.4%	$68.1M0.0%	$68.1M-3.6%	$70.7M+277.3%	$18.7M0.0%	$18.7M
Total Liabilities	$5.0B+1.1%	$4.9B+1.2%	$4.8B-1.4%	$4.9B-0.3%	$4.9B-0.6%	$5.0B+69.6%	$2.9B+0.3%	$2.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$591.5M+3.4%	$571.9M+4.3%	$548.4M+2.9%	$532.9M+3.1%	$516.7M+0.1%	$516.2M+85.4%	$278.4M+2.5%	$271.7M
Retained Earnings	$186.8M+9.5%	$170.5M+10.8%	$153.9M+10.3%	$139.5M+10.3%	$126.5M+7.9%	$117.3M-9.5%	$129.7M+4.5%	$124.1M

ORRF Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$74.7M+113.8%	$35.0M-20.0%	$43.7M+20.7%	$36.2M-11.3%	$40.8M+35.3%	$30.2M
Capital Expenditures	$4.2M+167.7%	$1.6M-31.0%	$2.3M+156.2%	$895K-28.6%	$1.3M-3.8%	$1.3M
Free Cash Flow	$70.5M+111.2%	$33.4M-19.4%	$41.4M+17.3%	$35.3M-10.8%	$39.6M+37.0%	$28.9M
Investing Cash Flow	-$182.0M-398.3%	$61.0M+139.8%	-$153.2M+43.4%	-$271.0M-13362.0%	-$2.0M+99.3%	-$292.6M
Financing Cash Flow	$8.1M-90.7%	$87.8M-22.9%	$113.9M+31.0%	$86.9M+94.6%	$44.7M-86.5%	$331.7M
Dividends Paid	$20.6M+56.7%	$13.2M+55.3%	$8.5M+2.7%	$8.3M-0.2%	$8.3M+8.8%	$7.6M
Share Buybacks	$263K	$0-100.0%	$2.6M-81.8%	$14.2M+658.3%	$1.9M+59.7%	$1.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$16.5M-27.7%	$22.8M-6.8%	$24.5M+123.5%	$11.0M+31.0%	$8.4M+11.5%	$7.5M+16.5%	$6.4M-49.2%	$12.7M
Capital Expenditures	$624K+23.3%	$506K-35.9%	$790K-65.9%	$2.3M+106.9%	$1.1M+208.3%	$363K+881.1%	$37K-41.3%	$63K
Free Cash Flow	$15.9M-28.9%	$22.3M-5.8%	$23.7M+174.2%	$8.6M+19.3%	$7.2M+1.5%	$7.1M+11.5%	$6.4M-49.3%	$12.6M
Investing Cash Flow	-$98.2M-139.5%	-$41.0M+50.3%	-$82.6M-307.1%	$39.9M+23.3%	$32.3M-68.3%	$102.0M+259.5%	-$63.9M-581.6%	-$9.4M
Financing Cash Flow	$47.4M-10.6%	$53.0M+166.5%	-$79.7M-533.6%	-$12.6M+56.0%	-$28.6M-451.3%	-$5.2M-171.2%	$7.3M-93.6%	$114.3M
Dividends Paid	$5.3M+0.1%	$5.3M+3.7%	$5.1M+0.6%	$5.0M+13.2%	$4.5M0.0%	$4.5M+107.9%	$2.1M+0.9%	$2.1M
Share Buybacks	$169K+482.8%	$29K	N/A	N/A	$0	$0	$0	$0

ORRF Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	217.7%+136.9pp	80.7%-102.3pp	183.1%+69.9pp	113.2%-60.4pp	173.7%+13.1pp	160.6%
Return on Equity	13.7%+9.4pp	4.3%-9.2pp	13.5%+3.8pp	9.6%-2.5pp	12.1%+1.3pp	10.8%
Return on Assets	1.5%+1.0pp	0.4%-0.7pp	1.2%+0.4pp	0.8%-0.4pp	1.2%+0.2pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.37-1.2	9.53+9.4	0.15+0.1	0.010.0	0.010.0	0.01
FCF Margin	189.8%+67.6pp	122.2%-90.4pp	212.6%+31.2pp	181.3%-27.6pp	208.9%+33.7pp	175.2%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	28.3%+2.4pp	26.0%+2.1pp	23.9%	N/A	-9.5%-27.4pp	17.9%-2.1pp	20.0%
Return on Equity	N/A	3.8%+0.3pp	3.5%+0.2pp	3.4%	N/A	-1.5%-4.3pp	2.8%-0.4pp	3.1%
Return on Assets	N/A	0.4%+0.0pp	0.4%+0.0pp	0.3%	N/A	-0.1%-0.4pp	0.2%-0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.37-0.2	8.56-0.3	8.82-0.4	9.21-0.3	9.53-0.1	9.60-0.9	10.49-0.2	10.72
FCF Margin	N/A	28.9%-2.7pp	31.6%+20.2pp	11.4%	N/A	8.6%-6.2pp	14.8%-14.8pp	29.6%

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Frequently Asked Questions

What is Orrstown Finl Svcs Inc's annual revenue?

Orrstown Finl Svcs Inc (ORRF) reported $37.1M in total revenue for fiscal year 2025. This represents a 36.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Orrstown Finl Svcs Inc's revenue growing?

Orrstown Finl Svcs Inc (ORRF) revenue grew by 36% year-over-year, from $27.3M to $37.1M in fiscal year 2025.

Is Orrstown Finl Svcs Inc profitable?

Yes, Orrstown Finl Svcs Inc (ORRF) reported a net income of $80.9M in fiscal year 2025, with a net profit margin of 217.7%.

What is Orrstown Finl Svcs Inc's net profit margin?

Orrstown Finl Svcs Inc (ORRF) had a net profit margin of 217.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Orrstown Finl Svcs Inc pay dividends?

Yes, Orrstown Finl Svcs Inc (ORRF) paid $1.06 per share in dividends during fiscal year 2025.

What is Orrstown Finl Svcs Inc's return on equity (ROE)?

Orrstown Finl Svcs Inc (ORRF) has a return on equity of 13.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Orrstown Finl Svcs Inc's free cash flow?

Orrstown Finl Svcs Inc (ORRF) generated $70.5M in free cash flow during fiscal year 2025. This represents a 111.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Orrstown Finl Svcs Inc's operating cash flow?

Orrstown Finl Svcs Inc (ORRF) generated $74.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Orrstown Finl Svcs Inc's total assets?

Orrstown Finl Svcs Inc (ORRF) had $5.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Orrstown Finl Svcs Inc's capital expenditures?

Orrstown Finl Svcs Inc (ORRF) invested $4.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Orrstown Finl Svcs Inc buy back shares?

Yes, Orrstown Finl Svcs Inc (ORRF) spent $263K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Orrstown Finl Svcs Inc have outstanding?

Orrstown Finl Svcs Inc (ORRF) had 20M shares outstanding as of fiscal year 2025.

What is Orrstown Finl Svcs Inc's debt-to-equity ratio?

Orrstown Finl Svcs Inc (ORRF) had a debt-to-equity ratio of 8.37 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Orrstown Finl Svcs Inc's return on assets (ROA)?

Orrstown Finl Svcs Inc (ORRF) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Orrstown Finl Svcs Inc's Piotroski F-Score?

Orrstown Finl Svcs Inc (ORRF) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Orrstown Finl Svcs Inc's earnings high quality?

Orrstown Finl Svcs Inc (ORRF) has an earnings quality ratio of 0.92x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Orrstown Finl Svcs Inc?

Orrstown Finl Svcs Inc (ORRF) scores 59 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.