ORRFNasdaqState Commercial BanksFiscal year ends December 31
ORRSTOWN FINANCIAL SERVICES INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$41.31−0.35 (-0.84%)
Close on Oct 19, 2026
- Market cap
- $802.74M
- P/E (TTM)
- 9.3
- Dividend yield
- 2.57%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
217.7%+57.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +36.0% | +24.0% | +17.7% | -3.6% | |
| Net income | +266.7% | +54.2% | +25.0% | +26.2% | |
| EPS, diluted | +182.4% | +26.6% | +11.7% | +15.7% | |
| Free cash flow | +111.2% | +25.9% | +19.6% | +20.8% | |
| Dividend per share | +23.3% | +11.7% | +9.3% | +17.0% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 4.9% | 11.3% | 14.6% | |
| Return on assets | 0.5% | 1.0% | 1.5% | |
| Capex to revenue | 23.8% | 7.9% | 11.4% | |
| Diluted shares | 8M | 11M | 19M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Orrstown Financial Services generated $230.40M from operations and spent $88.00M on capital expenditure, dividends and share buybacks. 12% of that went back into the business.
Generated
$230.40M
Used
$88.00M
Capital expenditure$10.26M12%Dividends$58.85M67%Share buybacks$18.89M21%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin217.7%
×Asset turnover0.01×
×Equity multiplier9.91×
=Return on equity, FY202514.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 217.7% | 0.01× | 9.91× | 14.6% |
| FY2024 | 80.7% | 0.01× | 10.88× | 5.6% |
| FY2023 | 183.1% | 0.01× | 12.12× | 14.4% |
| FY2022 | 113.2% | 0.01× | 11.50× | 8.8% |
| FY2021 | 173.7% | 0.01× | 10.78× | 12.7% |
| FY2020 | 160.6% | 0.01× | 10.93× | 11.3% |
| FY2019 | 94.3% | 0.01× | 10.88× | 8.5% |
| FY2018 | 85.3% | 0.01× | 10.98× | 8.0% |
| FY2017 | 12.7% | 0.04× | 10.63× | 5.8% |
| FY2016 | 11.8% | 0.04× | 10.10× | 4.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$80.86M
- Cash generatingOperating cash flow above zero$74.73M
- Return on assets improvedROA up on the prior year0.7% → 1.5%
- Earnings backed by cashOperating cash flow above net income$74.73M vs $80.86M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise15M → 19M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.01 → 0.01