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%
Orrstown Financial Services statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| Market Cap | $812.55M | $679.86M |
| Enterprise Value | $667.71M | $418.07M |
| PE Ratio | 9.28 | 12.00 |
| PS Ratio | 3.17 | 3.62 |
| PB Ratio | 1.31 | 1.18 |
| P/TBV Ratio | 1.57 | 1.42 |
| P/FCF Ratio | 9.48 | 10.93 |
| P/OCF Ratio | 9.26 | 10.04 |
Enterprise value
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| EV / Sales | 2.60 | 2.78 |
| EV / FCF | 7.79 | 8.40 |
Income (trailing twelve months)
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| Revenue | $256.54M | $170.85M |
| Pretax Income | $107.34M | $70.12M |
| Net Income | $86.32M | $54.33M |
| EPS (Diluted) | $4.45 | $2.90 |
Margins
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| Pretax Margin | 41.8% | 36.4% |
| Profit Margin | 33.6% | 29.1% |
| FCF Margin | 33.4% | 33.0% |
Returns
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| Return on Equity (ROE) | 14.8% | 10.5% |
| Return on Assets (ROA) | 1.57% | 1.12% |
Growth
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 3.15% | 11.8% |
| Net Income Growth (YoY) | 99.5% | 23.1% |
| FCF Growth (YoY) | 83.5% | 27.1% |
| Revenue Growth (3Y CAGR) | 24.0% | 5.82% |
| Revenue Growth (5Y CAGR) | 17.7% | 6.17% |
| EPS Growth (3Y CAGR) | 26.6% | 1.26% |
| EPS Growth (5Y CAGR) | 11.7% | 8.24% |
Balance sheet
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $144.84M | $205.54M |
| Net Cash (Debt) | $144.84M | $164.40M |
| Net Cash Per Share | $7.36 | $8.13 |
| Equity (Book Value) | $621.65M | $560.44M |
| Book Value Per Share | $31.60 | $28.47 |
| Tangible Book Value | $518.33M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| Operating Cash Flow | $87.79M | $61.20M |
| Capital Expenditures | -$2.10M | -$4.02M |
| Free Cash Flow | $85.69M | $52.43M |
| FCF Per Share | $4.36 | $3.07 |
Efficiency
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| Asset Turnover | 0.05 | 0.04 |
| Revenue Per Employee | $85.51M | $357.09K |
| Profits Per Employee | $28.77M | $107.23K |
| Employee Count | 3 | 528 |
Dividends and yields
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| Earnings Yield | 10.6% | 8.07% |
| FCF Yield | 10.5% | 8.89% |
| Dividend Yield | 2.57% | 2.48% |
| Buyback Yield | 0.08% | 1.52% |
| Shareholder Yield | 2.64% | 3.13% |
| Dividend Per Share | $1.06 | $0.93 |
| Dividend Growth (YoY) | 23.3% | 4.26% |
| Years of Dividend Growth | 11 | 2 |
| Payout Ratio | 25.8% | 29.4% |
| FCF Payout Ratio | 26.0% | 26.0% |
Shares
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| Shares Outstanding | 19,669,600 | 18,910,300 |
| Shares Change (YoY) | 0.47% | 0.39% |
| Shares Change (QoQ) | 0.30% | 0.00% |
| Float | 19,435,100 | 16,895,350 |
| Shares Held by Insiders | 1.19% | 5.92% |
| Shares Held by Institutions | 59.4% | 61.9% |
Taxes
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| Income Tax | $21.01M | $14.50M |
| Effective Tax Rate | 19.6% | 21.1% |
Scores
| Measure | Orrstown Financial Services | Industry median |
|---|---|---|
| Graham Number | $56.25 | $45.31 |
| Graham Upside | 36.2% | 21.6% |
| Altman Z-Score | 0.20 | 0.21 |
| Piotroski F-Score | 4 | 6 |
Calculated by StockData from Orrstown Financial Services's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.