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Complete financial analysis of Orrstown Financial Services, Inc. (ORRF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Orrstown Financial Services, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Orrstown Financial Services, Inc. (ORRF)
About Orrstown Financial Services, Inc.
Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits. It 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 comprising home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, the company provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as provides other fiduciary services under the Orrstown Financial Advisors name; and offers retail brokerage services through a third-party broker/dealer arrangement. Further, it offers investment advisory, insurance, and brokerage services. The company operates through offices in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York counties, Pennsylvania; and Anne Arundel, Baltimore, Howard, and Washington counties, Maryland, as well as Baltimore City, Maryland. Orrstown Financial Services, Inc. was founded in 1919 and is based in Shippensburg, Pennsylvania.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 149.90M | 1.29M | 116.13M | 111.92M | 97.84M | 73.22M | 63.76M | 56.28M | 53.51M | 52.88M | 49.90M | 61.15M | 76.23M | 69.53M | 54.46M | 48.32M | 43.43M | 38.50M | 31.94M | 25.88M | 23.16M | 20.55M | 17.78M | 15.18M | 13.83M | 2.52M | 1.77M | 1.52M | 1.21M | 931.00K |
| Cost of Revenue | 6.10M | 5.95M | 6.02M | 6.66M | 5.69M | 4.36M | 3.56M | 4.19M | 4.16M | 5.09M | 5.15M | 5.95M | 6.92M | 6.62M | 10.23M | 8.10M | 6.47M | 8.61M | 8.14M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 143.79M | -4.67M | 110.11M | 105.26M | 92.15M | 68.86M | 60.19M | 52.09M | 49.35M | 47.79M | 44.74M | 55.21M | 69.31M | 62.91M | 44.24M | 40.23M | 36.96M | 29.89M | 23.80M | 25.88M | 23.16M | 20.55M | 17.78M | 15.18M | 13.83M | 2.52M | 1.77M | 1.52M | 1.21M | 931.00K |
| Gross Profit Ratio | 95.93% | -362.55% | 94.82% | 94.05% | 94.19% | 94.04% | 94.41% | 92.55% | 92.23% | 90.38% | 89.67% | 90.28% | 90.92% | 90.48% | 81.22% | 83.25% | 85.11% | 77.63% | 74.51% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 53.86M | 49.09M | 48.88M | 47.61M | 44.27M | 35.88M | 33.02M | 30.52M | 26.94M | 26.96M | 26.07M | 23.80M | 21.75M | 20.40M | 17.11M | 15.86M | 14.74M | 13.02M | 9.26M | 7.91M | 6.79M | 5.99M | 5.15M | 4.76M | 4.30M | 3.49M | 2.90M | 2.62M | 2.33M | 2.12M |
| Selling & Marketing | 2.16M | 2.26M | 2.18M | 1.66M | 1.97M | 1.59M | 1.60M | 1.72M | 1.56M | 1.20M | 1.25M | 1.41M | 1.25M | 456.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 2.16M | 51.35M | 51.06M | 49.27M | 46.24M | 37.47M | 34.62M | 32.24M | 28.51M | 28.15M | 27.32M | 25.21M | 22.99M | 20.85M | 17.11M | 15.86M | 14.74M | 13.02M | 9.26M | 7.91M | 6.79M | 5.99M | 5.15M | 4.76M | 4.30M | 3.49M | 2.90M | 2.62M | 2.33M | 2.12M |
| Other Expenses | 0.00 | -20.56M | -126.29M | -128.68M | -124.44M | -83.71M | -12.28M | -13.33M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -27.42M | -18.09M | -10.96M | 21.63M | 17.40M | -15.85M | -13.53M | -10.42M | -5.23M | -3.91M | -4.99M | 5.63M | 4.74M | 4.09M | 3.71M | 2.35M |
| Operating Expenses | 2.16M | 2.26M | -75.23M | -79.41M | -78.20M | -44.51M | 1.60M | 1.72M | 1.56M | 1.20M | 1.25M | 1.41M | 1.25M | 1.21M | -10.31M | -2.23M | 3.78M | 21.63M | 17.40M | -7.94M | -6.74M | -4.42M | -74.00K | 845.00K | -691.00K | 9.12M | 7.64M | 6.71M | 6.03M | 4.47M |
| Cost & Expenses | 8.26M | 2.26M | -75.23M | -79.41M | -78.20M | -44.51M | 5.16M | 5.91M | 5.72M | 6.28M | 6.40M | 7.36M | 8.16M | 7.82M | 10.23M | 8.10M | 6.47M | 30.24M | 25.54M | -7.94M | -6.74M | -4.42M | -74.00K | 845.00K | -691.00K | 9.12M | 7.64M | 6.71M | 6.03M | 4.47M |
| Interest Income | 149.90M | 108.65M | 93.70M | 99.63M | 92.99M | 64.84M | 51.02M | 41.96M | 38.64M | 38.18M | 37.10M | 45.44M | 60.36M | 58.42M | 53.07M | 52.31M | 53.11M | 44.79M | 32.42M | 25.89M | 23.48M | 23.17M | 23.98M | 21.76M | 18.32M | 16.11M | 13.45M | 11.98M | 10.83M | 8.57M |
| Interest Expense | 44.99M | 9.02M | 6.72M | 16.02M | 23.70M | 13.47M | 7.64M | 5.42M | 4.30M | 4.16M | 5.01M | 7.55M | 10.75M | 12.69M | 16.50M | 19.41M | 22.99M | 17.37M | 9.54M | 6.99M | 6.76M | 7.99M | 10.68M | 10.32M | 8.07M | 7.35M | 5.82M | 5.14M | 4.54M | 3.24M |
| Depreciation & Amortization | 4.34M | 3.21M | 3.58M | 4.77M | 4.27M | 2.89M | 2.65M | 2.31M | 2.91M | 2.84M | 2.82M | 2.61M | 19.66M | 2.92M | 3.76M | 2.30M | 1.84M | 1.73M | 1.42M | 1.20M | 1.01M | 874.00K | 828.00K | 735.00K | 528.00K | 438.00K | 364.00K | 329.00K | 265.00K | 212.00K |
| EBITDA | 0.00 | 100.44M | 85.50M | 39.08M | 0.00 | 18.09M | 0.00 | 0.00 | 0.00 | 31.90M | 0.00 | 0.00 | 0.00 | 25.43M | 16.23M | 15.44M | 13.25M | 19.56M | 0.00 | 13.50M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 0.00% | 3,128.21% | 36.31% | 30.45% | 21.67% | 43.09% | 36.60% | 28.89% | 31.24% | 37.84% | 35.33% | -33.26% | -38.43% | 55.61% | 69.18% | 83.37% | 98.04% | 92.42% | 79.40% | 73.93% | 75.25% | 82.73% | 104.24% | 110.41% | 98.82% | 478.99% | 553.00% | 563.88% | 622.66% | 602.36% |
| Operating Income | 141.64M | 39.16M | 40.90M | 32.51M | 19.63M | 27.91M | 45.85M | 36.05M | 32.91M | 31.90M | 30.69M | 38.08M | 52.20M | 50.60M | 33.92M | 37.99M | 40.74M | 784.00K | 320.00K | 17.93M | 16.42M | 16.13M | 17.71M | 16.03M | 13.14M | 11.65M | 9.40M | 8.23M | 7.24M | 5.40M |
| Operating Income Ratio | 94.49% | 3,042.35% | 35.22% | 29.05% | 20.07% | 38.12% | 71.91% | 64.06% | 61.50% | 60.33% | 61.52% | 62.27% | 68.48% | 72.77% | 62.29% | 78.62% | 93.82% | 2.04% | 1.00% | 69.31% | 70.88% | 78.47% | 99.58% | 105.57% | 95.00% | 461.63% | 532.39% | 542.19% | 600.66% | 579.59% |
| Total Other Income/Expenses | -96.60M | -26.90M | -10.63M | -11.94M | -10.22M | -3.94M | -1.08M | -2.20M | 768.00K | -7.84M | 0.00 | -30.50M | -63.22M | 0.00 | 1.19M | 3.14M | 4.51M | -3.86M | 0.00 | 0.00 | -6.76M | -7.99M | -10.68M | -10.32M | -8.07M | -7.35M | -5.82M | -5.14M | -4.54M | -3.24M |
| Income Before Tax | 45.03M | 26.62M | 40.90M | 32.51M | 19.63M | 14.45M | 12.43M | 7.89M | 9.51M | 13.01M | 9.80M | -30.50M | -42.83M | 23.05M | 17.42M | 18.59M | 17.76M | 16.48M | 14.40M | 10.95M | 9.66M | 8.14M | 7.03M | 5.71M | 5.07M | 4.30M | 3.58M | 3.09M | 2.70M | 2.16M |
| Income Before Tax Ratio | 30.04% | 2,068.07% | 35.22% | 29.05% | 20.07% | 19.73% | 19.49% | 14.03% | 17.77% | 24.60% | 19.64% | -49.88% | -56.18% | 33.15% | 31.99% | 38.46% | 40.89% | 42.81% | 45.08% | 42.31% | 41.70% | 39.61% | 39.54% | 37.60% | 36.63% | 170.39% | 202.72% | 203.43% | 223.73% | 231.47% |
| Income Tax Expense | 9.37M | 4.58M | 8.01M | 6.05M | 2.71M | 1.64M | 4.34M | 1.27M | 1.63M | -16.13M | -206.00K | 7.96M | -10.86M | 6.47M | 4.05M | 5.48M | 5.20M | 4.85M | 4.41M | 3.18M | 2.68M | 2.23M | 1.94M | 1.54M | 1.31M | 1.18M | 974.00K | 838.00K | 742.00K | 520.00K |
| Net Income | 35.66M | 22.04M | 32.88M | 26.46M | 16.92M | 12.81M | 8.09M | 6.63M | 7.87M | 29.14M | 10.00M | -38.45M | -31.96M | 16.58M | 13.37M | 13.10M | 12.56M | 11.63M | 9.99M | 7.77M | 6.98M | 5.92M | 5.09M | 4.17M | 3.76M | 3.12M | 2.61M | 2.25M | 1.95M | 1.64M |
| Net Income Ratio | 23.79% | 1,712.28% | 28.31% | 23.65% | 17.30% | 17.49% | 12.69% | 11.78% | 14.71% | 55.11% | 20.05% | -62.88% | -41.93% | 23.85% | 24.55% | 27.12% | 28.92% | 30.21% | 31.27% | 30.03% | 30.14% | 28.79% | 28.64% | 27.48% | 27.15% | 123.62% | 147.57% | 148.19% | 162.16% | 175.62% |
| EPS | 3.45 | 2.09 | 3.00 | 2.42 | 1.63 | 1.53 | 1.00 | 0.82 | 0.97 | 3.59 | 1.24 | -4.77 | -3.98 | 2.18 | 2.09 | 2.04 | 1.95 | 1.87 | 1.76 | 1.38 | 1.25 | 1.07 | 0.93 | 0.77 | 0.70 | 0.58 | 0.49 | 0.42 | 0.36 | 0.31 |
| EPS Diluted | 3.42 | 2.06 | 2.96 | 2.40 | 1.61 | 1.50 | 0.98 | 0.81 | 0.97 | 3.59 | 1.24 | -4.77 | -3.98 | 2.17 | 2.07 | 1.94 | 1.86 | 1.79 | 1.69 | 1.33 | 1.22 | 1.05 | 0.92 | 0.77 | 0.70 | 0.58 | 0.49 | 0.42 | 0.36 | 0.31 |
| Weighted Avg Shares Out | 10.34M | 10.55M | 10.97M | 10.94M | 10.36M | 8.37M | 8.09M | 8.08M | 8.12M | 8.12M | 8.09M | 8.06M | 8.03M | 7.61M | 6.41M | 6.42M | 6.44M | 6.22M | 5.67M | 5.63M | 5.57M | 5.53M | 5.48M | 5.42M | 5.38M | 5.36M | 5.36M | 5.36M | 5.36M | 5.25M |
| Weighted Avg Shares Out (Dil) | 10.44M | 10.71M | 11.11M | 11.03M | 10.51M | 8.54M | 8.23M | 8.15M | 8.14M | 8.12M | 8.09M | 8.07M | 8.03M | 7.64M | 6.46M | 6.76M | 6.75M | 6.50M | 5.92M | 5.84M | 5.75M | 5.66M | 5.55M | 5.42M | 5.38M | 5.36M | 5.36M | 5.36M | 5.36M | 5.25M |
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Does Orrstown Financial Services (ORRF) have what it takes to be a top stock pick for momentum investors? Let's find out.
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Orrstown (ORRF) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
Orrstown Financial Services (ORRF) Surpasses Q3 Earnings and Revenue Estimates
Orrstown Financial Services (ORRF) came out with quarterly earnings of $1.11 per share, beating the Zacks Consensus Estimate of $0.91 per share. This compares to earnings of $0.87 per share a year ago.
Orrstown Financial Services, Inc. Reports Third Quarter 2024 Results
Orrstown Financial Services, Inc. ("Orrstown" or the “Company”) closed the merger of equals transaction with Codorus Valley Bancorp, Inc. ("Codorus") on July 1, 2024, creating a premier Pennsylvania and Maryland community bank; as a result, the Company's results for the...
Orrstown Financial Services: Well-Positioned For Dividend Seeking Investors
Orrstown Financial Services is favored by dividend investors for its earnings stability, strong asset quality, and consistent returns despite external factors like interest rates. ORRF faces challenges with rising deposit interest expenses and low loan portfolio growth, but maintains excellent...
Are You Looking for a High-Growth Dividend Stock?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes?
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Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes?
Why Orrstown Financial Services (ORRF) is a Top Dividend Stock for Your Portfolio
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes?
Orrstown Financial Services (ORRF) is a Top Dividend Stock Right Now: Should You Buy?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes?
This is Why Orrstown Financial Services (ORRF) is a Great Dividend Stock
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown Financial Services (ORRF) have what it takes?
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