See more : DR LALCHANDANI LABS LIMITED (DLCL.BO) Income Statement Analysis – Financial Results
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 |
Here's Why Orrstown (ORRF) is Poised for a Turnaround After Losing 6.1% in 4 Weeks
The heavy selling pressure might have exhausted for Orrstown (ORRF) as it is technically in oversold territory now. In addition to this technical measure, strong agreement among Wall Street analysts in revising earnings estimates higher indicates that the stock is...
Orrstown Financial Services (ORRF) Q4 Earnings Miss Estimates
Orrstown (ORRF) delivered earnings and revenue surprises of -11.76% and 4.79%, respectively, for the quarter ended December 2021. Do the numbers hold clues to what lies ahead for the stock?
Why Orrstown Financial Services (ORRF) Might Surprise This Earnings Season
Orrstown Financial Services (ORRF) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.
Orrstown Financial Services (ORRF) Expected to Beat Earnings Estimates: Should You Buy?
Orrstown (ORRF) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Is a Surprise Coming for Orrstown Financial (ORRF) This Earnings Season?
Orrstown Financial (ORRF) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.
Orrstown Financial Services (ORRF) Beats Q3 Earnings and Revenue Estimates
Orrstown (ORRF) delivered earnings and revenue surprises of 1.56% and 5.53%, respectively, for the quarter ended September 2021. Do the numbers hold clues to what lies ahead for the stock?
Dividend Income Summary: Lanny's August 2021 Summary
In August, my wife and I received a total of $1,307.71 of dividend income. We crossed one thousand dollars again in an off-month. Another strong month of dividend income, and the 4-digit mark is becoming more and more consistent. Despite...
Orrstown Financial Services, Inc. Reports Second Quarter 2021 Results and Announces Increased Quarterly Dividend
(1) Non-GAAP measure. See Appendix B for additional information.
Is a Surprise Coming for Orrstown Financial Services (ORRF) This Earnings Season?
Orrstown Financial Services (ORRF) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.
Down 10.9% in 4 Weeks, Here's Why You Should You Buy the Dip in Orrstown (ORRF)
The heavy selling pressure might have exhausted for Orrstown (ORRF) as it is technically in oversold territory now. In addition to this technical measure, strong agreement among Wall Street analysts in revising earnings estimates higher indicates that the stock is...
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