ORRF
Orrstown Financial Services Inc
NASDAQ: ORRF · FINANCIAL SERVICES · BANKS - REGIONAL
$36.74
+0.57% today
Updated 2026-04-30
Market cap
$729.27M
P/E ratio
8.51
P/S ratio
2.86x
EPS (TTM)
$4.37
Dividend yield
3.01%
52W range
$29 – $40
Volume
0.2M
Orrstown Financial Services Inc (ORRF) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $55.87M | $66.41M | $67.73M | $70.75M | $81.40M | $86.08M | $67.71M | $53.85M | $56.17M | $57.02M | $60.95M | $70.64M | $85.89M | $120.52M | $126.88M | $121.64M | $134.32M | $174.30M | $284.09M | $353.86M |
| Revenue growth (YoY) | — | +18.9% | +2.0% | +4.5% | +15.0% | +5.8% | -21.3% | -20.5% | +4.3% | +1.5% | +6.9% | +15.9% | +21.6% | +40.3% | +5.3% | -4.1% | +10.4% | +29.8% | +63.0% | +24.6% |
| Cost of revenue | $17.76M | $23.74M | $20.86M | $21.36M | $21.61M | $69.33M | $55.85M | $1.86M | $259000.00 | $3.70M | $5.67M | $8.64M | $14.31M | $24.60M | $21.35M | $7.81M | $13.21M | $46.67M | $110.22M | $103.89M |
| Gross profit | $38.11M | $42.68M | $46.87M | $49.39M | $59.79M | $16.75M | $11.86M | $51.99M | $55.91M | $53.32M | $55.29M | $61.99M | $71.58M | $95.92M | $105.53M | $113.83M | $121.11M | $127.62M | $173.86M | $249.97M |
| Gross margin | 68.2% | 64.3% | 69.2% | 69.8% | 73.4% | 19.5% | 17.5% | 96.5% | 99.5% | 93.5% | 90.7% | 87.8% | 83.3% | 79.6% | 83.2% | 93.6% | 90.2% | 73.2% | 61.2% | 70.6% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — | — |
| SG&A | $13.02M | $14.74M | $15.86M | $19.13M | $21.65M | $19.92M | $22.59M | $26.60M | $26.47M | $26.34M | $29.85M | $31.75M | $34.19M | $40.87M | $44.96M | $45.68M | $50.02M | $53.86M | $80.04M | $88.17M |
| Operating income | $16.48M | $17.75M | $18.59M | $17.42M | $23.05M | $-42.83M | $-30.50M | $9.80M | $13.01M | $9.51M | $7.89M | $12.43M | $14.45M | $19.63M | $32.51M | $40.90M | $26.62M | $45.03M | $27.81M | $102.71M |
| Operating margin | 29.5% | 26.7% | 27.4% | 24.6% | 28.3% | -49.8% | -45.0% | 18.2% | 23.2% | 16.7% | 13.0% | 17.6% | 16.8% | 16.3% | 25.6% | 33.6% | 19.8% | 25.8% | 9.8% | 29.0% |
| EBITDA | $18.21M | $19.59M | $20.88M | $20.05M | $25.98M | $-40.05M | $-27.89M | $12.62M | $15.85M | $12.41M | $10.85M | $15.69M | $18.09M | $25.18M | $39.08M | $46.20M | $31.24M | $49.37M | $37.50M | $116.68M |
| EBITDA margin | 32.6% | 29.5% | 30.8% | 28.3% | 31.9% | -46.5% | -41.2% | 23.4% | 28.2% | 21.8% | 17.8% | 22.2% | 21.1% | 20.9% | 30.8% | 38.0% | 23.3% | 28.3% | 13.2% | 33.0% |
| EBIT | $16.48M | $17.75M | $18.59M | $17.42M | $23.05M | $-42.83M | $-30.50M | $9.80M | $13.01M | $9.51M | $7.89M | $12.43M | $14.45M | $19.63M | $32.51M | $40.90M | $26.62M | $45.03M | $27.81M | $102.71M |
| Interest expense | $17.37M | $22.99M | $19.41M | $16.50M | $12.69M | $10.75M | $7.55M | $5.01M | $4.16M | $4.30M | $5.42M | $7.64M | $13.47M | $23.70M | $16.02M | $6.72M | $9.02M | $44.99M | $93.68M | $103.94M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $11.63M | $12.56M | $13.10M | $13.37M | $16.58M | $-31.96M | $-38.45M | $10.00M | $29.14M | $7.87M | $6.63M | $8.09M | $12.80M | $16.92M | $26.46M | $32.88M | $22.04M | $35.66M | $22.05M | $80.86M |
| Net income growth (YoY) | — | +8.0% | +4.3% | +2.1% | +24.0% | -292.8% | -20.3% | +126.0% | +191.3% | -73.0% | -15.8% | +22.1% | +58.3% | +32.2% | +56.4% | +24.3% | -33.0% | +61.8% | -38.2% | +266.7% |
| Profit margin | 20.8% | 18.9% | 19.3% | 18.9% | 20.4% | -37.1% | -56.8% | 18.6% | 51.9% | 13.8% | 10.9% | 11.5% | 14.9% | 14.0% | 20.9% | 27.0% | 16.4% | 20.5% | 7.8% | 22.8% |