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Orrstown Financial Services Inc
NASDAQ:ORRF

Watchlist Manager
Orrstown Financial Services Inc Logo
Orrstown Financial Services Inc
NASDAQ:ORRF
Watchlist
Price: 38.99 USD -1.24% Market Closed
Market Cap: $760.3m
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
+101%
5Y
+139%
10Y
+482%
Non Interest Income
+
3Y
+94%
5Y
+85%
10Y
+172%
Net Income
+
3Y
+267%
5Y
+205%
10Y
+923%

Income Statement
Orrstown Financial Services Inc

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Income Statement
Currency: USD
Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025 Dec-2025
Revenue
Net Interest Income
15
16
16
16
17
17
18
18
19
20
21
22
23
23
25
26
27
29
29
30
30
31
32
32
33
33
34
35
37
39
42
44
46
48
49
50
50
48
45
41
38
35
33
32
32
33
33
34
34
34
34
34
34
35
35
36
37
38
40
42
44
45
47
49
52
55
61
67
69
73
75
78
84
87
88
88
87
88
90
95
100
103
106
106
105
105
105
131
155
177
201
200
200
Interest Income
23
23
23
23
24
24
24
25
26
27
29
30
32
34
37
41
45
48
50
52
53
54
54
53
52
52
52
52
53
54
56
57
58
60
61
62
60
58
54
49
45
42
39
37
37
37
38
38
38
38
38
38
39
39
40
41
42
44
46
48
52
54
57
60
66
71
80
89
93
98
98
98
100
100
98
96
94
94
95
100
109
119
131
142
150
158
165
209
249
282
313
307
304
Interest Expense
8
8
7
7
7
7
7
7
7
7
8
9
10
11
13
15
17
20
21
22
23
23
22
21
19
19
18
18
17
15
14
13
13
12
12
11
11
10
9
8
8
7
6
5
5
5
5
4
4
4
4
4
4
5
5
5
5
6
6
7
8
9
10
11
14
16
19
22
24
25
23
19
16
12
10
8
7
6
5
6
9
16
25
36
45
53
59
78
94
105
113
108
104
Non Interest Income
5
6
6
6
6
6
7
7
7
7
8
9
9
9
10
10
11
12
12
13
13
14
15
15
15
16
16
17
17
18
21
23
23
24
21
24
27
28
30
25
23
22
19
19
18
18
18
18
19
20
20
20
19
19
19
19
20
18
20
20
20
21
21
21
21
20
23
26
29
30
30
28
28
29
28
29
29
29
30
28
27
26
26
25
26
26
26
33
37
42
48
49
52
Revenue
21
N/A
21
+4%
22
+3%
23
+3%
23
+2%
24
+3%
24
+2%
25
+3%
26
+4%
27
+4%
29
+6%
31
+7%
32
+5%
33
+3%
35
+6%
36
+5%
39
+6%
40
+5%
41
+2%
42
+2%
43
+2%
45
+4%
46
+3%
47
+2%
48
+2%
49
+1%
50
+2%
51
+3%
54
+5%
57
+6%
63
+10%
67
+6%
69
+3%
71
+4%
71
-1%
75
+6%
76
+2%
76
-1%
74
-2%
66
-11%
61
-8%
57
-7%
52
-7%
51
-3%
50
-2%
50
+1%
52
+3%
52
+2%
53
+1%
54
+1%
53
0%
54
+1%
54
-1%
54
+1%
54
+0%
54
+0%
56
+3%
57
+1%
59
+5%
62
+4%
64
+3%
67
+5%
68
+2%
70
+3%
73
+5%
76
+3%
84
+11%
93
+10%
98
+6%
103
+6%
105
+2%
106
+1%
112
+6%
116
+4%
117
+0%
117
+1%
116
-1%
117
+0%
120
+2%
123
+3%
127
+3%
129
+2%
131
+2%
132
+0%
131
-1%
132
+1%
131
0%
163
+24%
193
+18%
220
+14%
249
+13%
249
+0%
252
+1%
Pre-Tax Income
Loan Loss Provision
(1)
(1)
(1)
(1)
(1)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(1)
(1)
(1)
(1)
(1)
(2)
(2)
(2)
(2)
(5)
(6)
(11)
(11)
(9)
(11)
(27)
(34)
(59)
(75)
(76)
(74)
(48)
(29)
(5)
0
3
3
2
5
4
4
4
2
1
1
1
(0)
(0)
(0)
(0)
(0)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
0
0
0
0
1
1
2
(1)
(1)
(3)
(5)
(4)
(5)
(3)
(2)
(2)
(1)
(2)
(15)
(17)
(16)
(15)
(2)
(0)
Non Interest Expense
(12)
(12)
(13)
(13)
(13)
(13)
(14)
(14)
(15)
(15)
(16)
(17)
(17)
(18)
(19)
(20)
(22)
(23)
(24)
(24)
(25)
(26)
(26)
(28)
(28)
(29)
(31)
(31)
(32)
(33)
(33)
(35)
(37)
(38)
(39)
(40)
(61)
(62)
(63)
(63)
(43)
(43)
(43)
(42)
(43)
(43)
(44)
(44)
(44)
(43)
(44)
(45)
(45)
(45)
(46)
(47)
(48)
(49)
(49)
(50)
(50)
(51)
(52)
(52)
(58)
(61)
(71)
(76)
(77)
(80)
(77)
(81)
(79)
(78)
(75)
(74)
(74)
(78)
(78)
(95)
(96)
(97)
(99)
(83)
(84)
(86)
(88)
(128)
(148)
(164)
(179)
(155)
(149)
Pre-Tax Income
8
N/A
8
+4%
9
+4%
9
+6%
10
+4%
10
+3%
10
+1%
10
+2%
11
+6%
12
+6%
13
+10%
14
+9%
14
+5%
15
+3%
16
+5%
16
+2%
17
+4%
17
+3%
17
+1%
18
+4%
18
+1%
18
+3%
19
+3%
19
-2%
19
0%
18
-3%
17
-4%
18
+3%
17
-3%
18
+4%
19
+4%
21
+10%
23
+11%
23
+0%
5
-79%
1
-81%
(43)
N/A
(61)
-42%
(65)
-7%
(70)
-8%
(31)
+57%
(16)
+48%
5
N/A
9
+87%
10
+10%
10
+4%
10
-6%
13
+35%
13
+0%
14
+9%
13
-7%
11
-17%
10
-13%
10
+0%
9
-9%
7
-16%
8
+9%
7
-10%
10
+41%
12
+16%
12
+7%
14
+14%
15
+4%
16
+10%
14
-11%
14
-5%
12
-12%
16
+30%
20
+25%
22
+14%
27
+22%
25
-7%
33
+29%
39
+20%
42
+8%
45
+6%
41
-9%
39
-5%
38
0%
23
-40%
27
+15%
28
+4%
29
+6%
47
+61%
45
-5%
44
-1%
42
-6%
20
-51%
28
+37%
40
+43%
55
+37%
92
+69%
103
+11%
Net Income
Tax Provision
(2)
(2)
(2)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(4)
(4)
(4)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(6)
(6)
(6)
(5)
(5)
(4)
(4)
(4)
(5)
(6)
(7)
(6)
(2)
1
11
17
22
1
(8)
(13)
(20)
(1)
0
0
0
(0)
16
15
15
15
(2)
(2)
(1)
(1)
(1)
(1)
(1)
(2)
(2)
(2)
(2)
(2)
(2)
(1)
(1)
(2)
(3)
(4)
(5)
(5)
(6)
(7)
(8)
(9)
(8)
(8)
(7)
(4)
(5)
(5)
(5)
(10)
(9)
(9)
(9)
(4)
(6)
(8)
(11)
(19)
(22)
Income from Continuing Operations
6
6
6
7
7
7
7
8
8
8
9
10
10
10
11
11
12
12
12
12
13
13
13
13
13
13
13
13
13
14
14
15
17
17
2
2
(32)
(44)
(43)
(69)
(39)
(29)
(15)
8
10
10
10
13
29
30
28
26
8
8
7
6
7
6
9
10
11
12
13
14
13
12
11
14
17
19
23
21
27
32
34
36
33
31
31
19
22
23
24
38
36
35
33
16
22
32
43
73
81
Net Income (Common)
6
N/A
6
+4%
6
+5%
7
+2%
7
+6%
7
+4%
7
+1%
8
+3%
8
+3%
8
+4%
9
+8%
10
+9%
10
+4%
10
+3%
11
+6%
11
+2%
12
+4%
12
+3%
12
+1%
12
+4%
13
+1%
13
+3%
13
+3%
13
-2%
13
+0%
13
-2%
13
-1%
13
+6%
13
0%
14
+3%
14
+3%
15
+7%
17
+9%
17
+2%
2
-85%
2
-24%
(32)
N/A
(44)
-38%
(43)
+2%
(69)
-59%
(39)
+44%
(29)
+26%
(15)
+46%
8
N/A
10
+23%
10
+4%
10
-5%
13
+31%
29
+125%
30
+2%
28
-5%
26
-10%
8
-69%
8
+1%
7
-10%
6
-14%
7
+7%
6
-8%
9
+43%
10
+15%
8
-19%
10
+20%
10
+7%
12
+12%
13
+10%
12
-4%
11
-11%
14
+26%
17
+22%
19
+12%
23
+19%
21
-9%
27
+28%
32
+19%
34
+8%
36
+6%
33
-9%
31
-6%
31
+0%
19
-39%
22
+15%
23
+4%
24
+4%
38
+58%
36
-5%
35
-2%
33
-6%
16
-51%
22
+38%
32
+43%
43
+37%
73
+69%
81
+11%
EPS (Diluted)
1.05
N/A
1.07
+2%
1.12
+5%
1.14
+2%
1.21
+6%
1.26
+4%
1.27
+1%
1.28
+1%
1.33
+4%
1.4
+5%
1.5
+7%
1.62
+8%
1.69
+4%
1.71
+1%
1.68
-2%
1.65
-2%
1.8
+9%
1.78
-1%
1.8
+1%
1.86
+3%
1.94
+4%
1.92
-1%
1.98
+3%
1.94
-2%
2.03
+5%
1.92
-5%
2.06
+7%
2.14
+4%
2.07
-3%
2.09
+1%
1.77
-15%
1.9
+7%
2.17
+14%
2.12
-2%
0.3
-86%
0.23
-23%
-3.99
N/A
-5.47
-37%
-5.37
+2%
-8.56
-59%
-4.77
+44%
-3.56
+25%
-1.91
+46%
1
N/A
1.24
+24%
1.28
+3%
1.21
-5%
1.59
+31%
3.59
+126%
3.64
+1%
3.47
-5%
3.13
-10%
0.97
-69%
0.98
+1%
0.88
-10%
0.76
-14%
0.81
+7%
0.74
-9%
1.06
+43%
1.22
+15%
0.98
-20%
1.17
+19%
1.25
+7%
1.41
+13%
1.5
+6%
1.31
-13%
1.04
-21%
1.24
+19%
1.61
+30%
1.72
+7%
2.04
+19%
1.87
-8%
2.4
+28%
2.86
+19%
3.07
+7%
3.27
+7%
2.96
-9%
2.82
-5%
2.89
+2%
1.84
-36%
2.06
+12%
2.17
+5%
2.26
+4%
3.61
+60%
3.42
-5%
3.36
-2%
3.12
-7%
0.83
-73%
1.48
+78%
1.63
+10%
2.23
+37%
3.78
+70%
4.18
+11%

See Also

Summary
ORRF intrinsic value, competitors valuation, and company profile.
DCF Valuation
ORRF stock valuation using Discount Cash Flow valuation method.
Relative Valuation
ORRF stock valuation using valuation multiples.
Wall Street Estimates
ORRF price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
ORRF stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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