ORRSTOWN FINANCIAL SERVICES INC ORRF

Latest FY: 2025 Financial Services Banks - Regional
Market Price $42.41
Market Cap $834.44M
P/E Ratio 10.15
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑30.8% YoY
$252.10M
3-Yr CAGR: 25.8%
Net Income ↑266.7% YoY
$80.86M
Net Margin: 32.1%
Free Cash Flow ↑111.2% YoY
$70.50M
FCF Yield: 8.45%
EPS (Diluted) ↑182.4% YoY
$4.18
Basic: $4.21
Return on Equity Efficiency
13.7%
ROA: 1.5%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (ORRF)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $56.3M $50.9M $6.6M $0.81 $0.35 1.56% $15.6M $2.2M
FY 2017 $63.8M +13.3% $56.1M $8.1M +22.1% $0.98 +21.0% $0.42 1.66% $16.4M $13.7M +517.5%
FY 2018 $73.2M +14.8% $59.7M $12.8M +58.3% $1.50 +53.1% $0.51 2.80% $22.5M $17.7M +29.2%
FY 2019 $97.8M +33.7% $74.1M $16.9M +32.2% $1.61 +7.3% $0.60 2.65% $9.1M $6.2M -65.1%
FY 2020 $111.9M +14.4% $95.9M $26.5M +56.4% $2.40 +49.1% $0.68 4.11% $30.2M $28.9M +367.2%
FY 2021 $116.1M +3.8% $109.4M $32.9M +24.3% $2.96 +23.3% $0.74 2.94% $40.8M $39.6M +37.0%
FY 2022 $126.6M +9.0% $117.6M $22.0M -33.0% $2.06 -30.4% $0.76 3.28% $36.2M $35.3M -10.8%
FY 2023 $130.6M +3.1% $85.6M $35.7M +61.8% $3.42 +66.0% $0.80 2.71% $43.7M $41.4M +17.3%
FY 2024 $192.7M +47.6% $99.0M $22.1M -38.2% $1.48 -56.7% $0.86 2.35% $35.0M $33.4M -19.4%
FY 2025 $252.1M +30.8% $148.2M $80.9M +266.7% $4.18 +182.4% $1.06 2.99% $74.7M $70.5M +111.2%
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Valuation

Market Price $42.41
Market Cap $834.44M
Enterprise Value N/A
P/E Ratio 10.15
P/B Ratio 1.41
FCF Yield 8.45%
Dividend Yield 2.50%
Shares Outstanding 19,647,800
%

Profitability & Margins

Gross Margin 58.77%
Operating Margin 40.71%
Net Margin 32.07%
Return on Equity (ROE) 13.67%
Return on Assets (ROA) 1.46%
Asset Turnover 0.05x
Revenue 3-Yr CAGR 25.82%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents N/A
Total Debt N/A
Book Value / Share $30.11
💧

Cash Flow Efficiency

Operating Cash Flow $74.73M
Capital Expenditures (CapEx) $4.24M
Free Cash Flow $70.50M
OCF / Revenue 29.64%
FCF / Revenue 27.96%
FCF 3-Yr CAGR 25.94%
🏷️

Per Share Metrics

EPS (Diluted) $4.18
EPS (Basic) $4.21
Dividends / Share $1.06
Book Value / Share $30.11
EPS YoY Growth 182.43%
🏛️

Balance Sheet (FY 2025)

Total Assets $5.54B
Total Liabilities $4.95B
Stockholders' Equity $591.53M
Current Assets N/A
Current Liabilities N/A