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Orrstown Financial Services

ORRF

Orrstown Financial Services Inc is a financial holding company that provides a wide range of consumer and commercial banking services through its subsidiary, Orrstown Bank.

Market cap
$858.61M+36.9%
Revenue$256.5M+3.2%
Net income$86.3M+99.5%
EPS (diluted)$4.45+86.2%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 20, 2026 (in 2 months)
Revenue estimate$66.1M
EPS estimate$1.10

Financials

Q2 2026

Income statement

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Revenue$62.7M+0.4%
Net income$21.2M+8.8%
EPS (diluted)$1.09+7.9%

Balance sheet

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Cash & equivalents$144.8M-3.0%
Total equity$621.7M+13.3%
Total assets$5.6B+4.2%

Valuation & ratios

Valuation

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Market cap$858.61M+36.9%
P/E10×-4.7×
P/S3.4×+0.8×

Profitability

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Net margin33.6%+16.2pp

Returns & leverage

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Return on equity14.8%+4.3pp

Competitors

Profile

Orrstown Financial Services Inc is a financial holding company that provides a wide range of consumer and commercial banking services through its subsidiary, Orrstown Bank. The company focuses on community-based banking, offering lending, deposit, and advisory solutions to individuals and businesses. Its core value proposition centers on local relationship management and maintaining a well-capitalized balance sheet to support regional economic growth.

Competitive position

A regional community bank focused on asset-sensitive balance sheet management and growth through strategic acquisitions.

GeographiesUnited States, Pennsylvania, Maryland
Customer segmentsRetail, Commercial, SME
Business modelInterest-based lending, Fee-based financial services
SuppliersFederal Reserve Bank, Federal Home Loan Bank of Pittsburgh, Depositors, Capital markets
CustomersHomeowners, Commercial real estate developers, Local businesses, Retail banking customers
Listed1999
Employees425.0
CEOAdam L. Metz
FilingsSEC EDGAR

FAQ

What is Orrstown Financial Services's market cap?
Orrstown Financial Services (ORRF) has a market capitalization of $858.6M and trades on NASDAQ.
What is Orrstown Financial Services's revenue and profitability?
Orrstown Financial Services generated $256.5M in trailing twelve-month revenue with net income of $86.3M, representing a net margin of 33.6%. These figures are based on the Q2 2026 filing.
Who are Orrstown Financial Services's competitors?
Orrstown Financial Services's key competitors include Fulton Financial Corporation, F.N.B. Corporation, Farmers & Merchants Bancorp, Inc., and others. These companies compete in similar markets and product categories.
Who does Orrstown Financial Services partner with?
Orrstown Financial Services's notable partners include Federal Home Loan Bank of Pittsburgh, Federal Reserve Bank.
What subsidiaries does Orrstown Financial Services have?
Orrstown Financial Services's subsidiaries include Orrstown Bank, Codorus Valley Bancorp, Inc..
Where is Orrstown Financial Services headquartered?
Orrstown Financial Services is headquartered in United States of America and employs approximately 425 people. It has been publicly traded since 1999.