Orrstown Financial Services, Inc.

ORRF

$42.89

+1.01%

2026-09-04 10:31:52 EDT+$0.43

Financial Services

Banks - Regional

NASDAQ

Active Trading

Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions ...

Price Action of ORRF

$42.89

+1.01%+$0.43

High—

Low—

52W High-1.9%

Rel. vol—

Interval

Range57m

Volume—SMA5SMA10

—

Orrstown Financial Services, Inc. (ORRF) is a financial holding company that operates primarily through its wholly-owned subsidiary, Orrstown Bank. With approximately $5.6 billion in assets, it is one of the largest independent community banks in its market area. The company was founded in 1919 in Orrstown, Pennsylvania, and has since ...Orrstown Financial Services, Inc. (ORRF) is a financial holding company that operates primarily through its wholly-owned subsidiary, Orrstown Bank. With approximately $5.6 billion in assets, it is one of the largest independent community banks in its market area. The company was founded in 1919 in Orrstown, Pennsylvania, and has since expanded its footprint across multiple counties in Pennsylvania (including Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (including Anne Arundel, Baltimore, Howard, Washington, and Baltimore City). Headquartered in Harrisburg, Pennsylvania, the bank offers a full suite of financial products and services. On the deposit side, it provides checking, savings, time, demand, and money market accounts. For lending, it extends commercial loans for real estate, equipment, construction, working capital, and industrial purposes, as well as consumer loans such as home equity lines, residential mortgages, and installment loans. Additionally, it offers specialized financing including acquisition and development loans, municipal financing, and installment loans. Through its Orrstown Financial Advisors division, the firm delivers fiduciary services such as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisory roles. It also provides retail brokerage services via collaboration with an external broker/dealer, along with direct investment advisory and insurance services. Financially, the company has demonstrated solid performance with a market capitalization of approximately $837 million as of the latest data, and a price-to-earnings ratio of about 9.1, indicating a value-oriented profile. The bank's return on equity is 14.5%, while its net profit margin is 24.1%, reflecting efficient operations. The company pays a dividend with a yield of around 2.7% and a payout ratio of 32.6%, balancing shareholder returns with reinvestment. In terms of leadership, Adam L. Metz serves as President and CEO, with Amy Doll as CFO and Philip E. Fague in executive management. The bank employs around 627 full-time employees, and its workforce has been stable, with recent numbers showing slight growth. The company has received recognition for its performance, ranking #1 in Pennsylvania and #12 nationally in S&P Global Market Intelligence's 2025 Best Banks list. With a long-standing history of over a century, Orrstown Financial Services continues to focus on community banking, customer relationships, and prudent financial management, aiming to serve its customers and communities effectively while delivering value to shareholders.ExpandCollapse

Founded

1919

Employees

627

CEO

Adam L. Metz

Full Name

Orrstown Financial Services, Inc.

Sector

Financial Services

Industry

Banks - Regional

ROE

14.46%

Market Cap

$0.84B

Current Ratio

0.21

WACC

13.19%

ROIC

-2.32%

Contact Information

https://www.orrstown.com

717 532 6114

4750 Lindle Road, Harrisburg, PA 17111

Key Metrics of ORRF

Snapshot

Latest / TTM · 6 periods

Market Cap

$843.63M

ROCE

15.1%

EV / EBITDA

9.12x

+12.9% YoY

FCF Yield

10.2%

-1.8% YoY

Cash Conversion Cycle

20.1d

Current Ratio

0.21

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of ORRF

Profitability trend

Latest / TTM · 6 periods

Gross Margin

71.0%

Net Margin

24.1%

P/E Ratio

9.11x

n/a

Debt / Equity

0.45

n/a

Current Ratio

0.21

Dividend Yield

2.8%

Understanding

TTM —

Current ratio below 1.0

Calendar of ORRF

Upcoming

Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $1.10 · Revenue $66.13M · 3 analysts
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $1.09 · Revenue $66.70M · 3 analysts
Dec 31, 2026
FY2026 · Estimated annual results
Est. EPS $4.31 · Revenue $259.75M · 3 analysts
Mar 30, 2027
Q1 FY2027 · Estimated results
Est. EPS $1.06 · Revenue $65.88M · 1 analysts

Recent history

Aug 11, 2026
Dividend payment
$1.14 per share
Aug 6, 2026
Q2 FY2026 · Results reported
EPS $1.09 · Revenue $88.54M
View filing
Aug 4, 2026
Ex-dividend date
$1.14 per share
May 8, 2026
Q1 FY2026 · Results reported
EPS $1.12 · Revenue $89.94M
View filing
Mar 12, 2026
FY2025 · Annual results
EPS $4.18 · Revenue $353.86M
View filing
Nov 6, 2025
Q3 FY2025 · Results reported
EPS $1.13 · Revenue $89.61M
View filing

Financial Statements of ORRF

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$353.9M	+24.6%	-1.6%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$80.9M	+266.7%	-3.0%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+70.6%	+15.4%	-1.4%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+29.0%	+196.6%	-8.9%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+22.8%	+194.4%	-1.4%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$70.5M	+111.2%	-10.8%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+19.9%	+69.6%	-9.4%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	56.9%	+40.0%	+4.1%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	1.13x	+379.8%	-99.6%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$5.5B	+1.8%	+0.6%

Actual vs Estimate

A Dec 31Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	4.18 vs 4.24	-1.4%	1.09 vs 1.03	+6.2%
Revenue Surprise	$353.9M vs $251.2M	+40.9%	$88.5M vs $64.1M	+38.1%

Insider Transactions of ORRF

Acquisitions (A)

Since Jul 1, 2026

Disposals (D)

Since Jul 1, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Aug 6, 2026	Rice Michael John	director	Orrstown Financial Services, Inc, Common Stock	D	2,530	$43.16
Jul 30, 2026	ZULLINGER JOEL R	director	Orrstown Financial Services, Inc, Common Stock	D	120	$43.49
Jul 27, 2026	DOLL AMY	officer: EVP, Chief Admin. Officer	Orrstown Financial Services, Inc, Common Stock	D	3,002	$41.61
Jul 24, 2026	DOLL AMY	officer: EVP, Chief Admin. Officer	Orrstown Financial Services, Inc, Common Stock	A	574	$29.92
Jul 24, 2026	DOLL AMY	officer: EVP, Chief Admin. Officer	Orrstown Financial Services, Inc, Common Stock	A	879	$25.99

Earnings Call Transcript of ORRF

1 transcript segments

Q2 2026

Unknown Speaker

Operator : Good morning. My name is Regina, and I will be your conference operator today. At this time, I would like to welcome everyone to the Orrstown Financial Services, Inc. Second Quarter 2026 Earnings Conference Call. I will now turn the call over to Adam Metz, President and Chief Executive Officer of Orrstown Financial Services, Inc. and Orrstown Bank, who will begin the conference. Mr. Metz, please go ahead. Adam Metz : Thank you, Regina, and good morning. I would like to thank everyone for participating in Orrstown's Second Quarter 2026 Earnings Conference Call, both by telephone and through the webcast. If you have not read the earnings release we issued yesterday afternoon, you may access it along with the financial tables and schedules by going to our website, www.orrstown.com. Once there, you can click the Investor Relations link and then on the Events and Presentations link. Also, before we start, I would like to mention that today's presentation may contain forward-looking information. Cautionary statements about this information are included in the earnings release, the investor presentation and our SEC filings. The earnings release and investor presentation also include non-GAAP financial measures. The appropriate reconciliations to GAAP are included in those documents. Joining me today on the call is Neil Kalani, Orrstown's Chief Financial Officer. Also participating in the discussion are Zach Khuri, Chief Revenue Officer; Bob Coradi, Chief Risk Officer; and Dave Chajkowski, Chief Credit Officer. Orrstown produced another strong outstanding quarter highlighted by strong net income, earnings per share, return on average assets and return on average equity. Net income was $21.2 million or $1.09 per diluted share. Return on average equity and return on average assets continued to exceed peer multiples. Excluding the impact of a onetime charge to interest expense, the net interest margin improved 10 basis points to 4% during the quarter. Fee income of $13.8 million contributed 22.1% of total operating income. Wealth management income continues to be a source of strength for the bank. We redeemed our remaining subordinated notes, which resulted in a charge of $1.6 million, but is expected to enhance go-forward results. Despite higher-than-expected payoffs and paydowns, the bank achieved annualized loan growth of 5% for the quarter, with a meaningful portion of that growth occurring late in the quarter and therefore, having a limited impact on second quarter interest income. Credit quality remains strong. Classified loans and nonaccrual loans both decreased quarter-to-quarter. We remain prudent in our lending decisions, but we believe that the credit environment remains sound and without significant signs of stress. We maintain a long-term focus on generating earnings and growth to continually build shareholder value. In support of that, the Board declared a quarterly dividend of $0.30 per share payable in August. Neil Kalani, our …

Leadership Team of ORRF

10 executives

Name	Title	Compensation	Gender	Year Born	Status
Adam L. Metz	President, Chief Executive Officer & Director	USD 790,864	Male	1972	Active
Christopher D. Holt	Executive Vice President & Market President for the Maryland Region	USD 576,745	Male	1964	Active
Amy L. Doll	Executive Vice President & Chief Administrative Officer	USD 563,868	Female	1980	Active
Neelesh Kalani	Executive Vice President, Chief Financial Officer & Head of Investor Relations	USD 553,265	Male	1975	Active
Philip E. Fague	Executive Vice President & Chief Trust Officer of Orrstown Bank	USD 324,981	Male	1960	Active
Matthew Dyckman	Executive Vice President & General Counsel	—	Male	1969	Active
Benjamin Colvard	Executive Vice President & Chief Operations Officer	—	Male	—	Active
Christopher Orr	Executive Vice President & Chief Information Officer	—	Male	1984	Active
Sean Mulcahy	Senior Vice President & Chief Accounting Officer	—	Male	1983	Active
Heather K. Knisely	Executive Vice President & Chief Human Resources Officer	—	Female	1984	Active

Recent News of ORRF

Zacks Investment Research7/27/2026Neutral

Orrstown Financial Services (ORRF) Is Up 2.95% in One Week: What You Should Know

Does Orrstown Financial Services (ORRF) have what it takes to be a top stock pick for momentum investors? Let's find out.

Zacks Investment Research7/27/2026Neutral

Orrstown Financial Services Inc (ORRF) Hits Fresh High: Is There Still Room to Run?

Orrstown (ORRF) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.

Defense World7/24/2026Neutral

Orrstown Financial Services Q2 Earnings Call Highlights

Orrstown Financial Services (NASDAQ: ORRF) reported what executives described as another strong quarter, with second-quarter 2026 net income of $21.2 million, or $1.09 per diluted share, as improved funding costs and continued fee income strength supported results. President and Chief Executive Officer Adam Metz said the company delivered "strong net income, earnings per share, return on

Seeking Alpha7/22/2026Neutral

Orrstown Financial Services, Inc. (ORRF) Q2 2026 Earnings Call Transcript

MarketBeat7/22/2026Neutral

Orrstown Financial Services Q2 Earnings Call Highlights

Orrstown Financial Services NASDAQ: ORRF reported what executives described as another strong quarter, with second-quarter 2026 net income of $21.2 million, or $1.09 per diluted share, as improved funding costs and continued fee income strength supported results.

Historical Employee Count of ORRF

Current

627

Change

+3.29%

Minimum

404

Maximum

627

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	627	10-K	Mar 12, 2026	View
Dec 31, 2024	607	10-K	Mar 31, 2025	View
Dec 31, 2023	410	10-K	Mar 14, 2024	View
Dec 31, 2022	404	10-K	Mar 16, 2023	View
Dec 31, 2021	412	10-K	Mar 11, 2022	View

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Orrstown Financial Services, Inc.