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ORRSTOWN FINANCIAL SERVICES INC

ORRF

$41.82 ▲ +0.76 (+1.85%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

ORRSTOWN FINANCIAL SERVICES INC shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $803.0M

Dividend Yield 2.53%

Revenue Growth 30.8% ↘

Op. Margin 40.7% ↗

ROIC None

FCF / Share None

Trailing P/E 9.9x

Price / Book 1.4x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 24, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$252.10M

↑ +30.8% —

Net Income Profit after all expenses

$80.86M

↑ +266.7% —

Operating Margin Operating profit as % of sales

40.7%

↑ +182.1% 94th

Long-Term Debt Long-term obligations

$40.00M

↑ +2649.1% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.06 Latest / share

+23.3% YoY

$0.00

FY 2014

$0.22

FY 2015

$0.35

FY 2016

$0.42

FY 2017

$0.15

FY 2018

$0.60

FY 2019

$0.68

FY 2020

$0.74

FY 2021

$0.76

FY 2022

$0.80

FY 2023

$0.86

FY 2024

$1.06

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	30.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+414%)	47.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+693%)	3.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-48%)	9.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+50%)	3.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	14.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+140%)	33.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+460%)	14.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+147%)	13.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+121%)	5.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-14%)	1.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-80%)	6.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-18.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-407%)	-19.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-430%)	10.9% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+82%)	27.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+363%)	—	—
EPS Growth YoY (%)	182.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-56.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	65.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-30.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	24.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	48.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	6.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	53.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	22.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-15.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-73.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	189.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	-19.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	4.3% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	266.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-38.2% Weak ↓ Weak Declining Year-over-year change in net income	61.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-33.0% Weak ↓ Weak Declining Year-over-year change in net income	24.3% Good ↓ Good Declining Year-over-year change in net income	56.4% Excellent ↑ Excellent Improving Year-over-year change in net income	32.2% Excellent ↑ Excellent Improving Year-over-year change in net income	58.3% Excellent ↑ Excellent Improving Year-over-year change in net income	22.1% Good ↓ Good Declining Year-over-year change in net income	-15.8% Weak ↓ Weak Declining Year-over-year change in net income	-73.0% Weak ↓ Weak Declining Year-over-year change in net income	191.3% Excellent Excellent Year-over-year change in net income	N/M	-20.3% Weak Weak Year-over-year change in net income	N/M	24.0% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	25.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	18.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	5.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	16.6% Excellent → Excellent Stable Compound annual revenue growth over 3 years	20.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	20.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	11.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-4.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-11.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-10.1% Weak Weak Compound annual revenue growth over 3 years	4.4% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	17.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.5% Excellent → Excellent Stable Compound annual revenue growth over 5 years	12.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	14.7% Excellent → Excellent Stable Compound annual revenue growth over 5 years	15.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	8.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	0.8% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-5.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-4.9% Weak Weak Compound annual revenue growth over 5 years	-0.3% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	26.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-20.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	12.5% Good ↓ Good Declining Compound annual EPS growth over 3 years	8.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	25.2% Excellent → Excellent Stable Compound annual EPS growth over 3 years	34.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	25.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-34.7% Weak Weak Compound annual EPS growth over 3 years	-12.9% Weak Weak Compound annual EPS growth over 3 years	—	—	-17.1% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	40.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	14.4% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	34.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	21.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	35.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	29.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	20.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	19.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	19.5% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	14.0% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	17.8% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	24.6% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—	—	—	—
Effective Tax Rate (%) (%)	21.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.0% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	-124.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	32.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	11.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	27.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	17.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	28.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	23.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	17.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	17.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	12.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	11.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	14.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	55.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+151%)	20.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	-62.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-386%)	-41.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-291%)	24.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	24.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-3.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-2.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	13.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	13.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	9.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	7.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	7.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	5.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	5.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	22.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+91%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	-43.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-465%)	-24.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-308%)	10.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	12.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	0.15x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.08x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.09x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.09x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.04x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.85x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29%)	1.23x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.83x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-31%)	0.85x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29%)	0.80x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	0.82x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-32%)	0.54x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-55%)	0.69x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-42%)	0.95x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-21%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$13.13	$13.05	$12.63	$11.99	$10.59	$10.23	$9.44	$8.76	$7.90	$6.98	$6.60	$6.52	$6.17	$7.58	$9.51	—	—	—
Basic EPS, GAAP (USD)	$4.21	$1.49	$3.45	$2.09	$3.00	$2.42	$1.63	$1.53	$1.00	$0.82	$0.97	$3.59	$1.24	$-4.77	$-3.98	$2.18	$2.09	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.06	$0.86	$0.80	$0.76	$0.74	$0.68	$0.60	$0.15	$0.42	$0.35	$0.22	$0.00	$0.00	$0.00	$0.69	$0.89	$0.88	—
Book Value per Share (USD)	$30.32	$26.65	$24.98	$21.45	$24.29	$21.98	$19.93	$18.39	$17.34	$16.28	$16.08	$15.40	$11.28	$10.85	$15.92	$20.10	—	—
Tangible Book Value per Share (USD)	$26.75	$23.13	$23.21	$19.69	$22.62	$20.31	$18.15	$17.06	$17.26	$16.28	$16.06	$15.35	$11.20	$10.75	$15.79	$20.10	—	—
Basic Weighted Avg Shares (shares)	19.20M	14.76M	10.34M	10.55M	10.97M	10.94M	10.36M	8.36M	8.07M	8.06M	8.11M	8.11M	8.09M	8.07M	8.02M	—	—	—
Dividend Payout Ratio (%)	—	—	—	36.4% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	24.7% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	28.1% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	36.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	9.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	42.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	42.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-17.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.8% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	42.1% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	$40.00M	$1.46M	$1.90M	$2.32M	—	$83.45M	$83.81M	$24.16M	$24.50M	$14.81M	$16.08M	$37.47M	$53.80M	$65.18M	—	—
Total Equity (USD)	$591.53M	$516.68M	$265.06M	$228.90M	$271.66M	$246.25M	$223.25M	$173.43M	$144.76M	$134.86M	$133.06M	$127.27M	$91.44M	$87.69M	$128.20M	$160.48M	$110.89M	$103.35M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$252.10M	$192.69M	$130.56M	$126.58M	$116.13M	$111.92M	$97.83M	$73.22M	$63.76M	$56.28M	$53.51M	$52.88M	$49.90M	$61.15M	$76.23M	$68.71M	$53.78M	—
Depreciation Expense (USD)	$3.40M	$2.60M	$1.90M	$2.10M	$2.30M	$3.20M	$2.70M	$2.61M	$2.65M	$2.31M	$2.31M	$2.46M	$2.21M	$2.00M	$2.04M	—	—	—
Net Income, GAAP (USD)	$80.86M	$22.05M	$35.66M	$22.04M	$32.88M	$26.46M	$16.92M	$12.80M	$8.09M	$6.63M	$7.87M	$29.14M	$10.00M	$-38.45M	$-31.96M	$16.58M	$13.37M	—
Operating Cash Flow (USD)	$74.73M	$34.96M	$43.70M	$36.19M	$40.81M	$30.17M	$9.09M	$22.49M	$16.35M	$15.59M	$12.16M	$17.26M	$32.96M	$18.66M	$34.85M	$24.81M	$12.51M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.6%	2.9%	3.4%	3.4%	3.1%	3.0%	2.9%	2.7%	2.8%	2.6%	2.7%	2.9%	2.7%	3.1%	3.4%	3.0%	—	—
Efficiency Ratio (%) (%)	59.3%	77.0%	64.2%	75.7%	63.8%	66.2%	79.0%	79.2%	78.9%	85.5%	83.4%	82.8%	86.7%	70.9%	79.3%	53.5%	58.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 2 days ago 18 years · 68 quarters

ORRSTOWN FINANCIAL SERVICES INC

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