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Earnings transcript
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ORRF
Orrstown Financial Services, Inc.
$41.95
-0.27
(-0.64%)
| Exchange: | NASDAQ |
| Market Cap: | 824.226M |
| Shares Outstanding: | 5.247M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Adam L. Metz | |||||
| Full Time Employees: | 627 | |||||
| Address: |
| |||||
| Website: | https://www.orrstown.com |
Orrstown Financial Services, Inc. serves as the parent company for Orrstown Bank, offering a comprehensive range of commercial banking and trust solutions throughout the United States. The institution accepts various types of deposits, including checking, savings, time, demand, and money market accounts. It extends diverse credit options, encompassing commercial loans for real estate, equipment, construction, working capital, industrial endeavors, and other business purposes. For individual clients, Orrstown provides home equity loans and lines of credit, residential mortgage financing, and an array of other consumer lending products. Furthermore, the company offers specialized funding such as acquisition and development loans, municipal financing, and installment loans. Operating under the brand Orrstown Financial Advisors, the firm delivers extensive fiduciary services, taking on roles like trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor. It also facilitates retail brokerage services through a collaborative arrangement with an external broker/dealer, and provides direct investment advisory and insurance services. Established in 1919, Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania. Its operational footprint spans multiple counties in Pennsylvania (Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York) and Maryland (Anne Arundel, Baltimore, Howard, and Washington, alongside Baltimore City).
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 174,297 | 284,087 | 353,863 |
| Gross Profit | 127,624 | 173,862 | 249,970 |
| EBITDA | 49,373 | 37,496 | 116,682 |
| Operating Income | 45,033 | 27,806 | 102,712 |
| Net Income | 35,663 | 22,050 | 80,855 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 3,064,240 | 5,441,589 | 5,542,255 |
| Total Liabilities | 2,799,184.001 | 4,924,907 | 4,950,720 |
| Total Stockholders Equity | 265,055.999 | 516,682 | 591,535 |
| Total Debt | 169,593 | 184,044 | 336,365 |
| Cash and Cash Equivalents | 65,161 | 238,308 | 42,083 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 43,701 | 34,959 | 38,665 |
| Capital Expenditure | -2,293 | -1,582 | 0 |
| Free Cash Flow | 41,408 | 33,377 | 38,665 |
| Net Income | 35,663 | 22,050 | 80,855 |
| Net Change in Cash | 4,338 | 183,713 | -11,656 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 269,843.122 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 271,856.877 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 270,850 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 73,253.740 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 73,800.410 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 73,527.075 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 72,374.157 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 74,869.777 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 73,621.967 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 89,081.784 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 89,746.573 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 89,414.179 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 4.390 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 4.470 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 4.320 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 3 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 3 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Orrstown Financial Services, Inc. reported strong results in the Q3 2025 earnings call, with key financial metrics such as revenue and net income showing positive trends. The company's ability to maintain profitability, as evidenced by consistent operating income and EPS figures from income statements, positions it well within the financial sector.
- Robust Cash Flow Generation: Analysis of cash flow statements indicates strong net cash provided by operating activities and positive free cash flow, reflecting operational efficiency. This financial stability supports reinvestment and debt management, enhancing investor confidence.
- Effective Risk Management: The Q3 2025 earnings call highlighted proactive measures to address risks in classified loans, particularly in commercial real estate (CRE) and commercial & industrial (C&I) sectors. This focus on risk mitigation strengthens the company’s resilience against potential credit losses.
- Valuation Metrics: The forward P/E ratio, based on analyst estimates, suggests a reasonable valuation compared to industry averages (as per industry_avg_priceToEarningsRatioTTM). This indicates that ORRF may be attractively priced relative to peers, appealing to value-focused investors.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates ORRF intrinsic value between $32.93 – $79.43 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about ORRF valuation
Is Orrstown Financial Services, Inc. (ORRF) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Orrstown Financial Services, Inc. (ORRF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is ORRF a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ORRF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is ORRF’s P/E ratio?
You can see ORRF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for ORRF?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is ORRF a good long-term investment?
Whether ORRF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
ORRF
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Daily snapshot
-0.64
Trading Metrics:
| Open: | 41.64 | Previous Close: | 42.22 | |
| Day Low: | 41.64 | Day High: | 42 | |
| Year Low: | 31.87 | Year High: | 43.81 | |
| Price Avg 50: | 41.63 | Price Avg 200: | 37.79 | |
| Volume: | 31408 | Average Volume: | 129251 |
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Welcome to MARKETSNAP’s SWOT analysis for Orrstown Financial Services, Inc., a regional player in the banking and financial services space. If you’re a long-term investor looking to uncover hidden gems or just want to diversify your portfolio with some steady performers, you’re in the right place. Today, we’re diving deep into Orrstown Financial Services, breaking down what makes this company tick, where it shines, where it struggles, and what could shape its future. So, grab a coffee, let’s chat about…
