Orrstown Financial Services Inc. (ORRF)
Nasdaq · State Commercial Banks · Finance, insurance and real estate · CIK 826154 · fiscal year ends in Dec
Closing price $44.46 on 29 Oct 2026; 52-week range $33.11 to $44.69.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $256.5M
- Revenue growth
- 3.1%
- Net income, last twelve months
- $86.3M
- Earnings per share
- $4.45
- Net margin
- 33.6%
- Free cash flow
- $85.7M
- Return on equity
- 13.9%
- Market value
- $874.5M
- Price to earnings
- 10.0x
- Dividend yield
- 2.6%
- Cash
- $144.8M
- Debt
- $290.4M
- Debt to equity
- 0.47
- Shares outstanding
- 19.7M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $252.1M | – | $80.9M | $4.18 | $70.5M | 10-K filed 12 Mar 2026 |
| FY2024 | 31 Dec 2024 | $192.7M | – | $22.1M | $1.48 | $33.4M | 10-K filed 31 Mar 2025 |
| FY2023 | 31 Dec 2023 | $130.6M | – | $35.7M | $3.42 | $41.4M | 10-K filed 14 Mar 2024 |
| FY2022 | 31 Dec 2022 | $126.6M | – | $22.0M | $2.06 | $35.3M | 10-K filed 16 Mar 2023 |
| FY2021 | 31 Dec 2021 | $116.1M | – | $32.9M | $2.96 | $39.6M | 10-K filed 11 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $62.7M | $21.2M | $1.09 |
| Q1 FY2026 | 31 Mar 2026 | $64.6M | $21.8M | $1.12 |
| Q4 FY2025 | 31 Dec 2025 | $64.9M | $21.5M | $1.11 |
| Q3 FY2025 | 30 Sep 2025 | $64.4M | $21.9M | $1.13 |
| Q2 FY2025 | 30 Jun 2025 | $62.4M | $19.4M | $1.01 |
| Q1 FY2025 | 31 Mar 2025 | $60.4M | $18.1M | $0.93 |
| Q4 FY2024 | 31 Dec 2024 | $61.8M | $13.7M | $0.71 |
| Q3 FY2024 | 30 Sep 2024 | $64.1M | -$7.9M | -$0.41 |
Company events
The newest 8-K filings of 306 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 21 Oct 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 22 Jul 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 29 May 2026 | 8-K | Other events | 8.01, 9.01 |
| 6 May 2026 | 8-K | Leadership change, Shareholder vote | 5.02, 5.07, 9.01 |
| 5 May 2026 | 8-K | Investor update | 7.01, 9.01 |
| 22 Apr 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 28 Jan 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 22 Oct 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 29 Aug 2025 | 8-K | Other events | 8.01, 9.01 |
| 23 Jul 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 2 Jul 2025 | 8-K | Leadership change | 5.02, 9.01 |
| 23 Jun 2025 | 8-K | Other events | 8.01, 9.01 |
Every filing
The newest filings with the SEC of 597 held.
| Filed | Form | Period |
|---|---|---|
| 21 Oct 2026 | 8-K | 20 Oct 2026 |
| 13 Aug 2026 | N-PX | 30 Jun 2026 |
| 6 Aug 2026 | 10-Q | 30 Jun 2026 |
| 22 Jul 2026 | 8-K | 21 Jul 2026 |
| 29 May 2026 | 8-K | 29 May 2026 |
| 8 May 2026 | 10-Q | 31 Mar 2026 |
| 6 May 2026 | 8-K | 5 May 2026 |
| 5 May 2026 | 8-K | 5 May 2026 |
| 22 Apr 2026 | 8-K | 21 Apr 2026 |
| 27 Mar 2026 | DEF 14A | 27 Mar 2026 |
| 12 Mar 2026 | 10-K | 31 Dec 2025 |
| 12 Feb 2026 | EFFECT | – |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 6 Aug 2026 | Rice Michael John, Director | Sale outside a trading plan | 2,530 | $43.16 | $109.2K | 22,022 | 7 Aug 2026 |
| 27 Jul 2026 | Doll Amy, EVP, Chief Admin. Officer | Sale outside a trading plan | 3,002 | $41.61 | $124.9K | 25,669 | 28 Jul 2026 |
| 18 Mar 2026 | Brunner Brian D, Director | Purchase | 1,000 | $34.02 | $34.0K | 50,529 | 19 Mar 2026 |
| 11 Mar 2026 | Holt Christopher D, EVP, Market President | Sale outside a trading plan | 7,820 | $34.29 | $268.1K | 12,616 | 12 Mar 2026 |
| 19 Feb 2026 | Quinn Thomas R Jr, President & CEO | Sale outside a trading plan | 10,373 | $37.43 | $388.3K | 87,202 | 19 Feb 2026 |
| 18 Feb 2026 | Quinn Thomas R Jr, President & CEO | Sale outside a trading plan | 28 | $37.70 | $1.1K | 97,575 | 19 Feb 2026 |
| 5 Feb 2026 | Messick John Rodney, Director | Sale outside a trading plan | 2,500 | $38.62 | $96.5K | 7,167 | 9 Feb 2026 |
| 2 Feb 2026 | Brown Sarah M, Director | Purchase | 406 | $36.21 | $14.7K | 9,866 | 4 Feb 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 6 Aug 2026 | Michael J. Rice, Director | 2,530 | $109.6K | 6 Aug 2026 |
| 27 Jul 2026 | Amy Doll, affiliate | 3,002 | $124.9K | 27 Jul 2026 |
| 11 Mar 2026 | Christopher D. Hold, affiliate | 7,820 | $268.2K | 11 Mar 2026 |
| 18 Feb 2026 | Thomas R. Quinn Jr, affiliate | 10,401 | $393.7K | 18 Feb 2026 |
| 4 Feb 2026 | Messick John Rodney, Director | 2,500 | $94.5K | 5 Feb 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 8 Oct 2026 | Dimensional Fund Advisors LP | 13G | 5.1% | 1.0M |
| 27 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
| 13 Feb 2026 | Fourthstone LLC | 13G amended | 4.61% | 899.0K |
| 14 Nov 2025 | Fourthstone LLC | 13G amended | 7.45% | 1.5M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 478.1K | -6.55% | 5.81 |
| 30 Sep 2026 | 511.6K | -15.71% | 4.18 |
| 15 Sep 2026 | 606.9K | +15.82% | 8.1 |
| 31 Aug 2026 | 524.0K | -1.56% | 5.86 |
| 14 Aug 2026 | 532.3K | -1.36% | 5.5 |
| 31 Jul 2026 | 539.6K | -8.68% | 4.42 |
| 15 Jul 2026 | 590.9K | +3.08% | 4.83 |
| 30 Jun 2026 | 573.3K | -31.85% | 2.26 |
Funds that hold it
From each fund's latest Form 13F.
177 funds held it at 30 Jun 2026: 80 added and 47 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 1,680,316 | $68.6M | +199,755 |
| Dimensional Fund Advisors LP | 964,868 | $39.4M | +64,194 |
| Vanguard Capital Management LLC | 835,238 | $34.1M | +17,617 |
| State Street Corp. | 679,718 | $27.8M | -121,001 |
| Charles Schwab Investment Management Inc. | 665,017 | $27.2M | +72,330 |
| American Century Companies Inc. | 602,129 | $24.6M | +105,044 |
| Geode Capital Management, LLC | 566,715 | $23.1M | +35,285 |
| Vanguard Portfolio Management LLC | 304,510 | $12.4M | +44,558 |
| Two Sigma Investments, LP | 290,058 | $11.8M | -10,912 |
| Algert Global LLC | 287,636 | $11.7M | -32,924 |
Peers
Companies in the same industry.
- Bank of Nova Scotia (BNS): revenue $27.0B, market value $118.0B
- Bank of New York Mellon Corp. (BNY): revenue $21.4B, market value $101.3B
- Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $81.3B
- Fifth Third Bancorp (FITB): revenue $10.7B, market value $49.4B
- State Street Corp. (STT): revenue $15.5B, market value $47.4B
- M&T Bank Corp. (MTB): revenue $10.0B, market value $32.4B
- Northern Trust Corp. (NTRS): revenue $9.3B, market value $31.3B
- Banco Bradesco S.A. (BBD): revenue –, market value $27.8B
- Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $27.7B
- First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $27.5B