Orrstown Financial Services Inc (ORRF)
Operating cash flow minus capital spending left $70.5M of free cash flow in fiscal 2025. At September 30, 2026 it held $125.6M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 9, 2026.
Key facts about Orrstown Financial Services Inc
- Net worth
- Orrstown Financial Services Inc has a market value (market cap) of $871.8M at the latest share price, and shareholders' equity of $605.2M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $74.7M of cash; after $4.2M of capital spending, free cash flow was $70.5M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 9, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Orrstown Financial Services Inc's next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Orrstown Financial Services Inc paid dividends of $1.06 per share in fiscal 2025, a yield of 2.39% at the current price.
What Orrstown Financial Services Inc does
Orrstown Financial Services Inc is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker ORRF.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $37.1M | $80.9M | $4.18 | $70.5M |
| 2024 | $27.3M | $22.1M | $1.48 | $33.4M |
| 2023 | $19.5M | $35.7M | $3.42 | $41.4M |
| 2022 | $19.5M | $22M | $2.06 | $35.3M |
| 2021 | $18.9M | $32.9M | $2.96 | $39.6M |
| 2020 | $16.5M | $26.5M | $2.40 | $28.9M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where ORRF ranks in Finance
Dividends
Orrstown Financial Services Inc paid $1.06 per share in fiscal 2025. At the current price that is a yield of 2.39%. It paid out $20.6M in cash dividends, 26% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.06 | $20.6M | 26% |
| 2024 | $0.86 | $13.2M | 60% |
| 2023 | $0.80 | $8.5M | 24% |
| 2022 | $0.76 | $8.3M | 38% |
| 2021 | $0.74 | $8.3M | 25% |
| 2020 | $0.68 | $7.6M | 29% |
Latest SEC filings
What Orrstown Financial Services Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 9, 2026
- October 21, 2026
- October 14, 2026Form 13F-HR filing 13F-HR
- October 8, 2026Passive stake (5% or more) SCHEDULE 13G
- August 13, 2026Form N-PX filing N-PX
- August 6, 2026
- July 22, 2026
- July 10, 2026Form 13F-HR filing 13F-HR
- May 29, 2026Other event 8-K
- May 8, 2026
What is ORRF worth? A DCF from its reported cash flow
Insider trades
What the people running Orrstown Financial Services Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| August 6, 2026 | Rice Michael JohnDirector | Sold | 2,530 | $109.2K |
| July 30, 2026 | Zullinger Joel RDirector | Gave as a gift | 120 | $5.2K |
| July 27, 2026 | Doll AmyEVP, Chief Admin. Officer | Sold | 3,002 | $124.9K |
| July 24, 2026 | Doll AmyEVP, Chief Admin. Officer | Exercised options | 1,549 | $32.9K |
| July 24, 2026 | Doll AmyEVP, Chief Admin. Officer | Exercised options | 879 | $22.8K |
| July 24, 2026 | Doll AmyEVP, Chief Admin. Officer | Exercised options | 574 | $17.2K |
| July 1, 2026 | Jaeger MichaelEVP, Chief Experience Officer | Shares withheld for tax | 296 | $12.1K |
| July 1, 2026 | Mulcahy SeanChief Accounting Officer | Shares withheld for tax | 296 | $12.1K |
Who owns ORRF
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Dimensional Fund Advisors LP13G, passive | 5.1% | October 8, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 163 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 1,680,316 | +199,755 |
| Dimensional Fund Advisors LP | 964,868 | +64,194 |
| Vanguard Capital Management LLC | 835,238 | +17,617 |
| State Street Corp | 679,718 | -121,001 |
| Charles Schwab Investment Management Inc | 665,017 | +72,330 |
| American Century Companies Inc | 602,129 | +105,044 |
| Geode Capital Management, LLC | 566,715 | +35,285 |
| Vanguard Portfolio Management LLC | 304,510 | +44,558 |
| Two Sigma Investments, LP | 290,058 | -10,912 |
| Algert Global LLC | 287,636 | -32,924 |
| Qube Research & Technologies Ltd | 276,117 | +25,896 |
| Nuveen, LLC | 243,765 | -94,203 |
| Manufacturers Life Insurance Company, The | 227,435 | -1,756 |
| Citadel Advisors LLC | 225,513 | +121,547 |
| Northern Trust Corp | 174,554 | +12,375 |
| ProShare Advisors LLC | 172,824 | -5,862 |
| Petiole USA ltd | 167,766 | -4,000 |
| Kennedy Capital Management LLC | 154,611 | -3,042 |
| Pacific Ridge Capital Partners, LLC | 146,302 | -1,132 |
| Man Group plc | 146,012 | +12,245 |
Insiders
31 insiders reported holding 488,845 shares in total, about $21.7M at the last price.
| Holder | Shares |
|---|---|
| Quinn Thomas R JrPresident & CEO, Director | 87,202 |
| Zullinger Joel RDirector | 58,852 |
| Brunner Brian DDirector | 53,029 |
| Doll AmyEVP, Chief Admin. Officer | 35,285 |
| Holt Christopher DEVP, Market President | 28,993 |
| Rice Michael JohnDirector | 24,522 |
| Coradi Robert GEVP, Chief Risk Officer | 17,115 |
| Metz Adam LSEVP, Chief Operating Officer | 16,401 |
| Kalani NeeleshEVP, Chief Financial Officer | 15,148 |
| Alpert Matthew DEVP, Chief Wealth Officer | 15,000 |
Questions about ORRF
What does Orrstown Financial Services Inc do?
Orrstown Financial Services Inc is a company in the Finance sector, listed on NASDAQ as ORRF. Its shares trade on NASDAQ under the ticker ORRF.
What is Orrstown Financial Services Inc's net worth?
Orrstown Financial Services Inc has a market value (market cap) of $871.8M at the latest share price, and shareholders' equity of $605.2M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Orrstown Financial Services Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $87.3M.
When did Orrstown Financial Services Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 9, 2026. It covers the period to September 30, 2026.
When is Orrstown Financial Services Inc's next earnings report?
Orrstown Financial Services Inc's next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Orrstown Financial Services Inc pay a dividend?
Yes. Orrstown Financial Services Inc paid dividends of $1.06 per share in fiscal 2025, a yield of 2.39% at the current price.
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Where the numbers come from
Financial figures are the values Orrstown Financial Services Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.