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Companies / Financials / Orrstown Financial Services, Inc.
ORRF

Orrstown Financial Services, Inc.

FinancialsBanks & Brokers
Ticker ORRFHARRISBURG, PAFiscal year ends DecemberBook value per share $32.01Diluted shares 19.4M

Orrstown Financial Services, Inc. (Nasdaq: ORRF) is a financial holding company whose wholly owned subsidiary, Orrstown Bank, provides community banking and financial advisory services in south-central Pennsylvania and Maryland. The Bank offers commercial, residential mortgage, construction, municipal and consumer… From the company’s description.

Over the twelve months to Jun 30, 2026, Orrstown Financial Services, Inc. reported revenue of $256.54M, up 3.1% from a year earlier, and net income of $86.32M. Its pre-tax margin was 42.0%. In fiscal 2025, it reported revenue of $252.11M, up 30.8% from fiscal 2024, and net income of $80.86M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$252.11MFY2025
+30.8% year over year
Last 12 mo $256.54M
40.71%FY2025
+17.9 percentage points
Last 12 mo 41.97%
$80.86MFY2025
+266.7% year over year
Last 12 mo $86.32M
13.68%FY2025
+9.4 percentage points
Last 12 mo 13.89%
Cash & financing
$74.73MFY2025
+113.8% year over year
Last 12 mo $87.79M
$70.50MFY2025
+111.2% year over year
Last 12 mo $85.69M
8.18FY2025
Was 9.30× a year earlier
Last 12 mo 7.89
19.4MFY2025
+29.8% year over year
Last 12 mo 19.4M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Orrstown Financial Services, Inc. does

In the company’s own words

Orrstown Financial Services, Inc. (Nasdaq: ORRF) is a financial holding company whose wholly owned subsidiary, Orrstown Bank, provides community banking and financial advisory services in south-central Pennsylvania and Maryland. The Bank offers commercial, residential mortgage, construction, municipal and consumer lending; checking, savings, time-deposit and money-market accounts; and fiduciary, investment advisory, insurance and brokerage services. Its customers include individuals, businesses, nonprofits and government entities, with business-purpose loans making up about 75% of its loan portfolio at year-end 2025. The company operates through a single community banking segment. Orrstown Financial Advisors, a Bank division, provides fiduciary and investment services and retail brokerage through a third-party arrangement; its assets under management totaled $3.1 billion at December 31, 2025. The company’s merger with Codorus Valley Bancorp in July 2024 expanded its presence in York, Pennsylvania, and strengthened its existing markets. At December 31, 2025, it had $5.5 billion in assets and $4.5 billion in deposits, and the Bank employed 627 full-time and 25 part-time staff. Its website is www.orrstown.com.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
HARRISBURG, PA
Fiscal year end
December
CIK
826154
SIC
6022

Financial performance, year by year

Fiscal 2011–2025 · USD
$-67.95M$20.55M$109.04M$197.54M$286.04M201120122013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Orrstown Financial Services, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

195
funds hold it
0 of 35
superinvestors hold it
$236.32M
held by funds, at market
31.1%
of shares held by funds

Largest fund holders · Orrstown Financial Services, Inc.’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.03%of fund net assets
Avantis U.S. Small Cap Value ETF
AVUV · American Century ETF Trust
—of fund net assets
Schwab U.S. Dividend Equity ETF
SCHD · SCHWAB STRATEGIC TRUST
—of fund net assets
VANGUARD EXTENDED MARKET INDEX FUND
VXF · VANGUARD INDEX FUNDS
0.01%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Orrstown Financial Services, Inc. and its peers compare on margins and cash generation over ten years?”
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