Orrstown Financial Services (ORRF) Financial Statements & Analysis

Orrstown Financial Services (ORRF) Income Statement

Orrstown Financial Services reported revenue of $252.08M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 43.1% from $176.14M a year earlier. Net income was $80.86M, up 266.7% year over year, a net margin of 32.1%. Gross margin was 99.2% and operating margin 40.7%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $61.50M, down 0.5% from the same quarter a year earlier.

Orrstown Financial Services Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Orrstown Financial Services, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	252.08	176.14	174.30	134.32	114.92	126.88	120.52	85.89	70.64
Cost of Revenue	103.89	110.23	46.67	13.21	7.81	21.35	24.60	14.31	8.64
Gross Profit	249.97	173.86	127.62	121.11	113.83	105.53	95.92	71.58	61.99
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	50.71	39.60	56.02	52.29	47.86	46.62	42.83	35.78	33.35
Operating Expenses	147.26	146.06	82.59	94.49	72.94	73.02	76.29	57.13	49.56
Operating Income	102.71	27.81	45.03	26.62	40.90	32.51	19.63	14.45	12.43
Other Income/Expense
Interest Income	303.73	248.93	149.90	108.65	93.70	99.63	92.99	65.67	51.45
Interest Expense	103.94	93.68	44.99	9.02	6.72	16.02	23.70	13.47	7.64
Other Income/Expense	-0.08	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	102.64	27.81	45.03	26.62	40.90	32.51	19.63	14.45	12.43
Income Tax Expense	21.78	5.76	9.37	4.58	8.01	6.05	2.71	1.64	4.34
Net Income	80.86	22.05	35.66	22.04	32.88	26.46	16.92	12.81	8.09
Net Income - Continuous Operations	80.86	22.05	35.66	22.04	32.88	26.46	16.92	12.81	8.09
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	15.27	9.69	49.37	31.24	5.31	39.08	25.18	18.09	15.69
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	13.97	5.74	4.34	4.62	1.28	6.57	5.55	3.64	3.27
Earnings Per Share
Basic EPS	4.00	1.00	3.00	2.00	3.00	2.00	2.00	2.00	1.00
Diluted EPS	4.00	1.00	3.00	2.00	3.00	2.00	2.00	2.00	1.00
Basic Shares Outstanding	19.20	14.76	10.34	10.55	10.97	10.94	10.36	8.37	8.09
Diluted Shares Outstanding	19.36	14.91	10.44	10.71	11.11	11.03	10.51	8.54	8.23

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Orrstown Financial Services Financial Statements

What was Orrstown Financial Services's revenue in fiscal 2025?

Orrstown Financial Services reported revenue of $252.08M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 43.1% from $176.14M a year earlier.

Is Orrstown Financial Services profitable?

Yes. Orrstown Financial Services earned net income of $80.86M in fiscal 2025, a net margin of 32.1%. In fiscal 2024 it earned $22.05M.

What is Orrstown Financial Services's operating margin?

Orrstown Financial Services's operating income was $102.71M on revenue of $252.08M in fiscal 2025, an operating margin of 40.7%, compared with 15.8% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition