Orrstown Financial Services (ORRF) Cash Flow: Operating & Free Cash Flow

Orrstown Financial Services (ORRF) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Orrstown Financial Services generated $74.73M of operating cash flow and spent $4.24M on capital expenditures. That left free cash flow of $70.50M, up 111.2% from $33.38M a year earlier, or 28.0% of revenue. It returned $22.91M to shareholders through $20.64M in dividends and $2.27M in share buybacks.

Orrstown Financial Services Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Cash flow statement showing operating, investing, and financing activities for Orrstown Financial Services, Inc. (ORRF) - 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
Operating Activities
Net Income	80.86	22.05	35.66	22.04	32.88	26.46	16.92	12.81	8.09
Depreciation & Amortization	15.27	9.69	4.34	4.62	5.31	6.57	5.55	3.64	3.27
Deferred Income Tax	6.00	-0.87	-0.65	-0.59	0.94	-1.97	1.78	0.54	3.08
Stock Based Compensation	5.01	8.72	2.36	2.15	1.95	2.09	1.59	1.49	1.39
Change in Working Capital	-5.38	-6.45	-4.08	6.72	-1.92	-1.93	-4.04	1.82	1.64
Change in Accounts Receivable	5.43	-10.61	1.57	-4.17	-3.20	-2.89	1.25	-0.88	-0.38
Change in Accounts Payable	-10.81	4.17	-5.65	10.86	1.28	0.95	-5.29	2.70	2.01
Change in Other Working Capital	-5.38	0.00	1.96	-6.31	0.00	0.00	0.00	0.00	0.00
Other Operating Activities	-22.86	1.81	1.96	14.92	1.65	-1.05	-12.70	2.19	-1.11
Net Cash from Operating Activities	74.73	34.96	43.70	36.19	40.81	30.17	9.09	22.49	16.35
Investing Activities
Capital Expenditures	-4.24	-1.58	-2.29	-0.90	-1.25	-1.30	-2.91	-4.79	-2.65
Acquisitions	0.00	45.28	-17.64	0.00	0.00	0.00	29.44	12.41	0.00
Purchases of Investments	-273.82	-235.74	-46.44	-181.53	-195.05	-26.69	-190.53	-226.61	-205.75
Sales/Maturities of Investments	169.09	238.72	57.00	82.85	189.20	56.24	232.69	174.74	191.09
Other Investing Activities	-0.69	14.32	-0.67	1.55	5.09	-320.81	-50.23	-95.14	-128.58
Net Cash from Investing Activities	-181.96	60.99	-153.25	-270.99	-2.01	-292.57	18.46	-139.40	-145.89
Financing Activities
Debt Repayment	-47.50	-14.37	-1.46	-0.44	-52.31	-140.43	19.02	1.99	65.36
Common Stock Issued	0.15	0.00	0.14	0.13	0.00	0.00	0.00	0.16	0.14
Common Stock Repurchased	-2.27	-2.39	-2.96	-14.46	-2.38	-1.89	-1.77	-0.65	0.00
Dividends Paid	-20.64	-13.18	-8.49	-8.26	-8.28	-7.61	-6.15	-4.38	-3.49
Other Financing Activities	0.57	117.70	101.44	11.44	107.63	481.39	-71.51	178.96	67.20
Net Cash from Financing Activities	8.13	87.76	113.89	86.91	44.65	331.47	-60.41	175.92	129.08
Summary
Net Change in Cash	-99.10	183.71	4.34	-147.89	83.45	69.30	-32.85	59.01	-0.47
Cash at Beginning of Period	248.87	65.16	60.82	208.71	125.26	55.96	88.82	29.81	30.27
Cash at End of Period	149.77	248.87	65.16	60.82	208.71	125.26	55.96	88.82	29.81
Free Cash Flow	70.50	33.38	41.41	35.30	39.56	28.87	6.18	17.70	13.70
Supplemental Disclosures
Interest Paid	-	93.32	42.89	8.72	6.81	-	-	-	-
Income Taxes Paid	-	9.63	7.45	4.90	4.40	-	-	-	-

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 Cash Flow

What is Orrstown Financial Services's free cash flow?

Orrstown Financial Services generated free cash flow of $70.50M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $74.73M minus $4.24M of capital expenditures. That was up 111.2% from $33.38M a year earlier. Free cash flow equaled 28.0% of revenue.

How much does Orrstown Financial Services spend on capital expenditures?

Orrstown Financial Services spent $4.24M on capital expenditures in fiscal 2025, compared with $1.58M a year earlier. That equals 5.7% of operating cash flow.

Does Orrstown Financial Services pay dividends or buy back shares?

Yes. In fiscal 2025 Orrstown Financial Services returned $20.64M in dividends and $2.27M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition