profit from every $100 of sales.
$0$100
Orrstown Financial Services
$44.10+0.00% today
+28.1% in 1 year
1-year low $33.571-year high $45.27
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $10.73 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Orrstown Financial Services sold, what it kept, and what it did with the cash.
Sales went from $125 million in 2022 to $249 million in 2025, with $80.9 million of profit last year.
SalesProfit
Orrstown Financial Services handed back 33% of the cash it generated last year.
$21M
Free cash flow 2025$70M
Bought back its own shares$2M
Paid as dividends$21M
Cash vs. debt$150M vs. $312M
Orrstown Financial Services vs. similar companies
Orrstown Financial Services grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Orrstown Financial Services | 10.7× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Orrstown Financial Services's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 125 | 129 | 190 | 249 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 22 | 36 | 22 | 81 | |
| 2.06 | 3.42 | 1.48 | 4.18 | |
| – | – | – | – | |
| – | – | – | – | |
| 17.6% | 27.6% | 11.6% | 32.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,922 | 3,064 | 5,442 | 5,542 |
| Cash | 61 | 65 | 249 | 150 |
| Total debt | 138 | 170 | 184 | 312 |
| Total liabilities | 2,694 | 2,799 | 4,925 | 4,951 |
| 229 | 265 | 517 | 592 | |
| 11 | 10 | 15 | 19 | |
| – | – | – | – | |
| 9.6% | 13.5% | 4.3% | 13.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 36 | 44 | 35 | 75 | |
| 1 | 2 | 2 | 4 | |
| 35 | 41 | 33 | 70 | |
| Dividends paid | 8 | 8 | 13 | 21 |
| 14 | 3 | 2 | 2 | |
| 2 | 2 | 9 | 5 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 10.7×
- 10.5×
- 0.40
- 1.1×
- 3.5×
- 9.3%
- 3.2%
Profitability
- 32.5%
- 7.0%
- 7.1%
- 14.6%
- 1.5%
Growth
- +25.7%
- +26.6%
- +9.3%
- +11.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 37%of 827
Top 31%of 709
Top 31%of 876
Top 17%of 879
Top 36%of 926
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 21, 2026 | 1.12 | 1.05 | +6.7% |
| Jan 27, 2026 | 1.11 | 1.08 | +2.8% |
| Oct 21, 2025 | 1.13 | 1.06 | +6.6% |
| Jul 22, 2025 | 1.04 | 0.99 | +5.1% |
| Apr 22, 2025 | 1.00 | 0.95 | +5.3% |
| Mar 31, 2025 | 0.71 | – | – |
| Oct 22, 2024 | 1.11 | 0.91 | +22.0% |
| Jul 23, 2024 | 0.83 | 0.73 | +13.7% |
3.2%of the share price, paid each year
On $1,000 invested$32a year at today's yield, before tax
+9.3%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.22 in 2015 → $1.06 in 2025
How safe it looks
25.5% of its profit
Room to growStretchedMore than it earns: 29.3%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
60Pass
Benjamin Graham
86Pass
Philip Fisher
78Pass
Peter Lynch
95Pass
Joel Greenblatt
24No pass
Charlie Munger
53No pass
Terry Smith
53No pass
Questions about Orrstown Financial Services
Is Orrstown Financial Services a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Orrstown Financial Services AI analysis
What does Orrstown Financial Services do?
Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank that provides commercial banking and trust services in the United States. The company accepts various deposits, including checking, savings, time, demand, and money market deposits. It is in Banks - Regional.
Does Orrstown Financial Services pay a dividend?
Yes. At today's price the dividend is 3.2% a year, about 26% of its yearly profit. In 2025 it paid out $20.6 million in dividends.
Is Orrstown Financial Services stock halal?
No. Orrstown Financial Services does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Orrstown Financial Services stock done over the past year?
Up 28.1% over the past twelve months, to $44.10. It traded between $33.57 and $45.27 and is 2.6% below its high.
Who are Orrstown Financial Services's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Orrstown Financial Services's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.