Stock Fundamentals

Company Information

Company Name
Orrstown Financial Services Inc
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US6873801053
CIK: 0000826154
CUSIP: 687380105
Currency: USD
Full Time Employees: 607
Phone: 717 532 6114
Fiscal Year End: December
IPO Date: May 13, 1999
Description:

Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. The company was founded in 1919 and is headquartered in Harrisburg, Pennsylvania.

Address:

4750 Lindle Road, Harrisburg, PA, United States, 17111

Directors & Officers

Name Title Year Born
Mr. Thomas Rodney Quinn Jr. President, CEO & Director 1959
Mr. Adam L. Metz Senior EVP & COO 1972
Mr. Robert G. Coradi Executive VP, Chief Risk Officer & Secretary 1962
Ms. Amy L. Doll Executive VP & Chief Administrative Officer NA
Heather K. Knisely Executive VP & Chief Human Resources Officer NA
Mr. Philip E. Fague CPA Executive VP & Chief Trust Officer of Orrstown Bank 1960
Mr. Jeffrey S. Gayman Executive VP & Chief Mortgage and Retail Officer 1973
Mr. Robert Russoli Chief Trust Officer, Senior VP for Orrstown Financial Advisors & Senior VP NA
Mr. Howard A. Pulker Senior VP & Senior Portfolio Manager NA
Mr. Keith D. Herr Senior VP & Commercial Team Leader of Pennsylvania NA

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 1.40M Sep 30, 2025 7.16% $0.00 -0.64%
Vanguard Group Inc 1.13M Dec 31, 2025 5.78% $0.00 1.05%
Fourthstone LLC 899.02K Dec 31, 2025 4.61% $5.96 -38.13%
Dimensional Fund Advisors, Inc. 831.74K Dec 31, 2025 4.26% $0.01 8.68%
State Street Corp 635.78K Sep 30, 2025 3.26% $0.00 5.14%
Geode Capital Management, LLC 467.94K Sep 30, 2025 2.40% $0.00 0.34%
American Century Companies Inc 405.83K Dec 31, 2025 2.08% $0.01 21.75%
Wellington Management Company LLP 285.00K Dec 31, 2025 1.46% $0.00 -53.16%
Two Sigma Investments LLC 284.57K Dec 31, 2025 1.46% $0.01 69.99%
Marshall Wace Asset Management Ltd 235.48K Sep 30, 2025 1.21% $0.01 0.96%
Manufacturers Life Insurance Co 232.61K Dec 31, 2025 1.19% $0.01 -1.15%
Renaissance Technologies Corp 222.15K Dec 31, 2025 1.14% $0.01 -8.37%
Petiole USA ltd 176.97K Dec 31, 2025 0.91% $4.06 0.00%
Northern Trust Corp 167.00K Sep 30, 2025 0.86% $0.00 2.57%
ProShare Advisors LLC 163.71K Dec 31, 2025 0.84% $0.01 -9.55%
Charles Schwab Investment Management Inc 160.50K Dec 31, 2025 0.82% $0.00 -0.04%
Kennedy Capital Management Inc 154.79K Dec 31, 2025 0.79% $0.12 -44.86%
Pacific Ridge Capital Partners, LLC 147.06K Dec 31, 2025 0.75% $1.14 -2.88%
Algert Global LLC 146.02K Dec 31, 2025 0.75% $0.08 0.00%
Qube Research & Technologies 142.14K Sep 30, 2025 0.73% $0.01 -17.07%

Shares Statistics

Shares Outstanding: 19.51M
Shares Float: 18.56M
% Insiders: 473.10%
% Institutions: 5,932.30%
Short % Float: 2.03%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 1.40M 7.16% ▼ 0.64% Sep 30, 2025
2 Vanguard Group Inc 1.13M 5.78% ▲ 1.05% Dec 31, 2025
3 Fourthstone LLC 899.02K 4.61% ▼ 38.13% Dec 31, 2025
4 Dimensional Fund Advisors, Inc. 831.74K 4.26% ▲ 8.68% Dec 31, 2025
5 State Street Corp 635.78K 3.26% ▲ 5.14% Sep 30, 2025
6 Geode Capital Management, LLC 467.94K 2.40% ▲ 0.34% Sep 30, 2025
7 American Century Companies Inc 405.83K 2.08% ▲ 21.75% Dec 31, 2025
8 Wellington Management Company LLP 285.00K 1.46% ▼ 53.16% Dec 31, 2025
9 Two Sigma Investments LLC 284.57K 1.46% ▲ 69.99% Dec 31, 2025
10 Marshall Wace Asset Management Ltd 235.48K 1.21% ▲ 0.96% Sep 30, 2025

Valuation Metrics

Enterprise Value: $853.74M
Trailing P/E: 8.18
Forward P/E: 8.89

Financial Highlights

Market Cap: $667.15M
P/E Ratio: $8.18
PEG Ratio: $0.00
Book Value: $30.32
Dividend/Share: $1.06
Dividend Yield: 3.10%
Earnings/Share: $4.18
Profit Margin: 32.08%
Operating Margin: 47.07%
ROA (TTM): 1.47%
ROE (TTM): 14.59%
Revenue (TTM): $252.08M
Revenue/Share (TTM): $13.13
Earnings Growth (YOY): 55.90%
Revenue Growth (YOY): 8.00%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 1.13x 0.04x 0.89x 0.99x 0.21x
2024-12-31 0.24x 0.41x 0.91x 0.30x 5.60x
2023-12-31 0.23x 0.68x 0.91x 1.00x 3.63x
2022-12-31 9.47x 1.14x 0.92x 2.95x 8.38x
2021-12-31 16.89x 0.22x 0.90x 6.08x 1.27x
2020-12-31 15.79x 0.68x 0.91x 2.03x 4.27x
2019-12-31 0.27x 1.16x 0.91x 0.83x 10.25x
2018-12-31 0.33x 1.03x 0.91x 1.07x 9.92x
2017-12-31 0.34x 1.23x 0.91x 1.63x 11.30x
2016-12-31 0.35x 0.83x 0.90x 1.46x 10.33x
2015-12-31 0.38x 0.85x 0.90x 2.21x 9.15x
2014-12-31 0.39x 0.80x 0.89x 3.13x 6.41x
2013-12-31 0.42x 0.82x 0.92x 1.96x 5.95x
2012-12-31 0.41x 0.54x 0.93x -4.04x -1.69x
2011-12-31 0.33x 0.69x 0.91x -3.98x -2.22x
2010-12-31 0.02x 0.70x 0.89x 1.82x 4.31x
2009-12-31 0.03x 1.20x 0.91x 1.06x 6.66x
2008-12-31 0.02x 1.25x 0.90x 0.96x 6.17x
2007-12-31 0.03x 1.39x 0.89x 0.77x 6.84x
2006-12-31 0.04x 0.83x 0.89x 0.95x 4.07x
2005-12-31 0.04x 1.33x 0.90x 1.51x 4.83x
2004-12-31 0.03x 1.47x 0.90x 1.57x 5.97x
2003-12-31 0.04x 1.56x 0.91x 1.43x 6.24x
2002-12-31 0.04x 2.03x 0.91x 1.02x 8.53x
2001-12-31 0.04x 2.72x 0.92x 0.66x 10.81x
2000-12-31 0.05x 1.50x 0.91x 0.55x 6.20x
1999-12-31 0.05x 0.70x 0.92x 0.63x 2.75x
1998-12-31 0.08x 0.30x 0.91x 0.59x 1.32x
1997-12-31 0.06x 0.01x 0.90x 0.61x 0.06x
1996-12-31 0.08x 0.00x 0.90x 0.60x 0.00x
1995-12-31 0.07x 0.00x 0.90x 0.59x 0.00x
1994-12-31 0.05x 0.05x 0.90x 0.66x 0.27x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Feb 02, 2026 Sarah M Brown N/A Purchase 406.00 $36.21 $14.70K
Oct 27, 2025 Cindy Jeannette Joiner N/A Purchase 302.00 $34.29 $10.36K
Sep 03, 2025 Sarah M Brown N/A Purchase 288.00 $35.00 $10.08K
Jul 28, 2025 Michael Jaeger N/A Sale 642.00 $34.25 $21.99K
Mar 24, 2025 Scott V Fainor N/A Purchase 3.00K $31.17 $93.51K
Mar 19, 2025 Brian D Brunner N/A Purchase 2.50K $30.87 $77.18K

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