ORRF
ORRSTOWN FINANCIAL SERVICES INC
NASDAQ · Financial Services · Banks - Regional · US
$45.35
+2.21%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 360.2M | 353.9M | 284.1M | 174.3M | 134.3M |
| Cost of Revenue | 103.1M | 103.9M | 110.2M | 46.7M | 13.2M |
| Gross Profit | 257.1M | 250.0M | 173.9M | 127.6M | 121.1M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 100.5M | 90.5M | 82.6M | 56.0M | 52.3M |
| General & Admin Expense | 100.0M | 88.2M | 80.0M | 53.9M | 50.0M |
| Selling & Marketing Expense | 561.0K | 2.3M | 2.6M | 2.2M | 2.3M |
| Other Expenses | 48.5M | 56.8M | 63.4M | 26.6M | 42.2M |
| Total Operating Expenses | 149.1M | 147.3M | 146.1M | 82.6M | 94.5M |
| Cost and Expenses | 252.2M | 251.2M | 256.3M | 129.3M | 107.7M |
| Operating Income (EBIT) | 108.1M | 102.7M | 27.8M | 45.0M | 26.6M |
| Non-Operating | |||||
| Interest Income | 303.1M | 303.7M | 248.9M | 149.9M | 108.7M |
| Interest Expense | 101.4M | 103.9M | 93.7M | 45.0M | 9.0M |
| Net Interest Income | 201.7M | 199.8M | 155.3M | 104.9M | 99.6M |
| Other Non-Op Income/Expense | (75.0K) | (75.0K) | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 108.0M | 102.6M | 27.8M | 45.0M | 26.6M |
| Income Tax Expense | 20.7M | 21.8M | 5.8M | 9.4M | 4.6M |
| Bottom Line | |||||
| Net Income | 87.3M | 80.9M | 22.1M | 35.7M | 22.0M |
| Earnings from Cont. Ops | 87.3M | 80.9M | 22.1M | 35.7M | 22.0M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 87.3M | 80.9M | 22.1M | 35.7M | 22.0M |
| Per Share | |||||
| Basic EPS | $4.70 | $4.21 | $1.49 | $3.45 | $2.09 |
| Diluted EPS | $4.66 | $4.18 | $1.48 | $3.42 | $2.06 |
| Revenue Per Share | $18.59 | $21.26 | $19.25 | $16.86 | $12.73 |
| Shares | |||||
| Basic Shares Outstanding | 19.4M | 16.6M | 14.8M | 10.3M | 10.6M |
| Diluted Shares Outstanding | 19.5M | 16.8M | 14.9M | 10.4M | 10.7M |
| Profitability Metrics | |||||
| EBITDA | 118.7M | 118.0M | 37.5M | 49.4M | 31.2M |
| D&A | 10.7M | 15.3M | 9.7M | 4.3M | 4.6M |
| EBIT | 108.1M | 102.7M | 27.8M | 45.0M | 26.6M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026