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ORRSTOWN FINANCIAL SERVICES, INC.

ORRF

CIK 0000826154 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$76M
↓-4.7% -$4Mvs FY2024 (Q4)
Operating Income
$73M
↓-4.6% -$4Mvs FY2024 (Q4)
Net Income
$21M
↑+57.1% +$8Mvs FY2024 (Q4)
Gross Profit
$76M
↓-4.7% -$4Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
16/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    92D/E 0.15 (under 0.5 = conservative)
  • Efficiency
    0Asset Turnover 0.01x (1.0+ = capital-efficient)
  • Growth
    1Revenue YoY -4.7% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project ORRF's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

25%

Trailing 3-yr CAGR was 25.9%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$121.49
Total enterprise IV
$2.35B
Diluted shares
0.02B
Terminal PV
$1.83B (78% of total)
Year-5 FCF
$215M
YearProjected FCFDiscounted PV
+1$88M$80M
+2$110M$91M
+3$138M$103M
+4$172M$118M
+5$215M$134M
Terminal$2.94B$1.83B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$4M
investment in PP&E
Dividends paid (TTM)
$21M
cash returned to holders
Stock buybacks (TTM)
$263K
share count reduction
Stock-based comp (TTM)
$5M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$5.54B
everything owned
Total liabilities
$4.95B
everything owed
Stockholders' equity
$592M
shareholder claim
Long-term debt
$40M
outstanding bonds + loans

Recent performance · 63 quarters

Revenue↓-4.7% -$4M
$76M
Net Income↑+57.1% +$8M
$21M
Free Cash Flow↑+119.1% +$9M
$16M

Drill down

ORRF Sankey

See ORRSTOWN FINANCIAL SERVICES, INC.'s revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

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ORRF Charts

63 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

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ORRF Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

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