ORRFNasdaqState Commercial BanksUS GAAP · USD

Orrstown Financial Services, Inc

Orrstown Financial Services, Inc. is a Pennsylvania-based financial holding company whose main operating subsidiary is Orrstown Bank, a state-chartered commercial bank. Through the bank, it provides deposit, lending, treasury management, and wealth and fiduciary services across south central Pennsylvania and nearby markets in Maryland and the broader Mid-Atlantic region.

Kysy yhtiöstä
Liikevaihto37,1milj. USD
+36,0 %v/v
Nettotulos80,9milj. USD
+266,7 %v/v
Vapaa kassavirta70,5milj. USD
+111,2 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

010203040milj. USD2020: 17 milj. USD20202021: 19 milj. USD20212022: 19 milj. USD20222023: 19 milj. USD20232024: 27 milj. USD20242025: 37 milj. USD202537
LiikevaihtoLiikevoitto (EBIT)
Kysy Clarifolta: Orrstown Financial Services, Inc

Liiketoiminta

Osuus liikevaihdosta
Lending45 %

Loans to businesses, households, and real estate borrowers across the bank's market area.

Deposit Services20 %

Checking, savings, money market, and certificate of deposit products for retail and business clients.

Treasury Management10 %

Cash management, ACH, wire origination, positive pay, lockbox, and merchant services.

Wealth and Fiduciary Services15 %

Trust, estate, custody, investment advisory, and brokerage-related services under Orrstown Financial Advisors.

Other Banking Services10 %

Fees from card processing, interchange, mortgage banking, and digital banking services.

Tuotteet

Raportoitu · osuus liikevaihdosta
40,3%22,9%18,7%18,1%FY2025100 %
  • Products and Services Trust and Investment Management Income40,3 %
  • Products and Services Service Charges On Deposits22,9 %
  • Products and Services Merchant and Bankcard Fees Interchange Income18,7 %
  • Products and Services Brokerage Income18,1 %

Lähde: 10-K FY2025, yhtiön tuotelinjoittain raportoima liikevaihto (SEC XBRL). Osuudet on laskettu näytetyistä riveistä ja ne summautuvat 100 %:iin.

Asiakkaat

Orrstown serves retail depositors, small and middle-market businesses, non-profits, and government clients in its local banking footprint. It also works with borrowers and wealth clients who want relationship-based banking, cash management, fiduciary administration, and advisory services. The bank’s mix reflects a community and regional banking model centered on deposits, commercial lending, and fee-based services.

Retail consumers

Households that use branch, online, and mobile channels for deposits, payments, and consumer borrowing.

Commercial and small business clients

Businesses that borrow, hold operating deposits, and use treasury management services.

Wealth and fiduciary clients

Individuals, estates, trusts, and institutions that use trust, custody, brokerage, and advisory services.

Non-profit and government clients

Organizations that place deposits and use cash management and payment services.

Strategia

Orrstown’s strategy is to deepen its core banking franchise by growing relationship-based lending, deposits, and fee businesses in its local markets. It also uses investment securities and balance-sheet management to support liquidity and interest-rate risk management while expanding digital capabilities and fee-generating services.

Expand core banking relationshipsKeskipitkä aikaväli

Deposit and loan relationships are the foundation of a community bank franchise and support cross-selling.

Increase fee-based incomeKeskipitkä aikaväli

Wealth, fiduciary, brokerage, and cash management services diversify revenue beyond spread income.

Improve digital deliveryLyhyt aikaväli

Digital tools help retain customers, reduce friction, and compete with larger banks and fintechs.

Manage balance-sheet riskLyhyt aikaväli

Interest-rate and liquidity management are central to a bank's earnings stability and funding profile.

Maantiede

The company is centered in south central Pennsylvania, with a principal presence in Harrisburg and surrounding counties, and it also serves the greater Baltimore region and Washington County, Maryland. Its lending footprint extends into parts of Pennsylvania, Maryland, Delaware, Virginia, West Virginia, and the District of Columbia within a 75-mile radius of its offices. Geography matters because the franchise depends on local deposit gathering, relationship lending, and market-specific competition.

Riskit

As a regional bank, Orrstown is exposed to credit losses, interest-rate sensitivity, deposit competition, and local economic conditions in its operating markets. It also faces technology, cybersecurity, and execution risks as it adds digital products, integrates acquisitions, and competes with larger banks, credit unions, and fintech firms.

Järjestetty vakavuuden mukaan
MatalaKohtalainenKorkeaMatalaKohtalainenKorkeaVaikutus →Todennäköisyys →Credit deterioration in the loan portfolio1Interest-rate and liquidity risk2Cybersecurity and operational disruption3Deposit competition and funding pressure4Acquisition and integration risk5
Vaikutus on riskin vakavuus ja todennäköisyys sen toteutumisen todennäköisyys lähivuosina, molemmat arvioitu yhtiön raporttien perusteella. Numerot vastaavat listaa.
  1. Credit deterioration in the loan portfolioVaikutus: KorkeaTodennäköisyys: Kohtalainen

    The bank lends to commercial and consumer borrowers whose repayment capacity depends on local economic conditions.

    Kohdistuu: Commercial and real estate lending

  2. Interest-rate and liquidity riskVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Loan yields, deposit costs, and securities valuations can move differently as rates change.

    Kohdistuu: Balance sheet and investment securities

  3. Cybersecurity and operational disruptionVaikutus: KorkeaTodennäköisyys: Matala

    Digital banking, payments, and third-party service providers increase attack surface and control complexity.

    KohdistuuOnline bankingMobile bankingTreasury services
  4. Deposit competition and funding pressureVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Regional banks compete with larger banks, online banks, and fintech alternatives for deposits.

    Kohdistuu: Retail and commercial deposits

  5. Acquisition and integration riskVaikutus: KeskitasoTodennäköisyys: Matala

    Mergers can create integration, valuation, and credit-quality challenges after closing.

    Kohdistuu: Codorus Valley merger and future acquisitions

Kysy Clarifolta: Orrstown Financial Services, Inc

Kirjanpito

Harkinnanvaraiset erät
Allowance for credit losses (CECL)

Management estimates lifetime expected losses using historical data, current conditions, and forecasts.

Vaikutus: Can materially change provision expense, net income, and regulatory capital

Business combination accounting

Acquired loans, deposits, and intangibles are recorded at fair value in mergers such as Codorus Valley.

Vaikutus: Affects goodwill, intangible amortization, and post-deal earnings

Available-for-sale securities valuation

Market-rate changes create unrealized gains and losses that are recorded in OCI.

Vaikutus: Affects equity and liquidity presentation

Income tax accounting

Tax-exempt loans, securities, and life insurance income alter the effective tax rate.

Vaikutus: Affects tax expense and comparability across periods

Samankaltaisia listattuja yhtiöitä

Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.

Franklin Financial Services Corporation

FRAF · State Commercial Banks

Norwood Financial Corp

NWFL · State Commercial Banks

Fulton Financial Corporation

FULT · National Commercial Banks

Kearny Financial Corp.

KRNY · Savings Institution, Federally Chartered

Mid Penn Bancorp

MPB · State Commercial Banks

Peoples Financial Services Corp

PFIS · National Commercial Banks

Päivitetty: 24.9.2026