Orrstown Financial Services

Orrstown Bank, headquartered in Shippensburg, Pa., is a true local bank. Although Orrstown has the services and perks you’d find at a larger bank, it still has that personal touch.

We get to know our customers so we can provide solutions based on their unique situations. Our customers know they can count on us, and that’s important to us. We greet them by name, and we’re never too busy to take care of them.

At Orrstown, it’s personal.

We were established in 1919 in Orrstown, Pa., a small town less than an hour outside of Harrisburg. Until 1981, we only had one branch. Since then, we've grown to 22 locations and we’re planning to grow even more.

In 2009, we became a publicly traded company (Nasdaq: ORRF).

With nearly $1.3 billion in assets, Orrstown Financial Services, Inc. and its wholly-owned subsidiary, Orrstown Bank, provide a full range of financial services including personal banking, business banking, mortgages, retirement and wealth management, and a special selection of services designed for small businesses.

Shippensburg, US
Size (employees)
294 (est)
Orrstown Financial Services was founded in 1919 and is headquartered in Shippensburg, US

Orrstown Financial Services Office Locations

Orrstown Financial Services has an office in Shippensburg
Shippensburg, US (HQ)
77 E King St

Orrstown Financial Services Metrics

Orrstown Financial Services Financial Metrics

Revenue (2016)

$61.7 m

Revenue growth (2015-16), %


Gross profit

$56.3 m

Gross profit margin (2016), %


Net income (2016)

$6.6 m

Market capitalization (21-Mar-2017)

$182.2 m

Closing share price (21-Mar-2017)


Cash (31-Dec-2016)

$30.3 m
Orrstown Financial Services's current market capitalization is $182.2 m.
Orrstown Financial Services's revenue was reported to be $61.7 m in 2016
FY, 2013FY, 2014FY, 2015Y, 2016


$37.1 m$38.2 m$38.6 m$61.7 m

Revenue growth, %


Cost of goods sold

$5 m$4.2 m$4.3 m$5.4 m

Gross profit

$32.1 m$34 m$34.3 m$56.3 m

Gross profit Margin, %



$35.2 m$37.9 m$34.9 m$36.3 m

EBIT margin, %


Interest income

$32.1 m$34 m$34.3 m$36.5 m

Pre tax profit

$9.5 m$7.9 m

Net Income

$10 m$29.1 m$7.9 m$6.6 m
FY, 2013FY, 2014FY, 2015FY, 2016


$37.6 m$31.4 m$28.3 m$30.3 m

Accounts Receivable

$3.4 m$3.1 m$3.8 m$4.7 m



$26.4 m$24.8 m$24 m$34.9 m

Total Assets

$1.2 b$1.2 b$1.3 b$1.4 b

Accounts Payable

Total Debt

$75.1 m$101.6 m$113.7 m$112 m

Additional Paid-in Capital

$123.1 m

Retained Earnings

($27.3 m)$1.9 m$7.9 m$11.7 m

Total Equity

$91.4 m$133.1 m$134.9 m

Debt to Equity Ratio

0.8 x0.9 x0.8 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x

Financial Leverage

12.9 x9.7 x10.5 x
FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

$10 m$29.1 m$7.9 m$6.6 m

Depreciation and Amortization

$2.8 m$2.8 m$2.9 m$3 m

Accounts Receivable


Accounts Payable

Cash From Operating Activities

$33 m$17.3 m$12.2 m$15.6 m

Cash From Investing Activities

($89.7 m)$727 k($107.3 m)($128.9 m)

Long-term Borrowings

($21.4 m)($11.3 m)($10.3 m)($332 k)

Dividends Paid

($1.8 m)($2.9 m)

Cash From Financing Activities

($56.4 m)($24.1 m)$92.1 m$115.2 m

Interest Paid

$5.1 m$4.2 m$4.2 m$5.3 m

Income Taxes Paid

$800 k$1.3 m

Orrstown Financial Services Market Value History

Orrstown Financial Services Online Presence

Orrstown Financial Services Company Life

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