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.

Company Growth (employees)
Shippensburg, US
Size (employees)
311 (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 Financials and Metrics

Orrstown Financial Services Financials

Orrstown Financial Services's revenue was reported to be $61.7 m in FY, 2016

Revenue (Q2, 2017)

18.1 m

Gross profit (Q2, 2017)

16.3 m

Gross profit margin (Q2, 2017), %


Net income (Q2, 2017)

3.3 m

EBIT (Q2, 2017)

10.6 m

Market capitalization (13-Dec-2017)

205.1 m

Cash (30-Jun-2017)

38 m


281.6 m
Orrstown Financial Services's current market capitalization is $205.1 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016


37.1 m38.2 m38.6 m61.7 m

Revenue growth, %


Cost of goods sold

5 m4.2 m4.3 m5.4 m

Gross profit

32.1 m34 m34.3 m56.3 m
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017


13.6 m14 m14.5 m14.7 m15.6 m14.8 m15.2 m16.2 m18.1 m

Cost of goods sold

1.2 m1.1 m970 k1.2 m1.3 m1.3 m1.4 m1.6 m1.8 m

Gross profit

12.4 m13 m13.5 m13.5 m14.3 m13.5 m13.8 m14.6 m16.3 m

Gross profit Margin, %

USDFY, 2013FY, 2014FY, 2015FY, 2016


37.6 m31.4 m28.3 m30.3 m

Accounts Receivable

3.4 m3.1 m3.8 m14.2 m


883.4 m


26.4 m24.8 m24 m34.9 m
USDQ3, 2013Q1, 2014Q2, 2014Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017


70.4 m30.4 m40 m23.8 m34.3 m66.9 m63.6 m37.6 m28.6 m38 m

Accounts Receivable

10.8 m18.3 m


683.6 m673.3 m678.9 m751.5 m762.9 m804.7 m831.9 m847.1 m901.3 m934.4 m


26.4 m26.4 m26 m24.3 m24.2 m29.7 m31.4 m34.6 m34.8 m35 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

10 m29.1 m7.9 m6.6 m

Depreciation and Amortization

2.8 m2.8 m2.9 m3 m

Cash From Operating Activities

33 m17.3 m12.2 m15.6 m

Cash From Investing Activities

(89.7 m)727 k(107.3 m)(128.9 m)
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017

Net Income

7.1 m2 m4.9 m10 m2.5 m4 m6.4 m2.6 m3.3 m4.7 m2 m5.3 m

Depreciation and Amortization

2.1 m765 k1.5 m2.1 m741 k1.5 m2.2 m741 k1.5 m2.2 m895 k1.5 m

Accounts Receivable

86 k155 k

Cash From Operating Activities

16.3 m4 m10.7 m16 m760 k4.9 m8.2 m5.1 m5.4 m10.3 m3.9 m7.6 m
Y, 2017


26.5 x


37.3 x

Financial Leverage

10.3 x
Show all financial metrics

Orrstown Financial Services Operating Metrics

Orrstown Financial Services's Total Loans Issued was reported to be $934.4 m in Q2, 2017. Orrstown Financial Services's Assets Under Management was reported to be $1.2 b in FY, 2016, which is a 22% increase from the previous period
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Non-accrual Loans

$14.43 m$13.89 m$10.26 m$16.27 m$16.56 m$15.91 m$14.09 m$13.55 m$7.04 m$6.38 m$5.16 m

Total Loans Issued

$704.95 m$727.29 m$751.53 m$762.86 m$781.71 m$804.7 m$831.93 m$847.06 m$883.39 m$901.33 m$934.38 m

Bank Branches


Assets Under Management

$1.02 b$966.36 m$1.17 b
Show all operating metrics

Orrstown Financial Services Market Value History

Orrstown Financial Services's Web-traffic and Trends

Orrstown Financial Services Online and Social Media Presence

Orrstown Financial Services Company Life and Culture

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