Orrstown Financial Services operates as the bank holding company for Orrstown Bank that provides commercial banking and trust services. The Company accepts various deposits. Its loan products include commercial loans, consumer loans, residential mortgage loans, and agribusiness, acquisition and development, municipal, and installment and other loans. The Company also renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as provides other fiduciary and retail brokerage services. In addition, it offers financial services, such as investment, brokerage, trusts, and life insurance products.

Type
Public
HQ
Shippensburg, US
Founded
1919
Size (employees)
311 (est)
Orrstown Financial Services was founded in 1919 and is headquartered in Shippensburg, US
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Orrstown Financial Services Office Locations

Orrstown Financial Services has an office in Shippensburg
Shippensburg, US (HQ)
77 East King Street
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Orrstown Financial Services Financials and Metrics

Orrstown Financial Services Financials

Orrstown Financial Services's revenue was reported to be $61.70 m in FY, 2016 which is a 59.7% increase from the previous period.
USD

Net income (FY, 2017)

8.1 m

EBIT (FY, 2017)

42.4 m

Market capitalization (23-Apr-2018)

208.6 m

Cash (31-Dec-2017)

29.8 m

EV

356.2 m
Orrstown Financial Services's current market capitalization is $208.6 m.
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

37.1 m38.2 m38.6 m61.7 m

Revenue growth, %

3%1%60%

Cost of goods sold

5 m4.2 m4.3 m5.4 m7.6 m

Gross profit

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

Revenue

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, %

91%92%93%92%92%91%91%90%90%
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

37.6 m31.4 m28.3 m30.3 m29.8 m

Accounts Receivable

3.4 m3.1 m3.8 m14.2 m8.1 m

Inventories

883.4 m1 b

PP&E

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

Cash

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

Inventories

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

PP&E

26.4 m26.4 m26 m24.3 m24.2 m29.7 m31.4 m34.6 m34.8 m35 m
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

10 m29.1 m7.9 m6.6 m8.1 m

Depreciation and Amortization

2.8 m2.8 m2.9 m3 m3.3 m

Inventories

Accounts Payable

Quarterly
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

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

Cash From Investing Activities

(12.7 m)16.2 m(2.9 m)6.3 m(51.6 m)(80.3 m)44.7 m22.1 m(53 m)(41.8 m)(44.2 m)
USDY, 2017

EV/EBIT

8.4 x

EV/CFO

21.8 x

Financial Leverage

10.8 x
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Orrstown Financial Services Operating Metrics

Orrstown Financial Services's Assets Under Management was reported to be $1.2b in FY, 2016. Orrstown Financial Services's Total Loans was reported to be $934.4m in Q2, 2017.
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Assets Under Management

$1.02 b$966.36 m$1.17 b

Bank Branches

22 22 25

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

$704.95 m$727.29 m$751.53 m$762.86 m$781.71 m$804.70 m$831.93 m$847.06 m$883.39 m$901.33 m$934.38 m
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