Orrstown Financial Services, Inc. (ORRF) Income Statement
ORRF 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsORRF revenue and net income
Where ORRF's revenue goes
2025Each bar shows an amount and its share of revenue. ORRF kept 22.8% of revenue as net income.
ORRF profit margins
ORRF growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +24.6% | +38.1% | +22.8% | +20.0% |
| Gross profit | +43.8% | +27.3% | +18.8% | +16.7% |
| Operating income | +269.4% | +56.9% | +25.9% | +26.9% |
| Net income | +266.7% | +54.2% | +25.0% | +26.2% |
| EPS (diluted) | +16.0% | +9.5% | +12.3% | +16.1% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
ORRF quarterly EPS vs estimates
Orrstown Financial Services beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 20, 2026 (estimate $1.10).
ORRF income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $353.9M | $284.1M | $174.3M | $134.3M | $121.6M | $126.9M | $120.5M | $85.9M | $70.6M | $61.0M |
| Cost of revenue | $103.9M | $110.2M | $46.7M | $13.2M | $7.8M | $21.3M | $24.6M | $14.3M | $8.6M | $5.7M |
| Gross profit | $250.0M | $173.9M | $127.6M | $121.1M | $113.8M | $105.5M | $95.9M | $71.6M | $62.0M | $55.3M |
| Research & development | — | — | — | — | — | — | — | — | $0 | $0 |
| Sales, general & admin | $90.5M | $82.6M | $56.0M | $52.3M | $47.9M | $46.6M | $42.8M | $35.8M | $33.3M | $31.6M |
| Total operating expenses | $147.3M | $146.1M | $82.6M | $94.5M | $72.9M | $73.0M | $76.3M | $57.1M | $49.6M | $47.4M |
| Operating income | $102.7M | $27.8M | $45.0M | $26.6M | $40.9M | $32.5M | $19.6M | $14.4M | $12.4M | $7.9M |
| Interest income | $303.7M | $248.9M | $142.0M | $108.7M | $93.7M | $99.6M | $93.0M | $64.8M | $51.0M | $42.0M |
| Interest expense | $103.9M | $93.7M | $45.0M | $9.0M | $6.7M | $16.0M | $23.7M | $13.5M | $7.6M | $5.4M |
| Income before taxes | $102.6M | $27.8M | $45.0M | $26.6M | $40.9M | $32.5M | $19.6M | $14.4M | $12.4M | $7.9M |
| Income taxes | $21.8M | $5.8M | $9.4M | $4.6M | $8.0M | $6.0M | $2.7M | $1.6M | $4.3M | $1.3M |
| Net income | $80.9M | $22.1M | $35.7M | $22.0M | $32.9M | $26.5M | $16.9M | $12.8M | $8.1M | $6.6M |
| EBITDA | $118.0M | $37.5M | $49.4M | $31.2M | $46.2M | $39.1M | $25.2M | $18.1M | $15.7M | $10.8M |
| EPS (diluted) | $4.28 | $3.69 | $3.51 | $3.26 | $2.93 | $2.40 | $1.81 | $1.80 | $1.30 | $0.82 |
| Gross margin | 70.6% | 61.2% | 73.2% | 90.2% | 93.6% | 83.2% | 79.6% | 83.3% | 87.8% | 90.7% |
| Operating margin | 29.0% | 9.8% | 25.8% | 19.8% | 33.6% | 25.6% | 16.3% | 16.8% | 17.6% | 13.0% |
| Net margin | 22.8% | 7.8% | 20.5% | 16.4% | 27.0% | 20.9% | 14.0% | 14.9% | 11.5% | 10.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $88.5M | $89.9M | $90.7M | $89.6M | $87.1M | $86.5M | $90.5M | $94.6M | $50.1M | $48.9M | $46.2M | $44.3M |
| Cost of revenue | $26.2M | $25.7M | $25.7M | $26.5M | $25.4M | $26.2M | $31.2M | $45.0M | $18.0M | $16.1M | $14.4M | $12.6M |
| Gross profit | $62.3M | $64.2M | $64.9M | $63.1M | $61.7M | $60.3M | $59.3M | $49.6M | $32.1M | $32.9M | $31.8M | $31.7M |
| Sales, general & admin | $26.1M | $25.4M | $22.5M | $22.6M | $23.4M | $21.9M | $24.4M | $28.7M | $14.7M | $14.8M | $14.1M | $13.9M |
| Total operating expenses | $37.7M | $36.7M | $37.4M | $35.4M | $37.0M | $37.5M | $42.1M | $59.5M | $22.3M | $22.1M | $22.1M | $20.1M |
| Operating income | $24.7M | $27.5M | $27.6M | $27.7M | $24.7M | $22.8M | $17.1M | −$9.9M | $9.8M | $10.7M | $9.7M | $11.6M |
| Interest income | $74.7M | $74.4M | $76.3M | $77.1M | $74.8M | $75.5M | $80.0M | $83.0M | $43.3M | $42.6M | $40.0M | $38.7M |
| Interest expense | $25.9M | $25.4M | $25.7M | $26.1M | $25.3M | $26.8M | $29.4M | $31.3M | $17.2M | $15.8M | $14.0M | $12.5M |
| Income before taxes | $24.7M | $27.5M | $27.5M | $27.7M | $24.7M | $22.8M | $17.1M | −$9.9M | $9.8M | $10.7M | $9.7M | $11.6M |
| Income taxes | $3.5M | $5.7M | $6.0M | $5.8M | $5.3M | $4.7M | $3.5M | −$2.0M | $2.1M | $2.2M | $2.1M | $2.5M |
| Net income | $21.2M | $21.8M | $21.5M | $21.9M | $19.4M | $18.1M | $13.7M | −$7.9M | $7.7M | $8.5M | $7.6M | $9.0M |
| EBITDA | $28.1M | $31.0M | $31.2M | $31.4M | $28.4M | $27.0M | $21.0M | −$6.2M | $10.9M | $11.8M | $10.8M | $12.6M |
| EPS (diluted) | $1.09 | $1.12 | $1.11 | $1.13 | $1.04 | $1.00 | $0.87 | $1.11 | $0.83 | $0.88 | $0.83 | $0.87 |
| Gross margin | 70.4% | 71.4% | 71.6% | 70.4% | 70.8% | 69.7% | 65.5% | 52.5% | 64.1% | 67.2% | 68.8% | 71.5% |
| Operating margin | 27.9% | 30.6% | 30.4% | 30.9% | 28.4% | 26.3% | 18.9% | −10.5% | 19.6% | 22.0% | 21.0% | 26.1% |
| Net margin | 23.9% | 24.2% | 23.7% | 24.4% | 22.3% | 20.9% | 15.1% | −8.4% | 15.4% | 17.4% | 16.5% | 20.4% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in ORRF's financial statements (latest annual report filed March 12, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
ORRF financial results
In fiscal year 2025 (ended December 31, 2025), Orrstown Financial Services reported revenue of $353.9 million, up 24.6% from the year before. It had net income of $80.9 million (up 266.7%), a net profit margin of 22.8%. Diluted earnings per share came to $4.28. Over five years revenue grew at an average rate of 22.8% a year.
See the ORRF stock overview for the latest quote and news, or the ORRF chart for price history and technical indicators.
ORRF income statement FAQ
What is Orrstown Financial Services's annual revenue?
Orrstown Financial Services reported total revenue of $353.9 million for fiscal year 2025, which ended on December 31, 2025. That was up 24.6% from $284.1 million the previous year.
Is Orrstown Financial Services profitable?
Yes. Orrstown Financial Services reported net income of $80.9 million in fiscal 2025, a net profit margin of 22.8%; its operating margin was 29.0%.
What is Orrstown Financial Services's gross margin?
Orrstown Financial Services's gross margin was 70.6% in fiscal 2025: for every $100 of revenue, Orrstown Financial Services kept $71 after the direct cost of its products and services.
How fast is Orrstown Financial Services growing?
Revenue grew 22.8% a year on average over the last five fiscal years, from $126.9 million to $353.9 million.
What are Orrstown Financial Services's earnings per share?
Orrstown Financial Services earned $4.28 per diluted share in fiscal 2025, compared with $3.69 a year earlier.
When will Orrstown Financial Services report its next earnings?
Orrstown Financial Services is expected to report results for the quarter ending September 30, 2026 on October 20, 2026 after the market closes.
When does Orrstown Financial Services's fiscal year end?
Orrstown Financial Services's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 12, 2026.