Orrstown Financial Services, Inc. (ORRF) Earnings History
Growth Compounder32 years of earnings data (1994–2025) · Consistent double-digit EPS growth over 5 years
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Orrstown Financial Services, Inc. (ORRF) Earnings Overview
As of July 8, 2026, Orrstown Financial Services, Inc. (ORRF) reported trailing twelve-month net income of $85M, reflecting +182.4% year-over-year growth. The company earned $4.36 per diluted share over the past four quarters, with a net profit margin of 22.8%.
Looking at the long-term picture, ORRF's 5-year EPS compound annual growth rate (CAGR) stands at +11.7%, showing solid earnings momentum. The company achieved its highest annual net income of $81M in fiscal 2025, representing a new all-time high.
Orrstown Financial Services, Inc. maintains industry-leading profitability with a gross margin of 70.6%, operating margin of 29.0%, and net margin of 22.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), FXNC ($21M net income, 15.8% margin), MNSB ($17M net income, 11.5% margin), ORRF has outperformed on profitability metrics. Compare ORRF vs CZWI →
ORRF Earnings vs Peers
Earnings metrics vs comparable public companies
ORRF Historical Earnings Data (1994–2025)
32 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $81M | +266.7% | $103M | $4.18 | 22.8% | 29.0% |
| 2024 | $22M | -38.2% | $28M | $1.48 | 7.8% | 9.8% |
| 2023 | $36M | +61.8% | $45M | $3.42 | 20.5% | 25.8% |
| 2022 | $22M | -33.0% | $27M | $2.06 | 16.4% | 19.8% |
| 2021 | $33M | +24.3% | $41M | $2.96 | 27.0% | 33.6% |
| 2020 | $26M | +56.4% | $33M | $2.40 | 20.9% | 25.6% |
| 2019 | $17M | +32.2% | $20M | $1.61 | 14.0% | 16.3% |
| 2018 | $13M | +58.3% | $14M | $1.50 | 14.9% | 16.8% |
| 2017 | $8M | +22.1% | $12M | $0.98 | 11.5% | 17.6% |
| 2016 | $7M | -15.8% | $8M | $0.81 | 10.9% | 13.0% |
| 2015 | $8M | -73.0% | $10M | $0.97 | 13.8% | 16.7% |
| 2014 | $29M | +191.3% | $13M | $3.59 | 51.9% | 23.2% |
| 2013 | $10M | +126.0% | $10M | $1.24 | 18.6% | 18.2% |
| 2012 | -$38M | -20.3% | -$30M | $-4.77 | -56.8% | -45.0% |
| 2011 | -$32M | -292.8% | -$43M | $-3.98 | -37.1% | -49.8% |
| 2010 | $17M | +24.0% | $23M | $2.17 | 20.4% | 28.3% |
| 2009 | $13M | +2.1% | $17M | $2.07 | 18.9% | 24.6% |
| 2008 | $13M | +4.3% | $19M | $1.94 | 19.3% | 27.4% |
| 2007 | $13M | +8.0% | $18M | $1.86 | 18.9% | 26.7% |
| 2006 | $12M | +16.5% | $16M | $1.79 | 20.8% | 29.5% |
| 2005 | $10M | +28.5% | $14M | $1.69 | 24.1% | 34.7% |
| 2004 | $8M | +11.3% | $11M | $1.33 | 23.6% | 33.3% |
| 2003 | $7M | +18.0% | $10M | $1.22 | 23.3% | 32.3% |
| 2002 | $6M | +16.2% | $8M | $1.05 | 20.7% | 28.5% |
| 2001 | $5M | +22.1% | $7M | $0.92 | 17.9% | 24.7% |
| 2000 | $4M | +11.1% | $6M | $0.77 | 16.4% | 22.4% |
| 1999 | $4M | +20.4% | $5M | $0.70 | 17.1% | 23.1% |
| 1998 | $3M | +19.7% | $4M | $0.58 | 31.6% | 43.6% |
| 1997 | $3M | +15.9% | $4M | $0.49 | 34.3% | 47.2% |
| 1996 | $2M | +15.0% | $3M | $0.42 | 34.0% | 46.6% |
| 1995 | $2M | +19.5% | $3M | $0.36 | 34.0% | 46.9% |
| 1994 | $2M | - | $2M | $0.31 | 39.2% | 51.7% |
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ORRF — Frequently Asked Questions
Quick answers to the most common questions about buying ORRF stock.
What is ORRF earnings per share (EPS)?
ORRF trailing twelve-month (TTM) diluted EPS is $4.36, reflecting +182.4% year-over-year growth. The 5-year EPS CAGR is +11.7%. Complete EPS history from 1994 to 2025 is available in the table on this page.
What is Orrstown Financial Services, Inc.'s net income?
Orrstown Financial Services, Inc. (ORRF) trailing twelve-month net income is $85M as of 2025. Earnings grew +182.4% year-over-year. Orrstown Financial Services, Inc. has been profitable for 13 consecutive years.
Is ORRF profitable?
Yes, ORRF is profitable with a TTM net income of $85M and a net profit margin of +22.8%. Orrstown Financial Services, Inc. has generated profits for 13 consecutive years.
What is ORRF's earnings growth rate?
ORRF compound annual EPS growth rates (CAGR): 1-Year: +182.4%, 3-Year: +26.6%, 5-Year: +11.7%, 10-Year: +15.7%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1994 to 2025.
What are ORRF's profit margins?
Orrstown Financial Services, Inc. net profit margin is +22.8%, operating margin is +29.0%, and gross margin is +70.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +14.6%.
Is ORRF growing earnings?
Yes, ORRF earnings are accelerating — EPS growth of +182.4% exceeds the 5-year CAGR of +11.7%. TTM net income reached $85M. Earnings momentum is strengthening.
What was ORRF's best earnings year?
Orrstown Financial Services, Inc.'s highest annual net income on record is $81M, achieved in fiscal year 2025. Earnings history on this page spans 1994 to 2025 and includes all annual and quarterly figures.
What were ORRF's earnings last quarter?
ORRF's most recent reported quarter was Q1 2026. Net income was $22M with diluted EPS of $1.12. For a full breakdown of all quarters, see the quarterly earnings table on this page.