Orrstown Financial Services, Inc.

ORRFNASDAQFinancial Services● Active

$38.85

+$1.01(+2.67%)

Market Cap$763336678

P/E Ratio—

52W High$40.72

52W Low$29.39

Avg Volume148K

Open$38.03

Beta0.70

Overview

Orrstown Financial Services, Inc. (ORRF) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

ORRF · free cash flow · updated Jun 9, 2026

Core FCF metrics

ORRF · FCF · TTM · margin & CAGR

Free cash flow was $70.5M for FY2025 (fiscal year ending 2025-12-31), up 111.2% year-over-year The FCF margin was 19.9%. Five-year CAGR stands at +19.6%.

FY2025 Free Cash Flow$70.5M▲ +111.2% YoY

Trailing 12M (TTM)$87.0Mtrailing 4 quarters sum

FCF Margin19.9%$70.5M ÷ revenue

3-Year CAGR+25.9%FY2022 → FY2025

5-Year CAGR+19.6%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

ORRF · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$74.7M(4M)$70.5M▲ +111.2%19.9%

FY2024$35.0M(2M)$33.4M▼ 19.4%11.8%

FY2023$43.7M(2M)$41.4M▲ +17.3%23.8%

FY2022$36.2M(1M)$35.3M▼ 10.8%26.3%

FY2021$40.8M(1M)$39.6M▲ +37.0%32.5%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

ORRF · P/FCF · FCF yield · FCF per share

Orrstown Financial Services, Inc. (ORRF) trades at a FCF yield of 11.70% and a price-to-free-cash-flow ratio of 7.4x. FCF per share stands at $5.23, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

11.70%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$5.23

TTM FCF ÷ Shares Outstanding

Price / FCF

x7.4

Share Price ÷ FCF per Share

EV / FCF (TTM)

x11.0

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

ORRF · cash flow statement · operating / investing / financing

For FY2025, Orrstown Financial Services, Inc. generated $74.7M in operating cash flow and spent 4M in capital expenditures, yielding $70.5M in free cash flow.

Operating Activities

+$74.7M

Cash from core business operations

2025-12-31

Investing Activities

−$182.0M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$8.1M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($74.7M) − |CapEx| (4M) = FCF ($70.5M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

ORRF vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Orrstown Financial Services, Inc.YOU

ORRF

$70.5M+111.2%19.9%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Orrstown Financial Services, Inc. (ORRF) reported free cash flow of $70.5M for FY2025 (fiscal year ending 2025-12-31), up 111.2% year-over-year. The FCF margin was 19.9%.

Based on available data, Orrstown Financial Services, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $70.5M in FY2025. The 5-year CAGR stands at +19.6%.

Orrstown Financial Services, Inc.'s FCF yield is 11.70% and price-to-FCF ratio is 7.4x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

ORRF free cash flow · 8 questions

Orrstown Financial Services, Inc. free cash flow was $70.5M for FY2025, up 111.2% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $87.0M.

ORRF free cash flowORRF FCFORRF FCF 2025ORRF free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Orrstown Financial Services, Inc. · Orrstown Financial Services, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026