Orrstown Financial Services Inc
Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers c… Read more
Orrstown Financial Services Inc (ORRF) - Net Assets
Latest net assets as of December 2025: $591.53 Million USD
Based on the latest financial reports, Orrstown Financial Services Inc (ORRF) has net assets worth $591.53 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.54 Billion) and total liabilities ($4.95 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $591.53 Million |
| % of Total Assets | 10.67% |
| Annual Growth Rate | 13.29% |
| 5-Year Change | 117.75% |
| 10-Year Change | 338.63% |
| Growth Volatility | 22.05 |
Orrstown Financial Services Inc - Net Assets Trend (1994–2025)
This chart illustrates how Orrstown Financial Services Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Orrstown Financial Services Inc (1994–2025)
The table below shows the annual net assets of Orrstown Financial Services Inc from 1994 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $591.53 Million | +14.49% |
| 2024-12-31 | $516.68 Million | +94.93% |
| 2023-12-31 | $265.06 Million | +15.80% |
| 2022-12-31 | $228.90 Million | -15.74% |
| 2021-12-31 | $271.66 Million | +10.32% |
| 2020-12-31 | $246.25 Million | +10.30% |
| 2019-12-31 | $223.25 Million | +28.72% |
| 2018-12-31 | $173.43 Million | +19.80% |
| 2017-12-31 | $144.76 Million | +7.35% |
| 2016-12-31 | $134.86 Million | +1.35% |
| 2015-12-31 | $133.06 Million | +4.55% |
| 2014-12-31 | $127.27 Million | +39.18% |
| 2013-12-31 | $91.44 Million | +4.27% |
| 2012-12-31 | $87.69 Million | -31.59% |
| 2011-12-31 | $128.20 Million | -20.12% |
| 2010-12-31 | $160.48 Million | +44.73% |
| 2009-12-31 | $110.89 Million | +7.29% |
| 2008-12-31 | $103.35 Million | +7.51% |
| 2007-12-31 | $96.12 Million | +7.54% |
| 2006-12-31 | $89.39 Million | +55.97% |
| 2005-12-31 | $57.31 Million | +16.37% |
| 2004-12-31 | $49.25 Million | +14.98% |
| 2003-12-31 | $42.84 Million | +12.84% |
| 2002-12-31 | $37.96 Million | +21.82% |
| 2001-12-31 | $31.16 Million | +16.83% |
| 2000-12-31 | $26.67 Million | +21.98% |
| 1999-12-31 | $21.87 Million | +3.74% |
| 1998-12-31 | $21.08 Million | +15.41% |
| 1997-12-31 | $18.27 Million | +15.19% |
| 1996-12-31 | $15.86 Million | +8.36% |
| 1995-12-31 | $14.63 Million | +18.46% |
| 1994-12-31 | $12.35 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Orrstown Financial Services Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 5860.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $186.75 Million | 31.57% |
| Common Stock | $1.03 Million | 0.17% |
| Other Comprehensive Income | $-15.20 Million | -2.57% |
| Other Components | $418.96 Million | 70.83% |
| Total Equity | $591.53 Million | 100.00% |
Orrstown Financial Services Inc Competitors by Market Cap
The table below lists competitors of Orrstown Financial Services Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Devyani International Limited
NSE:DEVYANI
|
$590.49 Million |
|
CTO Realty Growth Inc
NYSE:CTO
|
$590.56 Million |
|
Shiny Chemical Industrial Co Ltd
TW:1773
|
$590.61 Million |
|
Sichuan Jiuyuan Yinhai Software Co Ltd
SHE:002777
|
$590.69 Million |
|
Jinxin Fertility Group Limited
PINK:JXFGF
|
$590.21 Million |
|
F.C.C. Co. Ltd
F:FCV
|
$590.17 Million |
|
Dios Fastigheter AB
ST:DIOS
|
$590.09 Million |
|
Hebei Huijin Electromechanical Co Ltd
SHE:300368
|
$589.87 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Orrstown Financial Services Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 516,682,000 to 591,535,000, a change of 74,853,000 (14.5%).
- Net income of 80,855,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 11,115,000.
- Other factors decreased equity by 17,117,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $80.86 Million | +13.67% |
| Other Comprehensive Income | $11.12 Million | +1.88% |
| Other Changes | $-17.12 Million | -2.89% |
| Total Change | $- | 14.49% |
Book Value vs Market Value Analysis
This analysis compares Orrstown Financial Services Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.97x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 14.61x to 0.97x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1994-12-31 | $2.35 | $34.39 | x |
| 1995-12-31 | $2.73 | $34.39 | x |
| 1996-12-31 | $2.96 | $34.39 | x |
| 1997-12-31 | $3.41 | $34.39 | x |
| 1998-12-31 | $3.93 | $34.39 | x |
| 1999-12-31 | $4.06 | $34.39 | x |
| 2000-12-31 | $4.92 | $34.39 | x |
| 2001-12-31 | $5.61 | $34.39 | x |
| 2002-12-31 | $6.71 | $34.39 | x |
| 2003-12-31 | $7.45 | $34.39 | x |
| 2004-12-31 | $8.44 | $34.39 | x |
| 2005-12-31 | $9.68 | $34.39 | x |
| 2006-12-31 | $13.76 | $34.39 | x |
| 2007-12-31 | $14.24 | $34.39 | x |
| 2008-12-31 | $15.30 | $34.39 | x |
| 2009-12-31 | $17.17 | $34.39 | x |
| 2010-12-31 | $21.00 | $34.39 | x |
| 2011-12-31 | $15.97 | $34.39 | x |
| 2012-12-31 | $10.85 | $34.39 | x |
| 2013-12-31 | $11.30 | $34.39 | x |
| 2014-12-31 | $15.68 | $34.39 | x |
| 2015-12-31 | $16.34 | $34.39 | x |
| 2016-12-31 | $16.56 | $34.39 | x |
| 2017-12-31 | $17.60 | $34.39 | x |
| 2018-12-31 | $20.32 | $34.39 | x |
| 2019-12-31 | $21.23 | $34.39 | x |
| 2020-12-31 | $22.32 | $34.39 | x |
| 2021-12-31 | $24.46 | $34.39 | x |
| 2022-12-31 | $21.38 | $34.39 | x |
| 2023-12-31 | $25.40 | $34.39 | x |
| 2024-12-31 | $34.64 | $34.39 | x |
| 2025-12-31 | $35.30 | $34.39 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Orrstown Financial Services Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.67%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 22.85%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 9.37x
- Recent ROE (13.67%) is above the historical average (9.55%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1994 | 13.24% | 39.19% | 0.03x | 9.96x | $399.70K |
| 1995 | 13.35% | 34.00% | 0.04x | 9.98x | $490.70K |
| 1996 | 14.18% | 33.96% | 0.04x | 9.94x | $662.40K |
| 1997 | 14.27% | 34.34% | 0.04x | 10.42x | $779.50K |
| 1998 | 14.80% | 31.60% | 0.04x | 11.19x | $1.01 Million |
| 1999 | 17.17% | 17.14% | 0.08x | 12.12x | $1.57 Million |
| 2000 | 15.64% | 16.36% | 0.08x | 11.69x | $1.50 Million |
| 2001 | 16.34% | 17.89% | 0.08x | 11.99x | $1.98 Million |
| 2002 | 15.58% | 20.73% | 0.07x | 10.81x | $2.12 Million |
| 2003 | 16.30% | 23.33% | 0.06x | 11.03x | $2.70 Million |
| 2004 | 15.78% | 23.65% | 0.06x | 10.45x | $2.85 Million |
| 2005 | 17.43% | 24.08% | 0.07x | 10.49x | $4.26 Million |
| 2006 | 13.01% | 20.82% | 0.07x | 9.05x | $2.69 Million |
| 2007 | 13.06% | 18.91% | 0.08x | 9.21x | $2.95 Million |
| 2008 | 12.68% | 19.35% | 0.06x | 10.18x | $2.77 Million |
| 2009 | 12.06% | 18.90% | 0.06x | 10.79x | $2.28 Million |
| 2010 | 10.33% | 20.37% | 0.05x | 9.42x | $532.60K |
| 2011 | -24.93% | -37.13% | 0.06x | 11.26x | $-44.78 Million |
| 2012 | -43.85% | -56.79% | 0.05x | 14.06x | $-47.22 Million |
| 2013 | 10.94% | 18.58% | 0.05x | 12.88x | $860.10K |
| 2014 | 22.90% | 51.88% | 0.05x | 9.35x | $16.42 Million |
| 2015 | 5.92% | 13.81% | 0.04x | 9.72x | $-5.43 Million |
| 2016 | 4.91% | 10.87% | 0.04x | 10.49x | $-6.86 Million |
| 2017 | 5.59% | 11.45% | 0.05x | 10.77x | $-6.39 Million |
| 2018 | 7.38% | 14.91% | 0.04x | 11.15x | $-4.54 Million |
| 2019 | 7.58% | 14.04% | 0.05x | 10.68x | $-5.40 Million |
| 2020 | 10.75% | 20.86% | 0.05x | 11.17x | $1.84 Million |
| 2021 | 12.10% | 27.03% | 0.04x | 10.43x | $5.72 Million |
| 2022 | 9.63% | 16.41% | 0.05x | 12.77x | $-852.60K |
| 2023 | 13.45% | 20.46% | 0.06x | 11.56x | $9.16 Million |
| 2024 | 4.27% | 7.76% | 0.05x | 10.53x | $-29.62 Million |
| 2025 | 13.67% | 22.85% | 0.06x | 9.37x | $21.70 Million |
Industry Comparison
This section compares Orrstown Financial Services Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Orrstown Financial Services Inc (ORRF) | $591.53 Million | 13.24% | 8.37x | $590.37 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |