ORRFORRSTOWN FINANCIAL SERVICES INC
State Commercial Banks
- Revenue
- $37M
- 36% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$105M net debt
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear92% of net incomeCash flow under 80% of net income
- Dilutive SBCFired13% of revenueOver 10% of revenue
- Payouts exceed cash flowClear28% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $19M | $19M | $19M | $27M | $37M | 36% |
| Net income | $33M | $22M | $36M | $22M | $81M | 267% |
| Operating cash flow | $41M | $36M | $44M | $35M | $75M | 114% |
| Capex | $1M | $895K | $2M | $2M | $4M | 168% |
| Stock-based comp | $2M | $2M | $2M | $9M | $5M | 43% |
| Buybacks | $2M | $14M | $3M | $0 | $263K | |
| Dividends | $8M | $8M | $8M | $13M | $21M | 57% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.