Orrstown Financial Services, Inc.: Business Overview, Financials & Competitive Analysis
Orrstown Financial Services, Inc. scores 8/10 on the AskCyborg Cyborg Score (Strong). Regional bank with record earnings momentum, growing fee-based revenues, and a strong capital base well-positioned for continued growth in its mid-Atlantic markets. Net income reached $80.9 million for full-year 2025, the highest reported annual net income in company history, with $4.18 diluted EPS. Tangible book value per share.
What is Orrstown Financial Services, Inc.'s industry? Orrstown Financial Services, Inc. (orrstown.com) operates in Regional Community Banking. AskCyborg classifies Orrstown Financial Services, Inc. under Regional Community Banking in its company registry.
Orrstown Financial Services operates as the financial holding company for Orrstown Bank, providing commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the Un...
Cyborg Score thesis
Regional bank with record earnings momentum, growing fee-based revenues, and a strong capital base well-positioned for continued...
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Get Current Report FreeOrrstown Financial Services, Inc. Overview
Pro stress-test →Orrstown Financial Services operates as the financial holding company for Orrstown Bank, providing commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. With $5.5 billion in assets, the company serves multiple counties across Pennsylvania and Maryland. The bank achieved record earnings in 2025, demonstrating strong operational momentum in a competitive regional banking environment.
Strategic Profile
Pro stress-test →In 2025, Orrstown achieved the highest reported annual net income in the Company's history, with margin performance and continued growth in noninterest income driving strong earnings. Fee-based revenue has become a meaningful contributor to earnings, with annual fee income reaching $52.3 million (21% of operating income) and noninterest income rising to $14.4 million in Q4, accounting for roughly 22% of operating revenue. The company is strategically diversifying away from traditional lending to reduce rate sensitivity while expanding wealth management and advisory capabilities.
Competitive Landscape
Pro stress-test →Orrstown operates in the competitive mid-Atlantic regional banking sector against larger regional and community banks. The company differentiates through geographic footprint coverage in Pennsylvania and Maryland, growing wealth management services, and disciplined risk management. Similar-sized regional competitors include S&T Bancorp, Mid Penn Bancorp, and other community-focused institutions in the region.
Industry Context
Orrstown Financial Services, Inc. operates in Regional Community Banking.
Key facts
Founded: N/A · Headquarters: Harrisburg, Pennsylvania · Employees: N/A · Revenue: $64.92M (Q4 2025) · Market cap: $712M