OakChart

Orrstown Financial Services Inc

ORRFFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 10:38 AM ET

43.66-0.66 (-1.49%)
2026-11-11 16:39 CET
Market cap
871.80 USD m
Revenue, TTM
- USD m
Net income, TTM
87.27 USD m
Free cash flow, TTM
59.46 USD m
EPS diluted, TTM
4.49
P/E
9.72
Compare

Price

ORRF against its 20, 50 and 200-day averages
2050200beat
35.0040.0045.00283K565KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26ORRFclose 43.6620-day 43.7350-day 42.51200-day 39.5443.6652w high

6.7% under the 52-week high of 46.81 on 5 Nov 2026. 52-week low 33.33 on 19 Nov 2025. Last 15 sessions, 10.5% high to low

Profile

ORRF
52-week range, 77% of the way up
33.3346.81

Orrstown Financial Services, Inc. is a holding company, which engages in the provision of consumer and business financial services. It also offers commercial banking and trust business services which involves accepting demand, time and savings deposits, and granting loans. The company was founded on November 17, 1987 and is headquartered in Harrisburg, PA.

IndexRUT
Employees627
IPOAug 25, 1998
Beta0.68
ATR, 14d1.26
Rel volume0.59
Short float2.16%
Insider own4.94%
Inst own59.49%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap858.82M
Enterprise Value-
Income87.27M
Sales360.28M
Book/sh30.77
Cash/sh-
Dividend Est.1.20 (2.75%)
Dividend TTM1.20 (2.75%)
Dividend Ex-DateNov 03, 2026
Dividend Gr. 3/5Y11.73% 9.28%
Payout25.37%
Employees627
IPOAug 25, 1998

Ratios

P/E9.72
Forward P/E9.47
PEG2.53
P/S2.38
P/B1.42
P/C-
P/FCF14.44
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.07
Debt/Eq0.73
LT Debt/Eq0.72
Option/ShortYes / Yes

Earnings

EPS (ttm)4.49
EPS next Y4.61
EPS next Q1.15
EPS this Y3.97%
EPS next Y3.60%
EPS next 5Y3.74%
EPS past 3/5Y26.61% 11.74%
Sales past 3/5Y37.82% 22.75%
EPS Y/Y TTM18.66%
Sales Y/Y TTM1.02%
EPS Q/Q3.60%
Sales Q/Q0.72%
EarningsOct 20 AMC
EPS/Sales Surpr.6.56% 0.75%

Ownership

Insider Own4.94%
Insider Trans-0.57%
Inst Own59.49%
Inst Trans-2.38%
ROA1.56%
ROE14.83%
ROIC8.36%
Gross Margin-
Oper. Margin29.97%
Profit Margin24.22%
SMA20-0.16%
SMA502.70%
SMA20010.42%
Trades-

Technical

Shs Outstand19.67M
Shs Float18.70M
Short Float2.16%
Short Ratio4.31
Short Interest0.40M
52W High46.81 -6.73%
52W Low33.33 30.99%
Volatility3.47% 2.92%
ATR (14)1.26
RSI (14)51.64
Beta0.68
Rel Volume0.59
Avg Volume93.89K
Volume11,875

Performance

Perf Week-3.56%
Perf Month6.02%
Perf Quarter0.41%
Perf Half Y22.64%
Perf YTD23.26%
Perf Year27.40%
Perf 3Y99.36%
Perf 5Y74.64%
Perf 10Y124.47%
Recom1.80
Target Price47.50
Prev Close44.32
Price43.66
Change %-1.49%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Jul 27, 2026ReiteratedHHovde GroupOutperform$42 → $46+5.4%
Jul 09, 2026InitiatedRRaymond JamesMkt Perform
May 15, 2026InitiatedDDA DavidsonNeutral$41-6.1%
Feb 02, 2026ReiteratedHHovde GroupOutperform$40 → $42-3.8%
May 14, 2025ReiteratedHHovde GroupOutperform$35 → $37-15.3%
Apr 30, 2025UpgradeHHovde GroupMarket Perform → Outperform$35-19.8%
Apr 10, 2025InitiatedRRaymond JamesOutperform$35-19.8%
Jan 08, 2025ResumedPPiper SandlerOverweight$43-1.5%
Nov 13, 2024DowngradeHHovde GroupOutperform → Market Perform
Oct 23, 2024ReiteratedHHovde GroupOutperform$37 → $42-3.8%

Peers

Mkt cap
TickerCompanyMkt cap
MPBMid Penn Bancorp Inc873.83M
ACNBACNB Corp677.04M
CCNECNB Financial Corp (PA)1.06B
FRAFFranklin Financial Services Corp314.50M
UVSPUnivest Financial Corp1.11B
CZNCCitizens & Northern Corp497.77M
PFISPeoples Financial Services Corp724.95M
STBAS & T Bancorp Inc1.80B
SHBIShore Bancshares Inc754.56M
FUNCFirst United Corp296.18M

Insider trading

14 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Rice Michael JohnDirectorAug 06 '26Sale43.162,530109,19522,022Aug 07 04:01 PM
Michael J. RiceDirectorAug 06 '26Proposed Sale43.312,530109,574Aug 06 08:00 AM
DOLL AMYEVP, Chief Admin. OfficerJul 24 '26Option Exercise24.293,00272,90528,671Jul 28 06:26 PM
DOLL AMYEVP, Chief Admin. OfficerJul 27 '26Sale41.613,002124,91325,669Jul 28 06:26 PM
Amy DollaffiliateJul 27 '26Proposed Sale41.613,002124,908Jul 27 12:15 PM
Brunner Brian DDirectorMar 18 '26Buy34.021,00034,01750,529Mar 19 04:17 PM
Holt Christopher DEVP, Market PresidentMar 11 '26Sale34.297,820268,14812,616Mar 12 04:21 PM
Christopher D. HoldaffiliateMar 11 '26Proposed Sale34.297,820268,173Mar 11 03:03 PM
Quinn Thomas R JrPresident & CEOFeb 19 '26Sale37.4310,373388,26187,202Feb 19 04:07 PM
Quinn Thomas R JrPresident & CEOFeb 18 '26Sale37.70281,05597,575Feb 19 04:07 PM
Thomas R. Quinn JraffiliateFeb 18 '26Proposed Sale37.8510,401393,678Feb 18 02:56 PM
Messick John RodneyDirectorFeb 05 '26Sale38.622,50096,5507,167Feb 09 04:02 PM
Messick John RodneyDirectorFeb 05 '26Proposed Sale37.802,50094,500Feb 04 05:09 PM
BROWN SARAH MDirectorFeb 02 '26Buy36.2140614,7019,866Feb 04 11:20 AM

Held by

AUM
TickerCompanyAUM
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
SCHDSchwab US Dividend Equity ETFAUM: 122.69B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
DFASU.S. Small Cap Portfolio-ETF Class Shares-

News

latest 14 of 204
  • Orrstown Financial Services, Inc. Announces Execution of Strategic Repositioning (GlobeNewswire)
  • Orrstown Financial Services Named to the Fortune 100 Fastest-Growing Companies List (GlobeNewswire)
  • Orrstown Beats On Margin Expansion And Sets A Higher 2027 NIM Target, But Rising Rates Are Also Straining Funding And Tangible Book (Earnings Whispers)
  • Orrstown: Q3 Earnings Snapshot (Associated Press)
  • Orrstown Financial Services, Inc. Reports Third Quarter 2026 Results (GlobeNewswire)
  • Loading…
  • Orrstown Financial Services, Inc. Announces Date of Third Quarter 2026 Earnings Release, Conference Call and Webcast (GlobeNewswire)
  • Orrstown Bank Launches Redesigned Website to Enhance Client Experience and Strengthen Community Connections (GlobeNewswire)
  • Orrstown Financial Services Inc (ORRF) Q2 2026 Earnings Call Highlights: Record Wealth ... (GuruFocus.com)
  • Orrstown: Q2 Earnings Snapshot (Associated Press)
  • Orrstown Financial Services, Inc. Reports Second Quarter 2026 Results (GlobeNewswire)
  • Orrstown Financial Services, Inc. Announces Date of Second Quarter 2026 Earnings Release, Conference Call and Webcast (GlobeNewswire)
  • Adam L. Metz Named President and Chief Executive Officer at Orrstown Bank (GlobeNewswire)
  • Orrstown Financial Services Inc (ORRF) Q1 2026 Earnings Call Highlights: Strong Net Income and ... (GuruFocus.com)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-201.1701.0981.17066.7066.205
2026Q22026-07-211.0901.0271.08962.6764.105
2026Q12026-04-211.1201.0071.12464.5862.803
2025Q42026-01-271.1101.0621.10964.9263.955
2025Q32025-10-211.1301.0501.12964.3763.035
2025Q22025-07-221.0400.9781.00662.4361.005
2025Q12025-04-221.0000.9260.93460.3960.055
2024Q42025-01-310.8701.0280.70961.8263.334
2024Q32024-10-221.1100.923-0.41464.0860.653
2024Q22024-07-230.8300.7330.73333.2832.353
2024Q12024-04-230.8800.7300.81433.5132.053
2023Q42024-01-230.8300.8030.73432.5132.473
2023Q32023-10-240.8700.8070.86832.1432.463
2023Q22023-07-250.9400.7870.94433.5332.153
2023Q12023-04-250.8700.8230.87232.3732.953
2022Q42023-01-240.9100.8130.91233.7132.633

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.3001.1700.98463.7664.73
2018FY1.8101.8201.50073.2273.27
2019FY1.8941.9151.61097.8492.97
2020FY2.2052.0502.398111.92108.89
2021FY2.9112.9752.961116.13114.54
2022FY3.2503.1532.058126.58126.53
2023FY3.5103.4333.418130.56130.4
2024FY3.7603.8401.479192.69189.87
2025FY4.2804.2384.180252.11251.23
2026FY-4.450--262.5
2027FY-4.610--278.53
2028FY-4.778--288.88

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-0944068.3568.0068.80
2026Q4S2026-10-2344068.1367.7068.50
2026Q4S2026-10-2143067.8867.0068.50
2026Q4S2026-10-2040066.7566.3067.00
2026Q4S2026-10-0740066.7566.3067.00
2026Q4S2026-10-0541166.7566.3067.00
2026Q4S2026-09-0542166.7566.3067.00
2026Q4S2026-08-3143166.7566.3067.00
2026Q4S2026-07-2443166.7066.1067.00
2026Q4S2026-07-2242066.6866.0067.00
2026Q4S2026-07-0840066.2365.5067.00
2026Q4S2026-06-2230066.3065.5067.00
2026Q4S2026-05-1330066.2465.5067.00
2026Q4S2026-05-0830066.2365.5067.00

Estimate history

EPS, annual0.9841.51.612.3982.9612.0583.4181.4794.1784.4909
Period201720182019202020212022202320242025TTM
EPS, quarterly-0.4140.7090.9341.0061.1291.1091.1241.0891.17
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual71.67987.022121.59127.872122.812136.11176.011286.496356.294360.28
Period201720182019202020212022202320242025TTM
Sales, quarterly95.3491.28387.07587.81690.46390.72989.89488.54191.114
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual8.3479.4311.211.20111.18310.67110.61219.3919.50719.671
Period201720182019202020212022202320242025MRQ
Shares, quarterly19.37319.3919.5119.53619.50119.50719.61119.6719.671
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income303.06303.73248.93149.90108.6593.6999.6392.9965.67
Total Interest Expense101.38103.9493.6844.999.026.7216.0223.7013.51
Net Interest Income201.69199.79155.25104.9199.6386.9783.6169.3052.16
Loan Loss Provision1.810.0316.551.684.161.095.330.900.80
Net Interest Income After Loan Loss Provision199.88199.77138.71103.2295.4785.8878.2868.3951.36
Non-Interest Income57.2252.5637.5626.1127.4629.1228.2428.6021.36
Non-Interest Expense149.12146.77124.8682.9279.8873.8372.8967.1454.33
Operating Income107.98105.5651.4146.4143.0541.1733.6329.8518.39
Unusual Expense0.002.7123.451.0616.160.000.8210.163.61
Net Income Before Taxes107.98102.6427.8145.0326.6240.9032.5119.6314.45
Income Taxes20.7121.785.769.374.588.016.052.711.64
Consolidated Net Income87.2780.8622.0535.6622.0432.8826.4616.9212.80
Net Income From Continuing Operations87.2780.8622.0535.6622.0432.8826.4616.9212.80
Net Income87.2780.8622.0535.6622.0432.8826.4616.9212.80
EPS (Recurring)4.474.282.583.493.112.962.452.291.80
EPS (Basic, Before Extraordinaries)4.524.211.493.452.093.002.421.631.53
EPS (Diluted)4.494.181.483.422.062.962.401.611.50
Non-Operating Income (Expense)0.00-0.21-0.16-0.32-0.27-0.27-0.30-0.06-0.33
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense5.493.966.891.861.701.421.53-0.050.79
Price To Earnings Ratio9.879.8721.629.0414.819.387.6115.6713.10
Price To Sales Ratio2.201.921.911.751.822.281.431.961.79
Operating Margin29.9729.6317.9526.3731.6333.5226.3024.5521.13
Net Margin24.2222.697.7020.2616.1926.7720.6913.9214.71
Shares Outstanding19.6719.5119.3910.6110.6711.1811.2011.209.43
Market Capitalization871.80871.80782.47345.15272.64311.35204.42279.06189.38

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income77.7474.7074.3676.2677.1274.8375.5280.02
Total Interest Expense24.4225.8725.3625.7326.1325.3226.7629.44
Net Interest Income53.3248.8349.0150.5350.9949.5148.7650.57
Loan Loss Provision1.040.340.350.070.400.11-0.551.75
Net Interest Income After Loan Loss Provision52.2848.4948.6550.4650.5949.4049.3148.82
Non-Interest Income13.3813.8415.5314.4713.3412.9811.5611.27
Non-Interest Expense37.3337.6736.6837.4336.2636.7136.3739.02
Operating Income28.3224.6627.5027.4927.6825.6724.5021.06
Unusual Expense0.000.000.000.000.000.971.743.93
Net Income Before Taxes28.3224.6627.5027.4927.6824.7022.7617.14
Income Taxes5.513.505.696.005.815.264.713.45
Consolidated Net Income22.8221.1621.8121.4921.8619.4518.0513.68
Net Income From Continuing Operations22.8221.1621.8121.4921.8619.4518.0513.68
Net Income22.8221.1621.8121.4921.8619.4518.0513.68
EPS (Recurring)1.171.091.121.111.131.041.000.85
EPS (Basic, Before Extraordinaries)1.181.101.131.121.141.010.940.72
EPS (Diluted)1.171.091.121.111.131.010.930.71
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.881.401.221.990.041.021.070.97
Price To Earnings Ratio9.879.358.649.3816.7717.8817.9621.62
Price To Sales Ratio2.202.211.951.931.841.701.792.47
Operating Margin31.0827.8530.5930.3030.5929.2328.1423.07
Net Margin25.0423.9024.2623.6924.1722.1520.7314.99
Shares Outstanding19.6719.6719.6119.5119.5019.5419.5119.39
Market Capitalization871.80802.22707.88690.65730.19684.60641.41782.47

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks42.0851.0332.5928.4821.2226.2025.9726.1621.73
Investments1,107.911,066.74575.15578.96678.14590.30547.83544.28439.47
Net Loans3,973.013,882.532,269.612,126.051,958.811,959.541,629.671,233.64997.22
Investment in Unconsolidated Affiliates10.9010.002.601.391.682.002.302.304.42
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.000.140.000.000.000.000.200.130.96
Net Property, Plant & Equipment64.8863.6640.2238.6044.5643.8448.0138.2034.81
Interest Receivables21.4721.0613.6311.038.238.936.045.935.05
Deferred Tax Assets50.3963.7027.1128.1317.5618.2215.0010.808.40
Other Intangible Assets288.06303.80108.43113.87110.28106.84111.2875.1748.95
Total Assets5,558.715,462.643,069.332,926.512,840.472,755.862,386.291,936.611,561.00
Total Deposits4,528.774,623.102,558.812,476.252,464.932,356.881,875.521,558.761,219.52
Total Debt351.09224.18190.99165.3968.28118.56249.78179.38177.39
Long Term Debt110.44106.7357.3641.7343.3741.7354.16115.3183.81
Provision for Risks Charges2.400.000.000.000.000.000.000.007.05
Deferred Tax Liabilities16.4621.055.094.105.915.293.022.222.15
Other Liabilities68.4677.6349.3851.8729.7028.8934.7222.8210.13
Total Liabilities4,967.184,945.952,804.282,697.612,568.822,509.612,163.051,763.171,416.24
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity591.53516.68265.06228.90271.66246.25223.25173.43144.76
Total Shareholders Equity591.53516.68265.06228.90271.66246.25223.25173.43144.76
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity591.53516.68265.06228.90271.66246.25223.25173.43144.76
Total Liabilities & Stockholders Equity5,558.715,462.643,069.332,926.512,840.472,755.862,386.291,936.611,561.00
Book Value Per Share30.3226.6524.9821.4524.2921.9819.9318.3917.34
Tangible Book Value Per Share24.8020.6722.9819.4122.2419.8317.5116.6417.21
Tier 1 Capital514.57445.15272.68245.75243.07217.58196.45160.12138.77
Tier 2 Capital72.7898.0254.2058.8454.7553.6047.5546.8713.61
Full-Time Employees627630425419429418460386338
Price to Book Ratio1.441.511.421.261.140.831.251.091.61
Return on Assets1.470.521.190.761.181.030.780.730.52
Return on Equity14.595.6414.448.8112.7011.278.538.055.59
Return on Invested Capital11.523.5411.068.1410.449.196.104.433.54
Current Ratio0.060.120.050.040.150.060.040.080.03

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations81.5578.9039.1247.2728.7241.0025.4511.0815.71
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-19.85-4.17-4.16-3.408.88-0.194.73-1.992.35
Cash from Operating Activities61.7074.7334.9643.8737.6040.8130.179.0918.07
Capital Expenditures-3.06-4.24-6.58-2.29-0.90-1.25-4.94-6.19-5.69
Net Assets From Acquisitions0.000.000.00-17.640.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.0245.280.040.000.000.0029.4412.41
Purchase or Sale of Investments-66.78-102.552.9812.93-100.09-5.8533.6443.98-49.86
Purchase of Investments-212.53-273.82-235.74-46.60-181.53-195.05-26.69-190.53-226.01
Sale Or Maturity of Investments145.75171.27238.7259.5381.44189.2060.34234.51176.15
Other Uses0.00-0.01-0.37-0.140.000.000.000.000.00
Other Sources4.920.860.000.340.140.000.610.570.58
Cash from Investing Activities-289.80-181.9660.99-153.41-272.40-2.01-292.3518.96-139.40
Cash Dividends Paid-22.91-20.64-13.18-8.48-8.26-8.28-7.61-6.15-4.38
Change in Capital Stock-2.00-2.12-2.13-2.83-14.32-2.25-1.77-1.66-0.49
Repurchase of Common Pref Stock-2.17-2.27-2.39-2.96-14.46-2.38-1.89-1.77-0.65
Sale of Common Pref Stock0.170.150.270.140.130.140.120.110.16
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net144.60125.58-14.3723.8998.19-52.31-140.4318.961.99
Change in Long Term Debt-31.000.000.000.000.000.000.00-71.8331.49
Issuance of Long Term Debt0.000.000.000.000.000.000.0019.9431.86
Reduction of Long Term Debt-31.000.000.000.000.000.000.00-91.78-0.36
Net Financing Active Other Cash Flow1.790.570.550.000.00-0.530.000.000.00
Other Financing Activities Uses0.000.000.000.000.00-0.530.00--
Cash from Financing Activities169.608.1387.76113.8986.9144.65331.47-60.41175.92
Net Change in Cash-58.50-99.10183.714.34-147.8983.4569.30-32.3559.01
Free Cash Flow59.4670.5033.3841.5736.7139.5628.876.1813.27
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow21.6613.7527.039.308.728.958.598,200.9217.47
Federal Home Loan Advances Increase (Decrease)--6.49-7.07-1.35-3.393.315.62-2.68-0.59

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks48.6958.3249.0142.0860.9754.34
Investments1,054.791,076.811,098.851,107.911,058.991,021.66
Net Loans4,161.604,066.404,013.863,973.013,931.633,883.48
Investment in Unconsolidated Affiliates0.000.000.0010.900.000.00
Net Property, Plant & Equipment62.5163.0063.6464.8865.4366.07
Interest Receivables20.7319.7921.1821.4720.4419.96
Deferred Tax Assets43.1332.6932.8050.3934.1036.68
Other Intangible Assets315.80295.14297.64288.06298.66305.45
Total Assets5,707.245,612.155,576.975,558.715,470.235,387.65
Total Deposits4,581.914,620.024,627.424,528.774,533.564,516.62
Total Debt438.78304.08277.15351.09293.65250.59
Long Term Debt438.35295.64256.62110.44260.74219.74
Provision for Risks Charges1.902.002.002.402.402.40
Deferred Tax Liabilities---16.46--
Other Liabilities79.4564.4067.2168.4668.6969.58
Total Liabilities5,102.044,990.504,973.794,967.184,898.304,839.20
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity605.20621.65603.18591.53571.94548.45
Total Shareholders Equity605.20621.65603.18591.53571.94548.45
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity605.20621.65603.18591.53571.94548.45
Total Liabilities & Stockholders Equity5,707.245,612.155,576.975,558.715,470.235,387.65
Book Value Per Share30.7731.6030.7630.3229.3328.07
Tangible Book Value Per Share25.6226.3525.3824.8023.6822.32
Tier 1 Capital-550.62532.29514.57495.52477.14
Tier 2 Capital-46.0369.6572.7878.9597.97
Full-Time Employees---627--
Price to Book Ratio1.441.331.191.211.331.28
Return on Assets1.561.571.541.471.341.01
Return on Equity14.8314.7514.9014.5913.4310.47
Return on Invested Capital2.192.312.543.062.632.53
Current Ratio0.070.080.080.060.100.18

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations19.9519.9323.3918.2819.8318.82
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-23.223.022.14-1.792.995.66
Cash from Operating Activities-3.2722.9525.5416.4922.8224.48
Capital Expenditures-0.65-1.36-0.42-0.62-0.51-0.79
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.02
Purchase or Sale of Investments-9.051.08-0.59-58.224.88-29.59
Purchase of Investments-34.91-28.45-23.98-125.20-57.90-50.74
Sale Or Maturity of Investments25.8629.5223.3966.9862.7821.15
Other Uses0.000.000.000.000.00-0.01
Other Sources0.500.004.430.000.860.00
Cash from Investing Activities-106.78-52.42-32.36-98.25-41.03-82.56
Cash Dividends Paid-5.90-5.89-5.86-5.26-5.26-5.07
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.01-0.52-1.32-0.18-1.47-0.08
Repurchase of Common Pref Stock-0.08-0.52-1.40-0.18-1.55-0.08
Sale of Common Pref Stock0.100.000.070.000.090.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net134.9125.42-73.2757.5475.3542.92
Change in Long Term Debt0.00-31.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.00-31.000.000.000.000.00
Net Financing Active Other Cash Flow-0.021.66-0.020.160.060.36
Other Financing Activities Uses0.000.02-0.020.000.000.02
Cash from Financing Activities90.8613.1818.1847.3852.98-79.67
Net Change in Cash-19.20-16.3011.36-34.3734.77-137.74
Free Cash Flow-3.9222.4025.1115.8722.3123.69
Price to Free Cash Flow21.6612.5110.6913.7715.6522.25

Revenue breakdown

Products And Services, Brokerage Income2024: 4.85M 2025: 6.72M
Products And Services, Merchant And Bankcard Fees (Interchange Income)2024: 5.26M 2025: 6.96M
Products And Services, Service Charges On Deposits2024: 5.70M 2025: 8.49M
Products And Services, Trust And Investment Management Income2024: 11.50M 2025: 14.98M
United States2024: 27.31M 2025: 37.14M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-302.16%0.4M18.7M94.68K
2026-10-152.56%0.5M18.7M99.92K
2026-09-302.74%0.5M18.7M106.25K
2026-09-153.25%0.6M18.7M126.79K
2026-08-312.81%0.5M18.7M134.44K
2026-08-142.85%0.5M18.7M134.54K
2026-07-312.89%0.5M18.7M133.72K
2026-07-153.17%0.6M18.7M137.90K
2026-06-303.07%0.6M18.7M140.51K
2026-06-154.51%0.8M18.7M141.67K
2026-05-294.61%0.9M18.7M152.52K
2026-05-154.50%0.8M18.7M165.54K
2026-04-304.28%0.8M18.7M181.33K
2026-04-154.05%0.8M18.6M221.16K
2026-03-314.36%0.8M18.5M240.88K
2026-03-132.19%0.4M18.5M244.45K
2026-02-272.05%0.4M18.4M273.22K
2026-02-131.86%0.3M18.4M278.53K
2026-01-301.68%0.3M18.5M268.27K
2026-01-151.60%0.3M18.5M229.85K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call22.5020.2023.400.004.5520.000.000.972-0.0570.004
call25.0017.7020.700.003.8520.000.000.968-0.0560.005
call30.0013.0015.600.002.7510.000.000.957-0.0520.006
call35.008.1010.200.001.7360.000.000.866-0.1200.015
call40.002.005.102.750.9800.000.000.766-0.1100.021
call45.000.200.750.500.4452430.000.387-0.0740.026
call50.000.000.250.050.60264.000.000.121-0.0450.015
call55.000.000.050.030.6694.000.000.028-0.0160.005
call60.000.000.350.000.9390.000.000.022-0.0190.004
put22.500.001.150.002.4390.000.00-0.027-0.0580.004
put25.000.000.950.002.1040.000.00-0.031-0.0560.005
put30.000.000.200.001.5280.000.00-0.042-0.0520.006
put35.000.000.750.001.4480.000.00-0.134-0.1190.015
put40.000.000.950.000.9200.000.00-0.237-0.1080.021
put45.001.002.353.730.6091.000.00-0.614-0.0730.026
put50.005.108.000.001.4960.000.00-0.881-0.0470.014
put55.009.7013.000.001.8900.000.00-0.972-0.0140.004
put60.0014.3017.100.001.7120.000.00-0.978-0.0150.004

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0910-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-218-KCurrent report2026-10-20SEC
2026-10-1413F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-09-30SEC
2026-10-08SCHEDULE 13GSEC
2026-08-13N-PXAnnual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX2026-06-30SEC
2026-08-074Statement of changes in beneficial ownership of securities2026-08-06SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-06144Filing for proposed sale of securities under Rule 144.SEC
2026-08-034Statement of changes in beneficial ownership of securities2026-07-30SEC
2026-07-284Statement of changes in beneficial ownership of securities2026-07-24SEC
2026-07-27144Filing for proposed sale of securities under Rule 144.SEC
2026-07-228-KCurrent report2026-07-21SEC
2026-07-1013F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-06-30SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-06-034Statement of changes in beneficial ownership of securities2026-06-01SEC
2026-05-298-KCurrent report2026-05-29SEC
2026-05-0810-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC
2026-05-064Statement of changes in beneficial ownership of securities2026-05-05SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-0800109.19K1
2026-0700124.91K1
2026-060000
2026-050000
2026-040000
2026-0334.02K1268.15K1
2026-0214.70K1485.87K3
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.8.55%
DIMENSIONAL FUND ADVISORS LP5.14%
VANGUARD CAPITAL MANAGEMENT LLC4.25%
STATE STREET CORP3.46%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC3.38%
AMERICAN CENTURY COMPANIES INC3.06%
GEODE CAPITAL MANAGEMENT, LLC2.95%
VANGUARD PORTFOLIO MANAGEMENT LLC1.55%
TWO SIGMA INVESTMENTS, LP1.48%
ALGERT GLOBAL LLC1.46%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND3.02%
Avantis U.S. Small Cap Value ETF2.89%
iShares Russell 2000 ETF2.75%
Schwab U.S. Dividend Equity ETF2.72%
VANGUARD EXTENDED MARKET INDEX FUND1.14%
Fidelity Small Cap Index Fund1.07%
iShares Russell 2000 Value ETF0.98%
State Street(R) SPDR(R) S&P(R) Regional Banking ETF0.97%
U.S. SMALL CAP VALUE PORTFOLIO0.92%
ProShares Russell 2000 Dividend Growers ETF0.91%

OakChart. ORRF. Cached 15 minutes.