Demonstrações financeiras detalhadas de Orrstown Financial Services, Inc. (ORRF): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Orrstown Financial Services, Inc. registou receitas de $353.9M no último exercício, com um CAGR de 5 anos de 22.8%. O lucro líquido atingiu $80.9M, com CAGR de 5 anos de 25.0%.
Margens dos últimos 12 meses: margem bruta 71.0%, margem operacional 29.9%, margem líquida 24.1%. O fluxo de caixa livre cresceu a CAGR de 19.6% em 5 anos.
Ao preço atual de $42.00, ORRF negocia a um P/L de 9.01 e um ROE de 14.46%. A capitalização de mercado é de $825M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $61.0M | $70.6M | $85.9M | $120.5M | $126.9M | $121.6M | $134.3M | $174.3M | $284.1M | $353.9M |
| Custo da Receita | $5.7M | $8.6M | $14.3M | $24.6M | $21.3M | $7.8M | $13.2M | $46.7M | $110.2M | $103.9M |
| Lucro Bruto | $55.3M | $62.0M | $71.6M | $95.9M | $105.5M | $113.8M | $121.1M | $127.6M | $173.9M | $250.0M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $31.6M | $33.3M | $35.8M | $42.8M | $46.6M | $47.9M | $52.3M | $56.0M | $82.6M | $90.5M |
| Despesas Operacionais | $47.4M | $49.6M | $57.1M | $76.3M | $73.0M | $72.9M | $94.5M | $82.6M | $146.1M | $147.3M |
| Lucro Operacional | $7.9M | $12.4M | $14.4M | $19.6M | $32.5M | $40.9M | $26.6M | $45.0M | $27.8M | $102.7M |
| EBITDA | $10.8M | $15.7M | $18.1M | $25.2M | $39.1M | $46.2M | $31.2M | $49.4M | $37.5M | $116.7M |
| Despesas com Juros | $5.4M | $7.6M | $13.5M | $23.7M | $16.0M | $6.7M | $9.0M | $45.0M | $93.7M | $103.9M |
| Lucro Antes de Impostos | $7.9M | $12.4M | $14.4M | $19.6M | $32.5M | $40.9M | $26.6M | $45.0M | $27.8M | $102.6M |
| Imposto | $1.3M | $4.3M | $1.6M | $2.7M | $6.0M | $8.0M | $4.6M | $9.4M | $5.8M | $21.8M |
| Lucro Líquido | $6.6M | $8.1M | $12.8M | $16.9M | $26.5M | $32.9M | $22.0M | $35.7M | $22.1M | $80.9M |
| LPA | $0.82 | $1.00 | $1.53 | $1.63 | $2.42 | $3.00 | $2.09 | $3.45 | $1.49 | $4.21 |
| LPA Diluído | $0.81 | $0.98 | $1.50 | $1.61 | $2.40 | $2.96 | $2.06 | $3.42 | $1.48 | $4.18 |
| Ações em Circulação (Diluídas) | $8.1M | $8.2M | $8.5M | $10.5M | $11.0M | $11.1M | $10.7M | $10.4M | $14.9M | $16.8M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $89.6M | $90.7M | $89.9M | $88.5M |
| Lucro Bruto | $63.1M | $64.9M | $64.2M | $62.3M |
| Lucro Operacional | $27.7M | $27.6M | $27.5M | $24.7M |
| EBITDA | $31.4M | $29.9M | $31.0M | $24.7M |
| Lucro Líquido | $21.9M | $21.5M | $21.8M | $21.2M |
| LPA | $1.14 | $1.29 | $1.13 | $1.10 |
| LPA Diluído | $1.13 | $1.28 | $1.12 | $1.09 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $30.3M | $29.8M | $71.8M | $56.0M | $125.3M | $208.7M | $60.8M | $65.2M | $248.9M | $42.1M |
| Investimentos de Curto Prazo | $400.2M | $415.3M | $465.8M | $490.4M | $466.5M | $472.4M | $513.7M | $513.5M | $829.7M | $952.7M |
| Contas a Receber | $4.7M | $5.0M | $5.9M | $6.0M | $8.9M | $8.2M | $11.0M | $13.6M | $21.1M | $21.5M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $435.1M | $450.2M | $543.6M | $552.9M | $600.6M | $689.4M | $585.6M | $592.3M | $1.10B | $1.02B |
| Imobilizado | $34.9M | $34.8M | $38.2M | $37.5M | $35.1M | $34.0M | $29.3M | $29.4M | $50.2M | $51.0M |
| Ágio | 0 | $719000 | $12.6M | $19.9M | $18.7M | $18.7M | $18.7M | $18.7M | $68.1M | $69.8M |
| Ativos Intangíveis | $2.8M | $356000 | $3.9M | $7.2M | $5.5M | $4.2M | $3.1M | $2.4M | $47.8M | $38.0M |
| Ativos Totais | $1.41B | $1.56B | $1.93B | $2.38B | $2.75B | $2.83B | $2.92B | $3.06B | $5.44B | $5.54B |
| Contas a Pagar | $15.2M | $17.2M | $22.8M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $87.9M | $93.6M | $64.1M | $163.1M | $19.5M | $23.3M | $17.3M | $9.8M | $25.9M | $24.5M |
| Passivos Circulantes | $1.26B | $1.33B | $1.65B | $2.04B | $2.38B | $2.49B | $2.49B | $2.57B | $4.65B | $895.4M |
| Dívida de Longo Prazo | $24.2M | $83.8M | $115.3M | $241.5M | $89.9M | $33.9M | $138.2M | $169.6M | $184.0M | $311.8M |
| Passivos Totais | $1.28B | $1.41B | $1.76B | $2.16B | $2.50B | $2.56B | $2.69B | $2.80B | $4.92B | $4.95B |
| Reservas | $11.7M | $16.0M | $24.5M | $35.2M | $54.1M | $78.7M | $92.5M | $117.7M | $126.5M | $186.8M |
| Patrimônio Líquido | $134.9M | $144.8M | $173.4M | $223.2M | $246.2M | $271.7M | $228.9M | $265.1M | $516.7M | $591.5M |
| Dívida Total | $112.0M | $177.4M | $179.4M | $404.7M | $109.4M | $57.2M | $155.4M | $179.4M | $209.9M | $336.4M |
| Dívida Líquida | -$318.4M | -$267.7M | -$358.3M | -$142.2M | -$482.3M | -$624.0M | -$419.1M | -$399.3M | -$868.7M | -$658.5M |
| Capital de Giro | -$820.4M | -$880.1M | -$1.10B | -$1.49B | -$1.78B | -$1.80B | -$1.91B | -$1.98B | -$3.55B | $120.8M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $184.1M | $42.1M | $49.0M | $58.3M |
| Ativos Totais | $5.47B | $5.54B | $5.58B | $5.61B |
| Passivos Totais | $4.90B | $4.95B | $4.97B | $4.99B |
| Patrimônio Líquido | $571.9M | $591.5M | $603.2M | $621.6M |
| Dívida Total | $278.7M | $336.4M | $263.2M | $282.4M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $6.6M | $8.1M | $12.8M | $16.9M | $26.5M | $32.9M | $22.0M | $35.7M | $22.1M | $80.9M |
| Depreciação e Amortização | $3.0M | $3.3M | $3.6M | $5.5M | $6.6M | $5.3M | $4.6M | $4.3M | $9.7M | $15.3M |
| Compensação em Ações | $958000 | $1.4M | $1.5M | $1.6M | $2.1M | $1.9M | $2.2M | $2.4M | $8.7M | $5.0M |
| Variação Capital de Giro | -$266000 | $1.6M | $1.8M | -$4.0M | -$1.9M | -$1.9M | $6.7M | -$4.1M | -$6.4M | -$5.4M |
| Fluxo de Caixa Operacional | $15.6M | $16.4M | $22.5M | $9.1M | $30.2M | $40.8M | $36.2M | $43.7M | $35.0M | $74.7M |
| CapEx | -$13.4M | -$2.7M | -$4.8M | -$2.9M | -$1.3M | -$1.3M | -$895000 | -$2.3M | -$1.6M | -$4.2M |
| Aquisições | 0 | 0 | $12.4M | $29.4M | 0 | 0 | 0 | -$17.6M | $45.3M | 0 |
| Recompra de Ações | -$631000 | 0 | -$651000 | -$1.8M | -$1.9M | -$2.4M | -$14.5M | -$3.0M | -$2.4M | -$2.3M |
| Dividendos Pagos | -$2.9M | -$3.5M | -$4.4M | -$6.2M | -$7.6M | -$8.3M | -$8.3M | -$8.5M | -$13.2M | -$20.6M |
| Fluxo de Caixa Livre | $2.2M | $13.7M | $17.7M | $6.2M | $28.9M | $39.6M | $35.3M | $41.4M | $33.4M | $70.5M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $22.8M | $16.5M | $25.5M | $22.9M |
| CapEx | -$506000 | -$624000 | -$422000 | -$546000 |
| Fluxo de Caixa Livre | $22.3M | $15.9M | $25.1M | $22.4M |
| Dividendos Pagos | -$5.3M | -$5.3M | -$5.9M | -$5.9M |
| Compensação em Ações | $1.3M | $1.0M | $1.5M | $1.8M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +15.9% | +21.6% | +40.3% | +5.3% | -4.1% | +10.4% | +29.8% | +63.0% | +24.6% |
| Crescimento Lucro Líquido (anual) | | +22.1% | +58.3% | +32.2% | +56.4% | +24.3% | -33.0% | +61.8% | -38.2% | +266.7% |
| Crescimento LPA (anual) | | +22.0% | +53.0% | +6.5% | +48.5% | +24.0% | -30.3% | +65.1% | -56.8% | +182.6% |
| Variação de Ações (anual) | | +1.0% | +3.8% | +23.2% | +4.9% | +0.7% | -3.6% | -2.5% | +42.9% | +12.4% |
| Crescimento FCF (anual) | | +517.5% | +29.2% | -65.1% | +367.2% | +37.0% | -10.8% | +17.3% | -19.4% | +111.2% |
| Margem Bruta | 90.7% | 87.8% | 83.3% | 79.6% | 83.2% | 93.6% | 90.2% | 73.2% | 61.2% | 70.6% |
| Margem Operacional | 13.0% | 17.6% | 16.8% | 16.3% | 25.6% | 33.6% | 19.8% | 25.8% | 9.8% | 29.0% |
| Margem EBITDA | 17.8% | 22.2% | 21.1% | 20.9% | 30.8% | 38.0% | 23.3% | 28.3% | 13.2% | 33.0% |
| Margem Líquida | 10.9% | 11.5% | 14.9% | 14.0% | 20.9% | 27.0% | 16.4% | 20.5% | 7.8% | 22.8% |
| Margem FCF | 3.6% | 19.4% | 20.6% | 5.1% | 22.8% | 32.5% | 26.3% | 23.8% | 11.7% | 19.9% |
| Taxa Efetiva de Imposto | 16.0% | 34.9% | 11.4% | 13.8% | 18.6% | 19.6% | 17.2% | 20.8% | 20.7% | 21.2% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.27 | $1.67 | $2.07 | $0.59 | $2.62 | $3.56 | $3.30 | $3.97 | $2.24 | $4.21 |
| Dividendo por Ação | $0.36 | $0.42 | $0.51 | $0.58 | $0.69 | $0.75 | $0.77 | $0.81 | $0.88 | $1.23 |
| Ações em Circulação (Básicas) | $8.1M | $8.1M | $8.4M | $10.4M | $10.9M | $11.0M | $10.6M | $10.3M | $14.8M | $16.6M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 14.46% |
| Retorno sobre capital investido | -2.54% |
| Retorno sobre ativos | 1.54% |
| Margem bruta | 70.96% |
| Margem operacional | 29.94% |
| Margem líquida | 24.06% |
Saúde financeira
| Dívida / Patrimônio | 0.45 |
| Liquidez corrente | 0.21 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 27.32 | 25.25 | 11.90 | 13.88 | 6.84 | 8.40 | 11.08 | 8.55 | 24.57 | 8.41 |
| P/VP | 1.34 | 1.41 | 0.88 | 1.05 | 0.74 | 1.02 | 1.07 | 1.15 | 1.05 | 1.00 |
| P/V | 2.97 | 2.89 | 1.77 | 1.94 | 1.43 | 2.27 | 1.82 | 1.75 | 1.90 | 1.67 |
| Margem Bruta | 90.7% | 87.8% | 83.3% | 79.6% | 83.2% | 93.6% | 90.2% | 73.2% | 61.2% | 70.6% |
| Margem Operacional | 13.0% | 17.6% | 16.8% | 16.3% | 25.6% | 33.6% | 19.8% | 25.8% | 9.8% | 29.0% |
| Margem Líquida | 10.9% | 11.5% | 14.9% | 14.0% | 20.9% | 27.0% | 16.4% | 20.5% | 7.8% | 22.8% |