Orrstown Financial Services, Inc. ORRF NASDAQ

Orrstown Financial Services, Inc. (ORRF) generated $16.49M in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $624K, free cash flow was $15.87M.

Free cash flow margin was 17.5% of revenue. Cash conversion ratio was 0.77x, suggesting some earnings are non-cash.

The company returned $5.27M in dividends and $177K in share buybacks to shareholders during the quarter.

Criteria supported by this page:

• HEALTH (33/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (49/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (85/100) — Cash conversion ratio was 0.77x suggests some earnings are non-cash items

Overall SharesGrow Score: 64/100 with 3/7 criteria passed.