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Orrstown Financial Services cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$3.9M in Q3 2026 · $59.5M over twelve months

Operating cash flow−$3.3M
Capital spending−$651K
Free cash flow−$3.9M
Cash / net income-0.1×

Analysis

In Q3 2026, Orrstown Financial Services generated −$3.3M of operating cash flow and spent $651K on capital projects, leaving free cash flow of −$3.9M. That is $26.2M less than in Q3 2025 ($22.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $61.7M; the largest uses were other investing ($288M), dividends ($22.9M), capital spending ($2.2M); besides operations, cash came from net borrowing (+) / repaid (−) ($161M), other financing ($34.0M); the cash balance fell by $58.5M.

Operating cash flow was −$3.3M against net income of $22.8M — -0.1× profit, less cash than reported earnings, worth checking against working capital. The largest differences: depreciation & amortization +$3.4M, stock-based pay +$1.1M, other liabilities +$632K.

Free cash flow

Orrstown Financial Services: free cash flow by quarterOrrstown Financial Services: free cash flow by quarter$7.2MQ4 2024$8.6MQ1 2025$23.7MQ2 2025$22.3MQ3 2025$15.9MQ4 2025$25.1MQ1 2026$22.4MQ2 2026−$3.9MQ3 2026
Operating cash flow less capital spending.
Orrstown Financial Services: operating cash flow against capital spendingOrrstown Financial Services: operating cash flow against capital spendingOperating cash flowCapital spending$8.4M$1.1MQ4 2024$11.0M$2.3MQ1 2025$24.5M$790KQ2 2025$22.8M$506KQ3 2025$16.5M$624KQ4 2025$25.5M$422KQ1 2026$22.9M$546KQ2 2026−$3.3M$651KQ3 2026
Latest (Q3 2026): Operating cash flow −$3.3M, Capital spending $651K.

Capital allocation, year by year

Orrstown Financial Services: where the cash came from (up) and went (down), by fiscal yearOrrstown Financial Services: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $40.8MFY2021: Net borrowing −$52.3MFY2021: Shares issued $136KFY2021: Capital spending −$1.3MFY2021: Buybacks −$1.9MFY2021: Dividends −$8.3M$40.9MFY2021FY2022: Operating cash flow $36.2MFY2022: Net borrowing $98.6MFY2022: Shares issued $266KFY2022: Capital spending −$895KFY2022: Buybacks −$14.2MFY2022: Dividends −$8.3M$135MFY2022FY2023: Operating cash flow $43.7MFY2023: Net borrowing −$14.7MFY2023: Shares issued $272KFY2023: Asset sales $43KFY2023: Capital spending −$2.3MFY2023: Buybacks −$2.6MFY2023: Dividends −$8.5M$44.0MFY2023FY2024: Operating cash flow $35.0MFY2024: Net borrowing −$14.4MFY2024: Shares issued $267KFY2024: Capital spending −$1.6MFY2024: Dividends −$13.2M$35.2MFY2024FY2025: Operating cash flow $74.7MFY2025: Net borrowing $38.0MFY2025: Shares issued $151KFY2025: Capital spending −$4.2MFY2025: Buybacks −$263KFY2025: Dividends −$20.6M$113MFY2025
Over these 5 years operating cash flow totalled $230M; the largest uses were net borrowing ($81.4M) and dividends ($58.8M). Cash-flow statements as filed.

Where the cash came from and went

Orrstown Financial Services: sources (+) and uses (−) of cash, Q3 2026Orrstown Financial Services: sources (+) and uses (−) of cash, Q3 2026Net borrowing (+) / repaid (−)$135MOther investing−$106MOther financing−$38.1MCash drawn (+) / kept (−)$19.2MDividends−$5.9MOperating cash flow−$3.3MCapital spending−$651KShares issued$97KTaxes on employees’ shares−$82K
Orrstown Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Orrstown Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$288MNet borrowing (+) / repaid (−)$161MOperating cash flow$61.7MCash drawn (+) / kept (−)$58.5MOther financing$34.0MDividends−$22.9MCapital spending−$2.2MTaxes on employees’ shares−$1.6MBuybacks−$598KShares issued$172K

From profit to cash

Orrstown Financial Services: net income to operating cash flow, Q3 2026Orrstown Financial Services: net income to operating cash flow, Q3 2026Net income$22.8MDepreciation & amortization$3.4MStock-based pay$1.1MOther liabilities$632KOther operating capital$430KOperating cash flow−$3.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026−$3.3M−$651K—−$5.9M$135M$97K$19.2M−$3.9M
Q2 2026$22.9M−$546K—−$5.9M$131M—$16.3M$22.4M
Q1 2026$25.5M−$422K−$429K−$5.9M−$48.3M$75K−$11.4M$25.1M
Q4 2025$16.5M−$624K−$169K−$5.3M−$57.5M—$34.4M$15.9M
Q3 2025$22.8M−$506K−$29K−$5.3M$55.3M$78K−$34.8M$22.3M
Q2 2025$24.5M−$790K−$65K−$5.1M$42.9M—$138M$23.7M
Q1 2025$11.0M−$2.3M—−$5.0M−$2.8M$66K−$38.2M$8.6M
Q4 2024$8.4M−$1.1M—−$4.5M$3.9M—−$12.1M$7.2M

Orrstown Financial Services: income statement and cash flow

Orrstown Financial Services, Q3 2026: revenue $66.7M (+4% year over year), operating margin 42.5%. The chart follows the revenue to costs, profit and cash.

Orrstown Financial Services: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.