vs
Side-by-side financial comparison of ORRSTOWN FINANCIAL SERVICES INC (ORRF) and Perma-Pipe International Holdings, Inc. (PPIH). Click either name above to swap in a different company.
ORRSTOWN FINANCIAL SERVICES INC is the larger business by last-quarter revenue ($64.6M vs $61.1M, roughly 1.1× Perma-Pipe International Holdings, Inc.). ORRSTOWN FINANCIAL SERVICES INC runs the higher net margin — 33.8% vs 10.3%, a 23.4% gap on every dollar of revenue. Over the past eight quarters, ORRSTOWN FINANCIAL SERVICES INC's revenue compounded faster (39.3% CAGR vs 23.4%).
Orrstown Financial Services Inc is a US regional bank holding company headquartered in Shippensburg, Pennsylvania. It offers a full range of retail and commercial banking solutions including deposit accounts, personal and business loans, mortgages, and wealth management services, primarily serving customers across central Pennsylvania and northern Maryland.
Perma-Pipe International Holdings, Inc. designs, manufactures and supplies pre-insulated piping systems and integrated leak detection solutions. Its offerings cater to oil & gas, district heating and cooling, industrial, and municipal infrastructure segments, with a global footprint spanning North America, the Middle East, Europe and Asia.
ORRF vs PPIH — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $64.6M | $61.1M |
| Net Profit | $21.8M | $6.3M |
| Gross Margin | — | 34.4% |
| Operating Margin | — | 18.6% |
| Net Margin | 33.8% | 10.3% |
| Revenue YoY | — | 47.1% |
| Net Profit YoY | 19.1% | 153.5% |
| EPS (diluted) | $1.12 | $0.77 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $64.6M | — | ||
| Q4 25 | $64.9M | $61.1M | ||
| Q3 25 | $64.4M | $47.9M | ||
| Q2 25 | $62.4M | $46.7M | ||
| Q1 25 | $60.4M | $45.0M | ||
| Q4 24 | $61.8M | $41.6M | ||
| Q3 24 | $64.1M | $37.5M | ||
| Q2 24 | $33.3M | $34.3M |
| Q1 26 | $21.8M | — | ||
| Q4 25 | $21.5M | $6.3M | ||
| Q3 25 | $21.9M | $851.0K | ||
| Q2 25 | $19.4M | $5.0M | ||
| Q1 25 | $18.1M | $1.8M | ||
| Q4 24 | $13.7M | $2.5M | ||
| Q3 24 | $-7.9M | $3.3M | ||
| Q2 24 | $7.7M | $1.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 34.4% | ||
| Q3 25 | — | 30.1% | ||
| Q2 25 | — | 35.8% | ||
| Q1 25 | — | 33.7% | ||
| Q4 24 | — | 33.9% | ||
| Q3 24 | — | 35.9% | ||
| Q2 24 | — | 30.6% |
| Q1 26 | — | — | ||
| Q4 25 | 42.3% | 18.6% | ||
| Q3 25 | 43.0% | 6.7% | ||
| Q2 25 | 39.6% | 16.9% | ||
| Q1 25 | 37.7% | 12.1% | ||
| Q4 24 | 27.7% | 13.4% | ||
| Q3 24 | -15.4% | 16.4% | ||
| Q2 24 | 29.5% | 9.1% |
| Q1 26 | 33.8% | — | ||
| Q4 25 | 33.1% | 10.3% | ||
| Q3 25 | 34.0% | 1.8% | ||
| Q2 25 | 31.2% | 10.6% | ||
| Q1 25 | 29.9% | 3.9% | ||
| Q4 24 | 22.1% | 6.0% | ||
| Q3 24 | -12.3% | 8.8% | ||
| Q2 24 | 23.3% | 4.2% |
| Q1 26 | $1.12 | — | ||
| Q4 25 | $1.11 | $0.77 | ||
| Q3 25 | $1.13 | $0.10 | ||
| Q2 25 | $1.01 | $0.61 | ||
| Q1 25 | $0.93 | $0.23 | ||
| Q4 24 | $0.35 | $0.31 | ||
| Q3 24 | $-0.41 | $0.40 | ||
| Q2 24 | $0.73 | $0.18 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $161.8M | $27.2M |
| Total DebtLower is stronger | — | $12.7M |
| Stockholders' EquityBook value | $603.2M | $85.8M |
| Total Assets | $5.6B | $217.0M |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $161.8M | — | ||
| Q4 25 | — | $27.2M | ||
| Q3 25 | — | $17.3M | ||
| Q2 25 | — | $18.8M | ||
| Q1 25 | — | $15.7M | ||
| Q4 24 | — | $13.3M | ||
| Q3 24 | — | $9.5M | ||
| Q2 24 | — | $7.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | $12.7M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $15.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $603.2M | — | ||
| Q4 25 | $591.5M | $85.8M | ||
| Q3 25 | $571.9M | $80.2M | ||
| Q2 25 | $548.4M | $77.9M | ||
| Q1 25 | $532.9M | $72.1M | ||
| Q4 24 | $516.7M | $71.2M | ||
| Q3 24 | $516.2M | $68.6M | ||
| Q2 24 | $278.4M | $65.5M |
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.5B | $217.0M | ||
| Q3 25 | $5.5B | $189.0M | ||
| Q2 25 | $5.4B | $178.3M | ||
| Q1 25 | $5.4B | $165.2M | ||
| Q4 24 | $5.4B | $160.7M | ||
| Q3 24 | $5.5B | $157.8M | ||
| Q2 24 | $3.2B | $155.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.21× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $17.3M |
| Free Cash FlowOCF − Capex | — | $12.4M |
| FCF MarginFCF / Revenue | — | 20.2% |
| Capex IntensityCapex / Revenue | — | 8.1% |
| Cash ConversionOCF / Net Profit | — | 2.74× |
| TTM Free Cash FlowTrailing 4 quarters | — | $12.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $74.7M | $17.3M | ||
| Q3 25 | $22.8M | $-2.0M | ||
| Q2 25 | $24.5M | $733.0K | ||
| Q1 25 | $11.0M | $6.0M | ||
| Q4 24 | $35.0M | $5.2M | ||
| Q3 24 | $7.5M | $2.8M | ||
| Q2 24 | $6.4M | $-73.0K |
| Q1 26 | — | — | ||
| Q4 25 | $70.5M | $12.4M | ||
| Q3 25 | $22.3M | $-4.6M | ||
| Q2 25 | $23.7M | $-194.0K | ||
| Q1 25 | $8.6M | $4.7M | ||
| Q4 24 | $33.4M | $4.8M | ||
| Q3 24 | $7.1M | $2.2M | ||
| Q2 24 | $6.4M | $-662.0K |
| Q1 26 | — | — | ||
| Q4 25 | 108.6% | 20.2% | ||
| Q3 25 | 34.7% | -9.6% | ||
| Q2 25 | 37.9% | -0.4% | ||
| Q1 25 | 14.3% | 10.5% | ||
| Q4 24 | 54.0% | 11.6% | ||
| Q3 24 | 11.1% | 5.8% | ||
| Q2 24 | 19.2% | -1.9% |
| Q1 26 | — | — | ||
| Q4 25 | 6.5% | 8.1% | ||
| Q3 25 | 0.8% | 5.3% | ||
| Q2 25 | 1.3% | 2.0% | ||
| Q1 25 | 3.8% | 2.9% | ||
| Q4 24 | 2.6% | 0.8% | ||
| Q3 24 | 0.6% | 1.7% | ||
| Q2 24 | 0.1% | 1.7% |
| Q1 26 | — | — | ||
| Q4 25 | 3.48× | 2.74× | ||
| Q3 25 | 1.04× | -2.40× | ||
| Q2 25 | 1.26× | 0.15× | ||
| Q1 25 | 0.61× | 3.42× | ||
| Q4 24 | 2.55× | 2.07× | ||
| Q3 24 | — | 0.86× | ||
| Q2 24 | 0.83× | -0.05× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ORRF
| Net Interest Income | $49.0M | 76% |
| Noninterest Income | $15.6M | 24% |
PPIH
Segment breakdown not available.
