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Side-by-side financial comparison of ORRSTOWN FINANCIAL SERVICES INC (ORRF) and RE/MAX Holdings, Inc. (RMAX). Click either name above to swap in a different company.
RE/MAX Holdings, Inc. is the larger business by last-quarter revenue ($71.1M vs $64.6M, roughly 1.1× ORRSTOWN FINANCIAL SERVICES INC). ORRSTOWN FINANCIAL SERVICES INC runs the higher net margin — 33.8% vs 2.0%, a 31.7% gap on every dollar of revenue. Over the past eight quarters, ORRSTOWN FINANCIAL SERVICES INC's revenue compounded faster (39.3% CAGR vs -4.7%).
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.
RE/MAX is an international real estate franchise operating in over 100 countries and territories that, in 2015, had over 100,000 agents in 6,800 offices.
ORRF vs RMAX — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $64.6M | $71.1M |
| Net Profit | $21.8M | $1.4M |
| Gross Margin | — | — |
| Operating Margin | — | 13.1% |
| Net Margin | 33.8% | 2.0% |
| Revenue YoY | — | -1.8% |
| Net Profit YoY | 19.1% | -75.2% |
| EPS (diluted) | $1.12 | — |
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 | $71.1M | ||
| Q3 25 | $64.4M | $73.2M | ||
| Q2 25 | $62.4M | $72.8M | ||
| Q1 25 | $60.4M | $74.5M | ||
| Q4 24 | $61.8M | $72.5M | ||
| Q3 24 | $64.1M | $78.5M | ||
| Q2 24 | $33.3M | $78.5M |
| Q1 26 | $21.8M | — | ||
| Q4 25 | $21.5M | $1.4M | ||
| Q3 25 | $21.9M | $4.0M | ||
| Q2 25 | $19.4M | $4.7M | ||
| Q1 25 | $18.1M | $-2.0M | ||
| Q4 24 | $13.7M | $5.8M | ||
| Q3 24 | $-7.9M | $966.0K | ||
| Q2 24 | $7.7M | $3.7M |
| Q1 26 | — | — | ||
| Q4 25 | 42.3% | 13.1% | ||
| Q3 25 | 43.0% | 25.0% | ||
| Q2 25 | 39.6% | 19.3% | ||
| Q1 25 | 37.7% | 7.2% | ||
| Q4 24 | 27.7% | 5.9% | ||
| Q3 24 | -15.4% | 19.4% | ||
| Q2 24 | 29.5% | 20.6% |
| Q1 26 | 33.8% | — | ||
| Q4 25 | 33.1% | 2.0% | ||
| Q3 25 | 34.0% | 5.4% | ||
| Q2 25 | 31.2% | 6.4% | ||
| Q1 25 | 29.9% | -2.6% | ||
| Q4 24 | 22.1% | 8.0% | ||
| Q3 24 | -12.3% | 1.2% | ||
| Q2 24 | 23.3% | 4.7% |
| Q1 26 | $1.12 | — | ||
| Q4 25 | $1.11 | — | ||
| Q3 25 | $1.13 | — | ||
| Q2 25 | $1.01 | — | ||
| Q1 25 | $0.93 | — | ||
| Q4 24 | $0.35 | — | ||
| Q3 24 | $-0.41 | — | ||
| Q2 24 | $0.73 | — |
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 | $118.7M |
| Total DebtLower is stronger | — | $432.2M |
| Stockholders' EquityBook value | $603.2M | $452.4M |
| Total Assets | $5.6B | $582.5M |
| Debt / EquityLower = less leverage | — | 0.96× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $161.8M | — | ||
| Q4 25 | — | $118.7M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $94.3M | ||
| Q1 25 | — | $89.1M | ||
| Q4 24 | — | $96.6M | ||
| Q3 24 | — | $83.8M | ||
| Q2 24 | — | $66.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M |
| Q1 26 | $603.2M | — | ||
| Q4 25 | $591.5M | $452.4M | ||
| Q3 25 | $571.9M | $448.1M | ||
| Q2 25 | $548.4M | $442.4M | ||
| Q1 25 | $532.9M | $433.5M | ||
| Q4 24 | $516.7M | $429.5M | ||
| Q3 24 | $516.2M | $423.1M | ||
| Q2 24 | $278.4M | $418.4M |
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.5B | $582.5M | ||
| Q3 25 | $5.5B | $582.2M | ||
| Q2 25 | $5.4B | $574.8M | ||
| Q1 25 | $5.4B | $571.4M | ||
| Q4 24 | $5.4B | $581.6M | ||
| Q3 24 | $5.5B | $578.6M | ||
| Q2 24 | $3.2B | $571.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× |
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 | — | $40.9M |
| Free Cash FlowOCF − Capex | — | $33.5M |
| FCF MarginFCF / Revenue | — | 47.1% |
| Capex IntensityCapex / Revenue | — | 10.4% |
| Cash ConversionOCF / Net Profit | — | 28.39× |
| TTM Free Cash FlowTrailing 4 quarters | — | $56.8M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $74.7M | $40.9M | ||
| Q3 25 | $22.8M | $17.7M | ||
| Q2 25 | $24.5M | $4.6M | ||
| Q1 25 | $11.0M | $5.7M | ||
| Q4 24 | $35.0M | $59.7M | ||
| Q3 24 | $7.5M | $17.6M | ||
| Q2 24 | $6.4M | $15.9M |
| Q1 26 | — | — | ||
| Q4 25 | $70.5M | $33.5M | ||
| Q3 25 | $22.3M | $16.4M | ||
| Q2 25 | $23.7M | $2.9M | ||
| Q1 25 | $8.6M | $4.0M | ||
| Q4 24 | $33.4M | $53.0M | ||
| Q3 24 | $7.1M | $16.3M | ||
| Q2 24 | $6.4M | $14.0M |
| Q1 26 | — | — | ||
| Q4 25 | 108.6% | 47.1% | ||
| Q3 25 | 34.7% | 22.4% | ||
| Q2 25 | 37.9% | 4.0% | ||
| Q1 25 | 14.3% | 5.3% | ||
| Q4 24 | 54.0% | 73.2% | ||
| Q3 24 | 11.1% | 20.8% | ||
| Q2 24 | 19.2% | 17.8% |
| Q1 26 | — | — | ||
| Q4 25 | 6.5% | 10.4% | ||
| Q3 25 | 0.8% | 1.8% | ||
| Q2 25 | 1.3% | 2.2% | ||
| Q1 25 | 3.8% | 2.3% | ||
| Q4 24 | 2.6% | 9.1% | ||
| Q3 24 | 0.6% | 1.7% | ||
| Q2 24 | 0.1% | 2.4% |
| Q1 26 | — | — | ||
| Q4 25 | 3.48× | 28.39× | ||
| Q3 25 | 1.04× | 4.45× | ||
| Q2 25 | 1.26× | 0.97× | ||
| Q1 25 | 0.61× | — | ||
| Q4 24 | 2.55× | 10.28× | ||
| Q3 24 | — | 18.22× | ||
| Q2 24 | 0.83× | 4.29× |
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% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
