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Side-by-side financial comparison of ORRSTOWN FINANCIAL SERVICES INC (ORRF) and Smart Sand, Inc. (SND). Click either name above to swap in a different company.
Smart Sand, Inc. is the larger business by last-quarter revenue ($86.0M vs $64.6M, roughly 1.3× ORRSTOWN FINANCIAL SERVICES INC). ORRSTOWN FINANCIAL SERVICES INC runs the higher net margin — 33.8% vs 1.4%, a 32.4% gap on every dollar of revenue. Over the past eight quarters, ORRSTOWN FINANCIAL SERVICES INC's revenue compounded faster (39.3% CAGR vs 1.8%).
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.
Sand 9 is a fabless Micro-electromechanical system (MEMS) company based in Cambridge, Massachusetts. Sand 9 developed a piezoelectric MEMS resonator to serve as an alternative for quartz timing devices in applications such as smart phones, low-power wireless devices, and communications infrastructure equipment.
ORRF vs SND — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $64.6M | $86.0M |
| Net Profit | $21.8M | $1.2M |
| Gross Margin | — | 13.0% |
| Operating Margin | — | -3.1% |
| Net Margin | 33.8% | 1.4% |
| Revenue YoY | — | -5.8% |
| Net Profit YoY | 19.1% | -68.5% |
| EPS (diluted) | $1.12 | $0.03 |
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 | $86.0M | ||
| Q3 25 | $64.4M | $92.8M | ||
| Q2 25 | $62.4M | $85.8M | ||
| Q1 25 | $60.4M | $65.6M | ||
| Q4 24 | $61.8M | $91.4M | ||
| Q3 24 | $64.1M | $63.2M | ||
| Q2 24 | $33.3M | $73.8M |
| Q1 26 | $21.8M | — | ||
| Q4 25 | $21.5M | $1.2M | ||
| Q3 25 | $21.9M | $3.0M | ||
| Q2 25 | $19.4M | $21.4M | ||
| Q1 25 | $18.1M | $-24.2M | ||
| Q4 24 | $13.7M | $3.7M | ||
| Q3 24 | $-7.9M | $-98.0K | ||
| Q2 24 | $7.7M | $-430.0K |
| Q1 26 | — | — | ||
| Q4 25 | — | 13.0% | ||
| Q3 25 | — | 16.1% | ||
| Q2 25 | — | 10.4% | ||
| Q1 25 | — | 4.2% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 10.3% | ||
| Q2 24 | — | 17.7% |
| Q1 26 | — | — | ||
| Q4 25 | 42.3% | -3.1% | ||
| Q3 25 | 43.0% | 5.8% | ||
| Q2 25 | 39.6% | -0.1% | ||
| Q1 25 | 37.7% | -10.8% | ||
| Q4 24 | 27.7% | 3.9% | ||
| Q3 24 | -15.4% | -7.8% | ||
| Q2 24 | 29.5% | 4.8% |
| Q1 26 | 33.8% | — | ||
| Q4 25 | 33.1% | 1.4% | ||
| Q3 25 | 34.0% | 3.2% | ||
| Q2 25 | 31.2% | 24.9% | ||
| Q1 25 | 29.9% | -37.0% | ||
| Q4 24 | 22.1% | 4.1% | ||
| Q3 24 | -12.3% | -0.2% | ||
| Q2 24 | 23.3% | -0.6% |
| Q1 26 | $1.12 | — | ||
| Q4 25 | $1.11 | $0.03 | ||
| Q3 25 | $1.13 | $0.08 | ||
| Q2 25 | $1.01 | $0.54 | ||
| Q1 25 | $0.93 | $-0.62 | ||
| Q4 24 | $0.35 | $0.10 | ||
| Q3 24 | $-0.41 | $0.00 | ||
| Q2 24 | $0.73 | $-0.01 |
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 | $22.6M |
| Total DebtLower is stronger | — | $15.0M |
| Stockholders' EquityBook value | $603.2M | $239.7M |
| Total Assets | $5.6B | $340.0M |
| Debt / EquityLower = less leverage | — | 0.06× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $161.8M | — | ||
| Q4 25 | — | $22.6M | ||
| Q3 25 | — | $5.1M | ||
| Q2 25 | — | $4.3M | ||
| Q1 25 | — | $5.1M | ||
| Q4 24 | — | $1.6M | ||
| Q3 24 | — | $7.2M | ||
| Q2 24 | — | $6.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | $15.0M | ||
| Q3 25 | — | $14.3M | ||
| Q2 25 | — | $23.5M | ||
| Q1 25 | — | $13.7M | ||
| Q4 24 | — | $14.7M | ||
| Q3 24 | — | $15.7M | ||
| Q2 24 | — | $17.1M |
| Q1 26 | $603.2M | — | ||
| Q4 25 | $591.5M | $239.7M | ||
| Q3 25 | $571.9M | $239.9M | ||
| Q2 25 | $548.4M | $240.5M | ||
| Q1 25 | $532.9M | $219.9M | ||
| Q4 24 | $516.7M | $243.8M | ||
| Q3 24 | $516.2M | $243.6M | ||
| Q2 24 | $278.4M | $242.9M |
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.5B | $340.0M | ||
| Q3 25 | $5.5B | $343.1M | ||
| Q2 25 | $5.4B | $345.8M | ||
| Q1 25 | $5.4B | $326.9M | ||
| Q4 24 | $5.4B | $341.5M | ||
| Q3 24 | $5.5B | $335.8M | ||
| Q2 24 | $3.2B | $341.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.06× | ||
| Q3 25 | — | 0.06× | ||
| Q2 25 | — | 0.10× | ||
| Q1 25 | — | 0.06× | ||
| Q4 24 | — | 0.06× | ||
| Q3 24 | — | 0.06× | ||
| Q2 24 | — | 0.07× |
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 | — | $22.4M |
| Free Cash FlowOCF − Capex | — | $20.4M |
| FCF MarginFCF / Revenue | — | 23.7% |
| Capex IntensityCapex / Revenue | — | 2.3% |
| Cash ConversionOCF / Net Profit | — | 18.99× |
| TTM Free Cash FlowTrailing 4 quarters | — | $32.5M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $74.7M | $22.4M | ||
| Q3 25 | $22.8M | $18.2M | ||
| Q2 25 | $24.5M | $-5.1M | ||
| Q1 25 | $11.0M | $8.7M | ||
| Q4 24 | $35.0M | $1.0M | ||
| Q3 24 | $7.5M | $5.8M | ||
| Q2 24 | $6.4M | $14.9M |
| Q1 26 | — | — | ||
| Q4 25 | $70.5M | $20.4M | ||
| Q3 25 | $22.3M | $14.8M | ||
| Q2 25 | $23.7M | $-7.8M | ||
| Q1 25 | $8.6M | $5.2M | ||
| Q4 24 | $33.4M | $-840.0K | ||
| Q3 24 | $7.1M | $3.7M | ||
| Q2 24 | $6.4M | $13.5M |
| Q1 26 | — | — | ||
| Q4 25 | 108.6% | 23.7% | ||
| Q3 25 | 34.7% | 15.9% | ||
| Q2 25 | 37.9% | -9.1% | ||
| Q1 25 | 14.3% | 7.9% | ||
| Q4 24 | 54.0% | -0.9% | ||
| Q3 24 | 11.1% | 5.8% | ||
| Q2 24 | 19.2% | 18.3% |
| Q1 26 | — | — | ||
| Q4 25 | 6.5% | 2.3% | ||
| Q3 25 | 0.8% | 3.6% | ||
| Q2 25 | 1.3% | 3.1% | ||
| Q1 25 | 3.8% | 5.4% | ||
| Q4 24 | 2.6% | 2.1% | ||
| Q3 24 | 0.6% | 3.4% | ||
| Q2 24 | 0.1% | 1.8% |
| Q1 26 | — | — | ||
| Q4 25 | 3.48× | 18.99× | ||
| Q3 25 | 1.04× | 6.05× | ||
| Q2 25 | 1.26× | -0.24× | ||
| Q1 25 | 0.61× | — | ||
| Q4 24 | 2.55× | 0.28× | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.83× | — |
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% |
SND
| Sand | $85.1M | 99% |
| Smart Systems Segment | $980.0K | 1% |
