Orrstown Financial Services, Inc. (ORRF)

Orrstown Financial Services Inc (NASDAQ: ORRF - Get Free Report)'s stock price passed above its two hundred day moving average during trading on Friday. The stock has a two hundred day moving average of $35.23 and traded as high as $38.16. Orrstown Financial Services shares last traded at $38.08, with a volume of 290,319 shares

Orrstown Financial Services (NASDAQ: ORRF) used its fourth-quarter 2025 earnings call to highlight record full-year profitability, continued fee-income growth, and a capital position the company said provides flexibility as it invests in talent and balances margin pressure from recent rate cuts. Record full-year earnings and strong fourth-quarter results President and CEO Tom Quinn said the company

Orrstown Financial Services, Inc. (ORRF) Q4 2025 Earnings Call Transcript

Although the revenue and EPS for Orrstown (ORRF) give a sense of how its business performed in the quarter ended December 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Orrstown Financial Services (ORRF) came out with quarterly earnings of $1.11 per share, beating the Zacks Consensus Estimate of $1.08 per share. This compares to earnings of $0.87 per share a year ago.

Net income of $21.5 million, or $1.11 per diluted earnings per share, for the three months ended December 31, 2025 compared to net income of $21.9 million, or $1.13 per diluted earnings per share, for the three months ended September 30, 2025; Net income of $80.9 million and diluted earnings per share of $4.18 for the year ended December 31, 2025 compared to net income of $22.1 million and diluted earnings per share of $1.48 for the year ended December 31, 2024; Adjusted net income and diluted earnings per share totaled $82.9 million(1) and $4.28(1), respectively, for the year ended December 31, 2025 compared to $56.1 million(1) and $3.76(1), respectively, for the year ended December 31, 2024 (excluding certain previously disclosed non-recurring expenses for both periods); Return on average assets was 1.55% and return on average equity was 14.73% for the three months ended December 31, 2025, compared to 1.60% and 15.72%, respectively, for the three months ended September 30, 2025; Net interest margin, on a tax equivalent basis, was 4.00% in the fourth quarter of 2025 compared to 4.11% in the third quarter of 2025; the net accretion impact of purchase accounting marks was 46 basis points in the fourth quarter of 2025 compared to 52 basis points in the third quarter of 2025; Total loans increased by $41.0 million, or approximately 4% annualized, from September 30, 2025 to December 31, 2025; classified loans decreased by $5.7 million from $64.1 million at September 30, 2025 to $58.4 million at December 31, 2025; Noninterest income increased by $1.0 million from $13.4 million for the three months ended September 30, 2025 to $14.4 million for the three months ended December 31, 2025; increase driven by wealth management and swap fee growth; Noninterest expenses increased by $1.1 million from $36.3 million for the three months ended September 30, 2025 to $37.4 million for the three months ended December 31, 2025 due primarily to increased health care and professional service costs; Tangible common equity increased to 9.0% at December 31, 2025 from 8.8% at September 30, 2025; Tangible book value per common share(1) increased to $25.21 per share at December 31, 2025 from $24.12 per share at September 30, 2025 and The Board of Directors declared a cash dividend of $0.30 per common share, payable February 17, 2026, to shareholders of record as of February 10, 2026; this represents a $0.03 per share increase in the Company's quarterly cash dividend. (1) Non-GAAP measure.

Orrstown Financial Services Inc (NASDAQ: ORRF - Get Free Report)'s share price passed above its 200-day moving average during trading on Wednesday. The stock has a 200-day moving average of $34.38 and traded as high as $35.54. Orrstown Financial Services shares last traded at $35.36, with a volume of 242,890 shares changing hands. Analyst Upgrades

HARRISBURG, Pa., Jan. 06, 2026 (GLOBE NEWSWIRE) -- Orrstown Financial Advisors (OFA), a division of Orrstown Bank, is pleased to announce that Matthew Alpert joined the firm as Executive Vice President, Chief Wealth Officer, effective January 5, 2026. In this role, Mr. Alpert will lead OFA's wealth management and trust operations, driving strategic growth and delivering exceptional wealth services to clients.

Assenagon Asset Management S.A. purchased a new position in Orrstown Financial Services Inc (NASDAQ: ORRF) in the third quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The institutional investor purchased 195,055 shares of the bank's stock, valued at approximately $6,628,000. Assenagon Asset Management S.A. owned

Orrstown Financial Services (NASDAQ: ORRF - Get Free Report) and Eastern Bankshares (NASDAQ: EBC - Get Free Report) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, valuation, institutional ownership, risk, dividends, earnings and analyst recommendations. Analyst Ratings This is a summary of

Orrstown Financial Services, Inc. (NASDAQ:ORRF ) Q3 2025 Earnings Call October 22, 2025 9:00 AM EDT Company Participants Thomas Quinn - President, CEO & Director Adam Metz - Senior EVP & COO Neelesh Kalani - Executive VP, CFO & Head of Investor Relations Conference Call Participants Timothy Switzer - Keefe, Bruyette, & Woods, Inc., Research Division Gregory Zingone - Piper Sandler & Co., Research Division David Long - Raymond James & Associates, Inc., Research Division Presentation Operator Good morning. My name is Tiffany, and I will be your conference operator today.

Although the revenue and EPS for Orrstown (ORRF) give a sense of how its business performed in the quarter ended September 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Orrstown Financial Services (ORRF) came out with quarterly earnings of $1.13 per share, beating the Zacks Consensus Estimate of $1.06 per share. This compares to earnings of $1.11 per share a year ago.

Net income of $21.9 million, or $1.13 per diluted share, for the three months ended September 30, 2025 compared to net income of $19.4 million, or $1.01 per diluted share, for the three months ended June 30, 2025; excluding the impact of $1.0 million in merger-related expenses, net of taxes, net income and diluted earnings per share for the second quarter of 2025 were $20.2 million(1) and $1.04(1), respectively; Return on average assets was 1.60% and return on average equity was 15.72% for the three months ended September 30, 2025, compared to 1.45% and 14.56% for the return on average assets and return on average equity, respectively, for the three months ended June 30, 2025; Excluding the impact of the merger-related expenses referenced above, net of taxes, adjusted return on average assets and adjusted return on average equity were 1.51%(1) and 15.12%(1), respectively, for the three months ended June 30, 2025; Net interest margin, on a tax equivalent basis, was 4.11% in the third quarter of 2025 compared to 4.07% in the second quarter of 2025; the net accretion of purchase accounting marks positively impacted the margin by 52 basis points in the third quarter of 2025 compared to 50 basis points in the second quarter of 2025; Loans increased by $48.4 million, or approximately 5% annualized, from June 30, 2025 to September 30, 2025; classified loans decreased by $1.7 million from $65.8 million at June 30, 2025 to $64.1 million at September 30, 2025; Subordinated notes of $32.5 million were redeemed on September 30, 2025; as a result of the redemption, the Company amortized the remaining debt issuance costs of $0.3 million; Noninterest income increased by $0.5 million from $12.9 million for the three months ended June 30, 2025 to $13.4 million for the three months ended September 30, 2025; Noninterest expenses decreased by $1.3 million from $37.6 million for the three months ended June 30, 2025 to $36.3 million for the three months ended September 30, 2025; no merger-related expenses were incurred during the third quarter of 2025; Efficiency ratio decreased from 60.3% for the three months ended June 30, 2025 to 56.4% for the three months ended September 30, 2025; Tangible common equity increased to 8.8% at September 30, 2025 compared to 8.3% at June 30, 2025; Tangible book value per common share(1) increased to $24.12 per share at September 30, 2025 compared to $22.77 per share at June 30, 2025; The Board of Directors declared a cash dividend of $0.27 per common share, payable November 12, 2025, to shareholders of record as of November 5, 2025. (1) Non-GAAP measure.

Orrstown (ORRF) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Orrstown (ORRF) have what it takes?