ORRSTOWN FINANCIAL SERVICES INCORRFEarnings & Financial Report
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.
Revenue
$64.9M
Gross Profit
N/A
Operating Profit
$27.5M
Net Profit
$21.5M
Gross Margin
N/A
Operating Margin
42.3%
Net Margin
33.1%
YoY Growth
5.0%
EPS
$1.11
ORRSTOWN FINANCIAL SERVICES INC Q4 FY2025 Financial Summary
ORRSTOWN FINANCIAL SERVICES INC reported revenue of $64.9M (up 5.0% YoY) for Q4 FY2025, with a net profit of $21.5M (up 57.1% YoY) (33.1% margin).
Key Financial Metrics
| Total Revenue | $64.9M |
|---|---|
| Net Profit | $21.5M |
| Gross Margin | N/A |
| Operating Margin | 42.3% |
| Report Period | Q4 FY2025 |
Revenue Breakdown
ORRSTOWN FINANCIAL SERVICES INC Q4 FY2025 revenue of $64.9M breaks down across 4 segments, led by Other at $34.5M (53.1% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Other | $34.5M | 53.1% |
| Products And Services Trust And Investment Management Income | $15.0M | 23.1% |
| Products And Services Service Charges On Deposits | $8.5M | 13.1% |
| Products And Services Merchant And Bankcard Fees Interchange Income | $7.0M | 10.7% |
ORRSTOWN FINANCIAL SERVICES INC Annual Revenue by Year
ORRSTOWN FINANCIAL SERVICES INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $252.1M).
| Year | Annual Revenue |
|---|---|
| 2025 | $252.1M |
| 2024 | $192.7M |
ORRSTOWN FINANCIAL SERVICES INC Quarterly Revenue & Net Profit History
ORRSTOWN FINANCIAL SERVICES INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q1 FY2026 | $64.6M | — | $21.8M | 33.8% |
| Q4 FY2025 | $64.9M | +5.0% | $21.5M | 33.1% |
| Q3 FY2025 | $64.4M | +0.4% | $21.9M | 34.0% |
| Q2 FY2025 | $62.4M | +87.6% | $19.4M | 31.2% |
| Q1 FY2025 | $60.4M | +80.2% | $18.1M | 29.9% |
| Q4 FY2024 | $61.8M | +90.2% | $13.7M | 22.1% |
| Q3 FY2024 | $64.1M | +99.4% | $-7.9M | -12.3% |
| Q2 FY2024 | $33.3M | -0.8% | $7.7M | 23.3% |
Income Statement
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $33.3M | $64.1M | $61.8M | $60.4M | $62.4M | $64.4M | $64.9M | $64.6M |
| YoY Growth | -0.8% | 99.4% | 90.2% | 80.2% | 87.6% | 0.4% | 5.0% | N/A |
Balance Sheet
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $3.20B | $5.47B | $5.44B | $5.44B | $5.39B | $5.47B | $5.54B | $5.58B |
| Liabilities | $2.92B | $4.95B | $4.92B | $4.91B | $4.84B | $4.90B | $4.95B | $4.97B |
| Equity | $278.4M | $516.2M | $516.7M | $532.9M | $548.4M | $571.9M | $591.5M | $603.2M |
Cash Flow
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|
| Operating CF | $6.4M | $7.5M | $35.0M | $11.0M | $24.5M | $22.8M | $74.7M |