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.
ORRF Q1 FY2026 Key Financial Metrics
Revenue
$64.6M
Gross Profit
N/A
Operating Profit
N/A
Net Profit
$21.8M
Gross Margin
N/A
Operating Margin
N/A
Net Margin
33.8%
YoY Growth
N/A
EPS
$1.12
ORRSTOWN FINANCIAL SERVICES INC Q1 FY2026 Financial Summary
ORRSTOWN FINANCIAL SERVICES INC reported revenue of $64.6M for Q1 FY2026, with a net profit of $21.8M (up 19.1% YoY) (33.8% margin).
Key Financial Metrics
| Total Revenue | $64.6M |
|---|---|
| Net Profit | $21.8M |
| Gross Margin | N/A |
| Operating Margin | N/A |
| Report Period | Q1 FY2026 |
Revenue Breakdown
ORRSTOWN FINANCIAL SERVICES INC Q1 FY2026 revenue of $64.6M breaks down across 2 segments, led by Net Interest Income at $49.0M (75.9% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Net Interest Income | $49.0M | 75.9% |
| Noninterest Income | $15.6M | 24.1% |
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).
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 |