Earnings summaries and quarterly performance for ORRSTOWN FINANCIAL SERVICES.
Executive leadership at ORRSTOWN FINANCIAL SERVICES.
Thomas R. Quinn, Jr.
Detailed
President and Chief Executive Officer
CEO
AL
Adam L. Metz
Detailed
Senior Executive Vice President and Chief Operating Officer
AL
Amy L. Doll
Detailed
Executive Vice President and Chief Administrative Officer
BH
Benjamin H. Colvard, IV
Detailed
Executive Vice President and Chief Operations Officer
CJ
Christopher J. Orr
Detailed
Executive Vice President and Chief Information Officer
DM
David M. Chajkowski
Detailed
Executive Vice President and Chief Credit Officer
HK
Heather K. Knisely
Detailed
Executive Vice President and Chief Human Resources Officer
JS
Jeffrey S. Gayman
Detailed
Executive Vice President, Chief Mortgage and Retail Officer
MD
Matthew Dyckman
Detailed
Executive Vice President and General Counsel
ME
Michael E. Jaeger
Detailed
Executive Vice President and Chief Experience Officer
NK
Neelesh Kalani
Detailed
Executive Vice President and Chief Financial Officer
PE
Philip E. Fague
Detailed
Executive Vice President and Chief Trust Officer
RG
Robert G. Coradi
Detailed
Executive Vice President and Chief Risk Officer; Secretary
Board of directors at ORRSTOWN FINANCIAL SERVICES.
BE
Barbara E. Brobst
Detailed
Director
BD
Brian D. Brunner
Detailed
Director
CJ
Cindy J. Joiner
Detailed
Director; Audit Committee Chair
EA
Eric A. Segal
Detailed
Director; Asset-Liability Committee Chair
GW
Glenn W. Snoke
Detailed
Director; Nominating and Governance Committee Chair
JR
J. Rodney Messick
Detailed
Vice Chairman
JR
Joel R. Zullinger
Detailed
Chairman of the Board
JW
John W. Giambalvo
Detailed
Director; Compensation Committee Chair
MK
Mark K. Keller
Detailed
Director
MJ
Michael J. Rice
Detailed
Director
SM
Sarah M. Brown
Detailed
Director
SV
Scott V. Fainor
Detailed
Director; Enterprise Risk Management Committee Chair
Research analysts who have asked questions during ORRSTOWN FINANCIAL SERVICES earnings calls.
Gregory Zingone
Piper Sandler
5 questions for ORRF
Also covers: BHLB, EBC, MCB
Timothy Switzer
KBW
4 questions for ORRF
Also covers: CASH, CIVB, CNOB +14 more
David Long
Raymond James Financial, Inc.
3 questions for ORRF
Also covers: ALRS, BY, EFSC +10 more
DC
Daniel Cardenas
Janney Montgomery Scott LLC
2 questions for ORRF
Also covers: CAC, CIVB, FCF +4 more
Kyle Gierman
Hovde Group
2 questions for ORRF
Also covers: FULT, NWBI, UCB
TS
Tim Switzer
Keefe, Bruyette & Woods (KBW)
2 questions for ORRF
Also covers: CASH, CIVB, CNOB +12 more
DC
Dan Cardenas
Janney Montgomery Scott
1 question for ORRF
Also covers: FCF, NWBI, PEBO
JS
John Schneider
Hovde Group
1 question for ORRF
Recent press releases and 8-K filings for ORRF.
ORRF Announces Strong Q4 2025 Earnings and 2026 Guidance
ORRF
Earnings
Guidance Update
Dividends
- ORRF reported Net Income of $21.5 million and Diluted EPS of $1.11 for Q4 2025.
- The company achieved solid loan growth for the quarter, with loans held for investment increasing by $41.0 million or 4% annualized, and maintained strong credit quality.
- Net interest income marginally declined to $50.5 million due to reduced short-term interest rates, resulting in a net interest margin of 4.00%, while non-interest income increased by $1.0 million to $14.4 million.
- ORRF's capital ratios remain strong, with the Total Company Total Risk Based Capital Ratio at 13.3% in Q4 2025, exceeding regulatory minimums.
- For 2026, ORRF provided guidance including 5.0% annualized loan growth, a margin range of 3.90% to 4.00%, and annualized non-interest income between $53.0 million and $55.0 million.
Jan 28, 2026, 2:00 PM
Orrstown Financial Services Reports Record Annual Net Income and Increases Dividend
ORRF
Earnings
Dividends
Guidance Update
- Orrstown Financial Services reported its highest annual net income in 106 years at $80.9 million, or $4.18 per diluted share, for the full year 2025, with Q4 2025 net income at $21.5 million, or $1.11 per diluted share.
- The net interest margin (NIM) for Q4 2025 was 4.00%, with a projected range of 3.90%-4% for 2026. Non-interest income grew to $14.4 million in Q4 2025, contributing over 22% of total revenues.
- The company increased its quarterly dividend by $0.03 to $0.30 per share, representing a 50% increase since the merger date and the fourth increase in 18 months.
- Loan growth was 4% in Q4 2025, and the company anticipates achieving loan growth of 5% or better in 2026.
- Credit quality remained strong, with a minimal provision expense of $0.1 million and net charge-offs of $0.5 million in Q4 2025.
Jan 28, 2026, 2:00 PM
Orrstown Financial Services Reports Record Annual Net Income and Increases Dividend in Q4 2025
ORRF
Earnings
Dividends
Guidance Update
- Orrstown Financial Services achieved its highest reported annual net income in its 106-year history, reaching $80.9 million or $4.18 per diluted share for the full year 2025, with Q4 2025 net income at $21.5 million or $1.11 per diluted share.
- The board approved an increase in the quarterly dividend by $0.03 per share, raising it from $0.27 to $0.30 per share, marking the fourth dividend increase in the past 18 months.
- The net interest margin for Q4 2025 was 4.00%, and management projects a net interest margin in the range of 3.90%-4% for 2026, alongside anticipated loan growth of 5% or better.
- Strategic investments included the purchase of $125 million in Agency MBS and CMOs at an average yield of 4.92% in Q4 2025, and a continued focus on investing in talent, particularly in wealth management and lending, to drive future growth.
Jan 28, 2026, 2:00 PM
Orrstown Financial Services Reports Record Annual Net Income for 2025 and Provides 2026 Outlook
ORRF
Earnings
Guidance Update
Dividends
- Orrstown Financial Services achieved the highest reported annual net income in its 106-year history for fiscal year 2025, reaching $80.9 million, or $4.18 per diluted share, with a return on average equity of 14.76% and return on average assets of 1.49%.
- For the fourth quarter of 2025, net income was $21.5 million, or $1.11 per diluted share, with a net interest margin of 4.00% and non-interest income contributing 22% of total operating revenue.
- The company projects a net interest margin in the range of 3.90%-4% for 2026, with quarterly non-interest income expected to be between $13 million and $14 million, and anticipates loan growth of 5% or better in 2026.
- Orrstown's board voted to increase the quarterly dividend by $0.03 per share from $0.27 to $0.30 per share, marking the fourth dividend increase in the past 18 months, while maintaining strong credit quality with an allowance for credit losses on loans at 1.19% at December 31, 2025.
Jan 28, 2026, 2:00 PM
Orrstown Financial Services, Inc. Reports Strong Full-Year 2025 Results and Announces Dividend Increase
ORRF
Earnings
Dividends
Revenue Acceleration/Inflection
- For the full year ended December 31, 2025, Orrstown Financial Services, Inc. reported net income of $80.9 million and diluted earnings per share of $4.18, a substantial increase from $22.1 million and $1.48 respectively, for the year ended December 31, 2024.
- For the fourth quarter of 2025, net income was $21.5 million, or $1.11 per diluted share.
- The Board of Directors declared a cash dividend of $0.30 per common share, representing a $0.03 per share increase in the Company's quarterly cash dividend.
- Total loans increased by $41.0 million to $4.0 billion at December 31, 2025, an approximate 4% annualized growth from September 30, 2025.
- Tangible book value per common share increased to $25.21 at December 31, 2025, from $24.12 at September 30, 2025, and the Tier 1 leverage ratio increased to 9.5% at December 31, 2025, with all capital ratios above regulatory minimums.
Jan 28, 2026, 12:59 PM
Orrstown Financial Services Reports Fourth Quarter and Full Year 2025 Results and Announces Dividend Increase
ORRF
Earnings
Dividends
- Orrstown Financial Services reported net income of $21.5 million and diluted earnings per share of $1.11 for the three months ended December 31, 2025.
- For the full year ended December 31, 2025, the company achieved its highest reported annual net income of $80.9 million and diluted earnings per share of $4.18.
- The Board of Directors declared a cash dividend of $0.30 per common share, representing a $0.03 per share increase.
- Total loans increased by $41.0 million from September 30, 2025, to December 31, 2025.
- Tangible book value per common share increased to $25.21 at December 31, 2025, from $24.12 at September 30, 2025.
Jan 27, 2026, 9:17 PM
ORRF Announces Strong Q3 2025 Financial Results and Provides 2026 Guidance
ORRF
Earnings
Guidance Update
- For Q3 2025, ORRF reported Net Income of $21.9 million and Diluted EPS of $1.13. The company achieved an annualized Return on Average Assets (ROAA) of 1.60% and Return on Average Equity (ROAE) of 15.72%.
- The Net Interest Margin improved to 4.11% in Q3 2025, a four basis point increase from the prior quarter, contributing to Net Interest Income of $51.0 million.
- Non-Interest Income rose to $13.4 million, while Non-Interest Expenses decreased to $36.3 million, resulting in an improved Efficiency Ratio of 56.4% for Q3 2025.
- Total Loans reached $3,980 million and Deposits totaled $4,534 million at the end of Q3 2025, with a loan-to-deposit ratio of 88%.
- ORRF provided guidance through 2026, projecting annualized loan growth of 5.0% and a Net Interest Margin in the range of 4.00% to 4.15%.
Oct 22, 2025, 1:00 PM
Orestown Financial Services Inc. Reports Strong Q3 2025 Earnings
ORRF
Earnings
Guidance Update
Demand Weakening
- Orestown Financial Services Inc. (ORRF) reported record diluted EPS of $1.13 and net income of $21,900,000 for Q3 2025.
- The company achieved 4.9% annualized loan growth in Q3 2025, with the net interest margin (NIM) improving to 4.11% from 4.07% in the previous quarter.
- Non-interest expense declined by $1,300,000 quarter-over-quarter, leading to an improved efficiency ratio of 56.4% from 60.3%.
- Classified loans decreased by $1,700,000 to $64,100,000, though non-accrual loans increased by $3,800,000 to $26,200,000.
- Management projects the NIM to be in the 4.00% to 4.15% range going forward, anticipating potential contraction due to expected rate cuts, which they aim to mitigate through pricing strategies.
Oct 22, 2025, 1:00 PM
Orrstown Financial Services Reports Strong Q3 2025 Results and Provides Outlook
ORRF
Earnings
Guidance Update
- Orrstown Financial Services reported diluted EPS of $1.13 for Q3 2025, with a return on assets of 1.60% and return on equity of nearly 16%. The company also saw non-interest expense decline by $1.3 million quarter-over-quarter, leading to an improved efficiency ratio of 56.4%.
- The company achieved 4.9% annualized loan growth in Q3 2025, with net interest margin (NIM) increasing to 4.11% from 4.07% in the prior quarter.
- Credit quality remains sound, with nominal net charge-offs and classified loans decreasing by $1.7 million to $64.1 million. Non-accrual loans increased by $3.8 million to $26.2 million, primarily due to one commercial construction and development relationship.
- Management expects the NIM to remain in the 4.0% to 4.15% range despite potential rate cuts, due to proactive deposit pricing adjustments and competitive loan pricing. The company also provided an early 5% loan growth guide for next year, focusing on CRE and C&I segments.
Oct 22, 2025, 1:00 PM
Orrstown Financial Services, Inc. Reports Strong Third Quarter 2025 Results
ORRF
Earnings
Debt Issuance
Dividends
- Orrstown Financial Services, Inc. reported net income of $21.9 million and diluted earnings per share of $1.13 for the three months ended September 30, 2025, which the CEO noted as the strongest quarter of earnings on record.
- The company's profitability metrics improved, with return on average assets at 1.60% and return on average equity at 15.72% for the third quarter of 2025, and the efficiency ratio decreased to 56.4%.
- Loans increased by $48.4 million to $4.0 billion at September 30, 2025, and deposits grew by $16.9 million to $4.5 billion.
- Orrstown redeemed $32.5 million in subordinated notes on September 30, 2025, while maintaining strong capital ratios, with tangible common equity at 8.8% and a Tier 1 leverage ratio of 9.3% at quarter-end.
- The Board of Directors declared a cash dividend of $0.27 per common share, payable November 12, 2025.
Oct 22, 2025, 12:12 PM
Quarterly earnings call transcripts for ORRSTOWN FINANCIAL SERVICES.
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