The earnings call highlights a strong financial performance with improved earnings and net interest margin, significant fee income growth, and a robust loan pipeline. However, there are some challenges with elevated merger-related expenses and a decline in deposits. Overall, the positive aspects significantly outweigh the lowlights.

Company Guidance -

Q3 2025

During the Orrstown Financial Services, Inc. Second Quarter 2025 Earnings Conference Call, the company provided an optimistic outlook for future financial performance, highlighting several key metrics. Excluding merger-related charges, the return on average assets was 1.51% and return on average equity was 15.12%, both showing improvement from the first quarter of 2025. The net interest margin increased to 4.07%, up from 4% in the previous quarter. Fee income, a core strength, represented 21% of operating revenue, driven by a $1.3 million increase in noninterest income quarter-to-quarter. The efficiency ratio improved to 58.7% from 60.5% in the first quarter, with expectations for further expense reductions. Loan growth was reported at 6% on an annualized basis, with commercial loan growth at 2%. Nonaccrual loans to total loans slightly decreased from 0.59% to 0.57%. The company's capital ratios saw an increase, and a share repurchase program was authorized for up to 500,000 shares. Additionally, the board increased the quarterly dividend by $0.01 to $0.27 per share, marking the third dividend increase within a year.

Strong Financial Performance

GAAP earnings were strong with core earnings continuing to increase. Excluding merger-related charges, return on average assets was 1.51%, and return on average equity was 15.12% for Q2 2025, up from 1.45% and 14.97% in Q1 2025.

Net Interest Margin Improvement

Net interest margin increased to 4.07% in Q2 2025 from 4% in Q1 2025, with potential for further upside as loan growth is expected to accelerate.

Fee Income Growth

Fee income increased by $1.3 million quarter-to-quarter, accounting for 21% of operating revenue.

Positive Loan Growth

Total loan growth was 6% annualized for the quarter. The loan pipeline is currently the strongest it has been since the merger.

Decreased Nonaccrual Loans

Nonaccrual loans decreased from 0.59% in Q1 2025 to 0.57% in Q2 2025.

Dividend Increase

The board voted to increase the quarterly dividend by $0.01 per share, which is the third increase in the past year, marking a 35% increase since the merger.

Orrstown Financial Services (ORRF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

ORRF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	1.06 / -	1.11	―	―	―
Jul 22, 2025	2025 (Q2)	0.98 / 1.04	0.83	25.30% (+0.21)
Apr 22, 2025	2025 (Q1)	0.93 / 1.00	0.88	13.64% (+0.12)
Jan 31, 2025	2024 (Q4)	1.03 / 0.87	0.83	4.82% (+0.04)	―	―
Oct 22, 2024	2024 (Q3)	0.92 / 1.11	0.87	27.59% (+0.24)	―	―
Jul 23, 2024	2024 (Q2)	0.73 / 0.83	0.94	-11.70% (-0.11)	―	―
Apr 23, 2024	2024 (Q1)	0.73 / 0.88	0.87	1.15% (+0.01)	―	―
Jan 23, 2024	2023 (Q4)	0.80 / 0.83	0.91	-8.79% (-0.08)	―	―
Oct 24, 2023	2023 (Q3)	0.81 / 0.87	0.75	16.00% (+0.12)	―	―
Jul 25, 2023	2023 (Q2)	0.79 / 0.94	0.83	13.25% (+0.11)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

ORRF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 22, 2025	$33.91	$36.51	+7.67%
Apr 22, 2025	$27.37	$28.07	+2.56%
Jan 31, 2025	$36.02	$35.75	-0.75%
Oct 22, 2024	$35.59	$36.72	+3.18%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Orrstown Financial Services (ORRF) report earnings?

Orrstown Financial Services (ORRF) is schdueled to report earning on Oct 28, 2025, After Close (Confirmed).

What is Orrstown Financial Services (ORRF) earnings time?

Orrstown Financial Services (ORRF) earnings time is at Oct 28, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is ORRF EPS forecast?

ORRF EPS forecast for the fiscal quarter 2025 (Q3) is 1.06.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing