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Orrstown Financial Services Inc (ORRF)
NASDAQ:ORRF
Earnings Data
Report Date
Apr 28, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1Last Year’s EPS
1Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call was broadly positive: management reported record annual and strong quarterly earnings, solid loan growth and fee-income expansion, improved capital metrics, low credit losses, and strategic repositioning of the investment portfolio. Headwinds include quarter-to-quarter NIM compression driven by lower variable loan yields and deposit pricing lag, slightly elevated operating expenses due to targeted talent investments, flat deposit balances, and localized credit stress that increased non-accruals. Management presented conservative but constructive guidance and emphasized optionality in capital deployment.Company Guidance
Record Annual Net Income
Reported highest annual net income in company history of $80.9 million, or $4.18 per diluted share; annual ROE 14.76% and ROA 1.49%.
Strong Quarterly Earnings
Fourth quarter net income of $21.5 million, or $1.11 per diluted share; quarterly ROA 1.55% and ROE 14.7%.
Healthy Net Interest Margin and Guidance
Reported net interest margin of 4.04% (4.00% in Q4 vs 4.11% in Q3); management projects 2026 NIM in the 3.90%–4.00% range and expects core margin to stabilize.
Fee and Noninterest Income Growth
Annual fee income $52.3 million (21% of operating income). Q4 noninterest income $14.4 million (up from $13.4M prior quarter); noninterest income represented ~22% of operating revenue in Q4 and the third straight quarter above 20%.
Loan Growth and Robust Pipeline
Loans grew 4% in the quarter with $207 million of loan production; management expects 2026 loan growth of 5% or better and describes a strong pipeline and middle-market traction.
Solid Credit Metrics and Low Losses
Minimal provision expense (~$0.075–$0.1 million) in Q4, net charge-offs of $0.5 million, allowance for credit losses at 1.19% (vs 1.21% prior quarter), and classified loans decreased by $5.7 million quarter‑to‑quarter.
Capital Build and Shareholder Returns
Capital ratios increased quarter-to-quarter; tangible common equity (TCE) ~9% and tangible book value per share growing. Board increased quarterly dividend by $0.03 to $0.30 (11.1% increase quarter-over-quarter; dividend up 50% since merger).
Strategic Investment Portfolio Actions
Purchased $125 million of Agency MBS and CMO (average yield on purchases ~4.92%) and sold ~$42 million of securities to address asset sensitivity; investment portfolio yield 4.58% (down from 4.67%) and positioned to generate earnings as rates decline.
Ongoing Talent Investments and Business Expansion
Hired a Chief Wealth Officer and expanded middle-market lending team; management emphasized investments in wealth, merchant services (now ~17% of treasury management revenue), CRM/technology and recruitment to drive future fee and loan growth.
ORRF Earnings History
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 |
|---|---|---|---|
Jan 27, 2026 | $35.78 | $34.31 | -4.13% |
Oct 21, 2025 | $32.86 | $34.29 | +4.37% |
Jul 22, 2025 | $33.10 | $35.64 | +7.67% |
Apr 22, 2025 | $26.72 | $27.40 | +2.53% |
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 Inc (ORRF) report earnings?
Orrstown Financial Services Inc (ORRF) is schdueled to report earning on Apr 28, 2026, After Close (Confirmed).
What is Orrstown Financial Services Inc (ORRF) earnings time?
Orrstown Financial Services Inc (ORRF) earnings time is at Apr 28, 2026, 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 2026 (Q1) is 1.