The earnings call highlighted strong financial performance with improvements in core earnings, net interest margin, and fee income. Capital ratios and credit quality also showed positive trends. However, there were concerns about competitive lending environments, lingering merger-related expenses, and potential impacts from interest rate changes.

Company Guidance

During the Orrstown Financial Services, Inc. second quarter 2025 earnings call, several key financial metrics and strategic insights were highlighted. The company reported a return on average assets of 1.51% and a return on average equity of 15.12%, reflecting an improvement from the previous quarter's figures of 1.45% and 14.97%, respectively. The net interest margin increased to 4.07% from 4.00% in the prior quarter. Fee income represented 21% of operating revenue, with noninterest income rising by $1.3 million quarter-over-quarter. Expenses were noted to be slightly elevated due to merger-related activities, but the efficiency ratio improved to 58.7% from 60.5%. Loan growth was modest, with an annualized increase of 6%, and nonaccrual loans decreased to 0.57% of total loans. Capital ratios strengthened, and a new share repurchase program was authorized. The company also increased its quarterly dividend by $0.01 to $0.27 per share, marking the third increase in the past year.

Strong Core Earnings and Financial Metrics

Excluding merger-related charges, return on average assets was 1.51%, and return on average equity was 15.12% for Q2 2025, compared to 1.45% and 14.97%, respectively, in Q1 2025.

Net Interest Margin Increase

Net interest margin increased to 4.07% in Q2 2025 from 4.00% in Q1 2025, with further upside potential.

Improvement in Fee Income

Fee income as a percentage of operating revenue improved to 21% during the quarter, with noninterest income increasing by $1.3 million quarter-to-quarter.

Efficiency Ratio Improvement

Excluding merger-related expenses, the efficiency ratio improved to 58.7% for Q2 2025 from 60.5% in Q1 2025.

Shareholder Value Initiatives

Authorized a share repurchase program of up to 500,000 shares. Increased quarterly dividend from $0.26 to $0.27 per share, marking the third increase in the past year.

Strong Loan Pipeline and Commercial Lending

The loan pipeline is strong, the highest since the merger, reflecting regional economic strength and new talent in the team.

Capital and Credit Quality

Capital ratios increased across the board. Nonaccrual loans to total loans decreased to 0.57% for Q2 2025 from 0.59% in Q1 2025.

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

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ORRF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	1.05 / -	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	$33.63	$36.21	+7.67%
Apr 22, 2025	$27.14	$27.83	+2.54%
Jan 31, 2025	$35.72	$35.45	-0.76%
Oct 22, 2024	$35.29	$36.42	+3.20%

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 Oct 28, 2025, After Close (Confirmed).

What is Orrstown Financial Services Inc (ORRF) earnings time?

Orrstown Financial Services Inc (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 1.05.

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