ORRF
Orrstown Financial·NASDAQ
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ORRF fundamentals
Orrstown Financial (ORRF) released its earnings on Oct 22, 2025: revenue was 64.37M (YoY +24.51%), beat estimates; EPS was 1.13 (YoY +1.80%), beat estimates.
Revenue / YoY
64.37M
+24.51%
EPS / YoY
1.13
+1.80%
Report date
Oct 22, 2025
ORRF Earnings Call Summary for Q3,2025
- Record financial performance: Q3 net income of $21.9 million, EPS of $1.13, and ROE of 15.7%, near top of peer group.
- Resilient NIM: 4.11% despite rate cuts, with plans to maintain margin through competitive pricing and deposit cost reductions.
- Fee income strength: 20.8% of revenue, with mortgage and wealth management growth offsetting volatility.
- Credit quality: Nominal charge-offs, classified loans down $1.7 million, but nonaccruals up due to one large construction portfolio.
- Strategic moves: Subordinated debt redemption reduces interest expense, and relationship banking model mitigates competitive pressure.
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Key Indicators
Orrstown Financial (ORRF) key financial stats and ratios, covering profitability, financial health, and leverage.
Orrstown Financial (ORRF)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Orrstown Financial (ORRF)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Orrstown Financial (ORRF)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Orrstown Financial (ORRF) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Orrstown Financial (ORRF) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What were the key takeaways from Orrstown Financial’s earnings call?What is Orrstown Financial's latest dividend and current dividend yield?What is the market's earnings forecast for Orrstown Financial next quarter?What does Orrstown Financial do and what are its main business segments?What is Orrstown Financial's gross profit margin?What is the revenue and EPS growth rate for Orrstown Financial year over year?What were the key takeaways from Orrstown Financial's earnings call?What guidance did Orrstown Financial's management provide for the next earnings period?
