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Orrstown Financial Services (ORRF) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Orrstown Financial Services (ORRF) Q3 2026 earnings results →
Q3 2026 Revenue up 4% year over year to $66.7M · 34¢ of every $1 of revenue kept as net profit · operating margin 42.5%
Orrstown Financial Services made $66.7M in Q3 2026 (+4% Y/Y): Net interest income $53.3M, Noninterest income $13.4M. Operating margin 42.5%, net earnings $22.8M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $66.7M in Q3 2026, up 4% year over year and up 6% from the previous quarter. Net interest income was the largest line at 80% of revenue. Net interest income added $2.3M year over year (up 5%), 100% of the total change.
Operating profit was $28.3M, a 42.5% margin (down 0.5 points year over year). Of the extra revenue versus a year earlier, 28% reached operating profit, below the 43% margin then. Total costs grew 5% against revenue growth of 4%. The fastest-growing cost line was Credit loss provision (+184%). Net earnings were $22.8M, up 4% year over year. The effective tax rate was 19.4%.
Operating cash flow was −$3.3M. Non-cash charges added back $3.4M of depreciation and amortization and $1.1M of share-based compensation. Working capital and other items used $30.6M. Capital expenditures of $651K exceeded it, leaving free cash flow of −$3.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $66.7M | +4% | 42.5% | $22.8M | −$3.3M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Orrstown Financial Services
With $5.6 billion in assets, Orrstown Financial Services, Inc. and its wholly-owned subsidiary, Orrstown Bank, provide a wide range of consumer and business financial services in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry and York Counties, Pennsylvania and Anne Arundel, Baltimore, Harford, Howard, and Washington Counties, Maryland, as well as Baltimore City, Maryland. The Company’s lending area also includes counties in Pennsylvania, Maryland, Delaware, Virginia and West Virginia within a 75-mile radius of the Company's executive and administrative offices as well as the District of Columbia. Orrstown Bank is an Equal Housing Lender and its deposits are insured up to the legal maximum by the FDIC. Orrstown Financial Services, Inc.’s common stock is traded on Nasdaq (ORRF). For more information about Orrstown Financial Services, Inc. and Orrstown Bank, visit www.orrstown.com.
In its own words, from its 8-K, filed Jul 22, 2026.
Orrstown Financial Services against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +4% against the peers' median +8%. Operating margin: 42.5% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ORRF Orrstown Financial Services | Q3 2026 | $66.7M | +4% | 42.5% |
| DB Deutsche Bank Aktiengesellschaft | Q3 2026 | $6.1B | -31% | -7.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
Source: Orrstown Financial Services 10-Q on SEC EDGAR · CIK 826154 · State Commercial Banks
Guidance and outlook
13F: who owns ORRF and who is buying
More on ORRF
History
Every quarter: Q3 2026 results