Filing Flows › Orrstown Financial Services (ORRF) › Q3 2026 › vs Q3 2025
Orrstown Financial Services (ORRF) Q3 2026 vs Q3 2025 (year over year)
Orrstown Financial Services's revenue rose $2.3M (+4%) from $64.4M in Q3 2025 to $66.7M in Q3 2026. The biggest changes: Net interest income +$2.3M (+5%); Noninterest income −$4K (0%). Operating margin 42.5% against 43.0% (-0.5 pts).
Orrstown Financial Services, Q3 2026: revenue $66.7M (+4% year over year), operating margin 42.5%, net earnings $22.8M, operating cash flow −$3.3M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 42.5% | 43.0% | -0.5 pts |
| Net margin | 34.2% | 34.0% | +0.2 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $53.3M | $51.0M | $2.3M | +5% |
| Noninterest income | $13.4M | $13.4M | −$4K | 0% |
| Revenue | $66.7M | $64.4M | $2.3M | +4% |
| Operating profit | $28.3M | $27.7M | $645K | +2% |
| Costs & expenses | $38.4M | $36.7M | $1.7M | +5% |
| Pre-tax earnings | $28.3M | $27.7M | $645K | +2% |
| Credit loss provision | $1.1M | $396K | $730K | +184% |
| Noninterest expense | $37.3M | $36.3M | $1.0M | +3% |
| Net earnings | $22.8M | $21.9M | $950K | +4% |
| Income tax | $5.5M | $5.8M | −$305K | -5% |
| Operating cash sources | $30.6M | $4.1M | $26.4M | +643% |
| Depreciation & amortization | $3.4M | $3.7M | −$371K | -10% |
| Share-based compensation | $1.1M | $1.3M | −$222K | -17% |
| Cash used in operations | $3.3M | −$22.8M | $26.1M | — |
| Working capital & other | $30.6M | $4.1M | $26.4M | +643% |
Questions
How much did Orrstown Financial Services's revenue grow year over year in Q3 2026?
Orrstown Financial Services's revenue rose $2.3M (+4%) from $64.4M in Q3 2025 to $66.7M in Q3 2026.
What drove Orrstown Financial Services's revenue change in Q3 2026?
Net interest income +$2.3M (+5%); Noninterest income −$4K (0%).