Filing Flows › Orrstown Financial Services (ORRF) › Q3 2026
Orrstown Financial Services (ORRF) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
Orrstown Financial Services (ORRF) reported revenue of $66.7M for the third quarter 2026 (Q3 2026), +4% from a year earlier and +6% from the quarter before. Operating margin was 42.5%, net earnings $22.8M (34.2% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $66.7M | +6% | +4% |
| Operating profit | $28.3M | +15% | +2% |
| Net earnings | $22.8M | +8% | +4% |
| Operating cash flow | −$3.3M | — | — |
What changed
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.
Questions
What was Orrstown Financial Services' revenue in the third quarter 2026?
Orrstown Financial Services (ORRF) reported revenue of $66.7M for the third quarter 2026 (Q3 2026), +4% from a year earlier and +6% from the quarter before.
Was Orrstown Financial Services profitable in the third quarter 2026?
Operating profit was $28.3M (42.5% of revenue) and net earnings $22.8M.