Orrstown Financial Services, Inc. (ORRF)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$43.96-2.89%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · ORRF
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 0.0% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Our results reflect the progress we are making in growing core net interest income while actively managing funding costs and the declining benefit of purchase accounting accretion from our previous m…
Stated in 3 of 3 supplied quarters. Management reported: “Our results reflect the progress we are making in growing core net interest income while actively managing funding costs and the declining benefit of purchase accounting accretion from our previous merger.” “"The core net interest margin expanded during the quarter as we continued to effectively manage funding costs.” Revenue was $74.702 million in 2026-Q2.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Our results reflect the progress we are making in growing core net interest income while actively managing funding costs and the declining benefit of purchase accounting accretion from our previous m…”
“"The core net interest margin expanded during the quarter as we continued to effectively manage funding costs.”
“We believe that deposit growth, which accelerated during the second half of the quarter, will enable us to successfully manage our funding costs and maintain a healthy net interest margin in a compet…”
Noninterest expense declined as we continue to focus on creating efficiencies throughout the organization.
Stated in 1 of 3 supplied quarters. Management reported: “Noninterest expense declined as we continue to focus on creating efficiencies throughout the organization.” “We maintain a strong credit risk profile and we expect to continue to build upon our capital ratios at a healthy pace through earnings generation.”
“Noninterest expense declined as we continue to focus on creating efficiencies throughout the organization.”
The Company continues to believe that capital is adequate to support the risks inherent in the balance sheet, as well as growth requirements.
Stated in 3 of 3 supplied quarters. Management reported: “The Company continues to believe that capital is adequate to support the risks inherent in the balance sheet, as well as growth requirements.” “We maintain a strong credit risk profile and we expect to continue to build upon our capital ratios at a healthy pace through earnings generation.” Net income was $21.158 million in 2026-Q2.
“The Company continues to believe that capital is adequate to support the risks inherent in the balance sheet, as well as growth requirements.”
“We maintain a strong credit risk profile and we expect to continue to build upon our capital ratios at a healthy pace through earnings generation.”
“The Company continues to believe that capital is adequate to support the risks inherent in the balance sheet, as well as growth requirements.”
Continue the quarterly $0.30-per-share cash dividend declared by the board.
Focus on delivering strong net income and earnings per share each quarter with solid financial metrics.
Over the trailing year it converted 1.00x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9158).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
14 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.