Orrstown Financial Services, Inc. (ORRF) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 49.01M | 50.53M | 50.99M | 49.51M | 48.76M | 50.57M | 51.7M | 26.1M | 26.88M | 26.02M | 26.22M | 26.38M | 26.29M | 27.48M | 25.45M | 24.12M | 22.57M | 22.6M | 20.62M | 21.9M |
| NII Growth % | 0.5% | -0.08% | -1.37% | 89.68% | 81.4% | 94.38% | 97.17% | -1.03% | 2.23% | -5.33% | 3% | 9.36% | 16.48% | 21.62% | 23.45% | 10.12% | 3.29% | -4.77% | -0.95% | 5.3% |
| Net Interest Margin % | 0.88% | 0.91% | 0.93% | 0.92% | 0.9% | 0.93% | 0.94% | 0.82% | 0.84% | 0.85% | 0.86% | 0.88% | 0.87% | 0.94% | 0.89% | 0.85% | 0.78% | 0.8% | 0.72% | 0.75% |
| Interest Income | 74.36M | 76.26M | 77.12M | 74.83M | 75.52M | 80.02M | 82.99M | 43.28M | 42.65M | 40.03M | 38.69M | 36.9M | 34.28M | 32.09M | 27.42M | 25.35M | 23.79M | 23.92M | 22.19M | 23.66M |
| Interest Expense | 25.36M | 25.73M | 26.13M | 25.32M | 26.76M | 29.44M | 31.29M | 17.18M | 15.77M | 14.01M | 12.47M | 10.53M | 7.98M | 4.61M | 1.96M | 1.23M | 1.22M | 1.32M | 1.57M | 1.75M |
| Loan Loss Provision | 352K | 0 | 396K | 109K | -554K | 1.75M | 13.68M | 812K | 298K | 418K | 136K | 399K | 729K | 585K | 1.5M | 1.77M | 300K | 1.1M | 365K | 625K |
| Non-Interest Income | 15.58M | 14.39M | 12.49M | 12.3M | 10.95M | 10.44M | 11.6M | 6.83M | 6.28M | 6.16M | 5.61M | 6.85M | 5.78M | 5.89M | 5.73M | 6.88M | 7.17M | 6.95M | 7.36M | 6.34M |
| Non-Interest Income % | 17.32% | 15.88% | 13.94% | 14.12% | 12.66% | 11.54% | 12.27% | 13.63% | 12.83% | 13.33% | 12.67% | 15.66% | 14.43% | 15.51% | 17.28% | 21.34% | 23.16% | 22.52% | 24.9% | 21.15% |
| Total Revenue | 89.94M | 90.65M | 89.61M | 87.13M | 86.47M | 90.46M | 94.59M | 50.11M | 48.93M | 46.19M | 44.3M | 43.75M | 40.06M | 37.99M | 33.15M | 32.23M | 30.96M | 30.87M | 29.55M | 30M |
| Revenue Growth % | 4.02% | 0.22% | -5.26% | 73.88% | 76.72% | 95.85% | 113.51% | 14.54% | 22.15% | 21.59% | 33.65% | 35.76% | 29.39% | 23.04% | 12.18% | 7.42% | -0.85% | -7.37% | -4.06% | -6.15% |
| Non-Interest Expense | 36.73M | 37.35M | 35.41M | 37M | 37.5M | 42.13M | 59.52M | 22.3M | 22.12M | 22.06M | 20.13M | 20.44M | 19.96M | 20.9M | 36.08M | 18.48M | 19.06M | 19.95M | 18.74M | 16.71M |
| Efficiency Ratio | 40.84% | 41.21% | 39.51% | 42.46% | 43.37% | 46.57% | 62.92% | 44.5% | 45.2% | 47.76% | 45.44% | 46.72% | 49.82% | 55.02% | 108.85% | 57.33% | 61.56% | 64.62% | 63.43% | 55.71% |
| Operating Income | 27.5M | 27.57M | 27.68M | 24.7M | 22.76M | 17.14M | -9.9M | 9.82M | 10.74M | 9.7M | 11.56M | 12.38M | 11.39M | 11.89M | -6.4M | 10.74M | 10.38M | 8.5M | 8.87M | 10.91M |
| Operating Margin % | 30.58% | 30.41% | 30.89% | 28.35% | 26.33% | 18.94% | -10.46% | 19.6% | 21.96% | 21% | 26.1% | 28.31% | 28.43% | 31.3% | -19.3% | 33.34% | 33.54% | 27.54% | 30.02% | 36.36% |
| Operating Income Growth % | 20.82% | 60.89% | 379.65% | 151.47% | 111.87% | 76.67% | -185.61% | -20.68% | -5.66% | -18.42% | 280.67% | 15.28% | 9.68% | 39.85% | -172.13% | -1.5% | -17.7% | -32.15% | 42.76% | 42.39% |
| Pretax Income | 27.5M | 27.49M | 27.68M | 24.7M | 22.76M | 17.14M | -9.9M | 9.82M | 10.74M | 9.7M | 11.56M | 12.38M | 11.39M | 11.89M | -6.4M | 10.74M | 10.38M | 8.5M | 8.87M | 10.91M |
| Pretax Margin % | 30.58% | 30.33% | 30.89% | 28.35% | 26.33% | 18.94% | -10.46% | 19.6% | 21.96% | 21% | 26.1% | 28.31% | 28.43% | 31.3% | -19.3% | 33.34% | 33.54% | 27.54% | 30.02% | 36.36% |
| Income Tax | 5.69M | 6M | 5.81M | 5.26M | 4.71M | 3.45M | -1.99M | 2.09M | 2.21M | 2.06M | 2.54M | 2.55M | 2.23M | 2.26M | -1.57M | 1.87M | 2.02M | 1.79M | 1.68M | 2.13M |
| Effective Tax Rate % | 20.7% | 21.83% | 21% | 21.28% | 20.7% | 20.14% | 20.15% | 21.23% | 20.6% | 21.2% | 21.93% | 20.57% | 19.6% | 19.03% | 24.55% | 17.43% | 19.41% | 21.12% | 18.93% | 19.54% |
| Net Income | 21.81M | 21.49M | 21.86M | 19.45M | 18.05M | 13.68M | -7.9M | 7.74M | 8.53M | 7.64M | 9.03M | 9.84M | 9.16M | 9.63M | -4.83M | 8.87M | 8.37M | 6.71M | 7.19M | 8.78M |
| Net Margin % | 24.25% | 23.71% | 24.4% | 22.32% | 20.88% | 15.13% | -8.36% | 15.44% | 17.44% | 16.55% | 20.37% | 22.49% | 22.86% | 25.34% | -14.56% | 27.53% | 27.03% | 21.72% | 24.34% | 29.25% |
| Net Income Growth % | 20.82% | 57.05% | 376.67% | 151.33% | 111.59% | 79.04% | -187.56% | -21.35% | -6.83% | -20.6% | 286.95% | 10.9% | 9.42% | 43.54% | -167.13% | 1.08% | -18.02% | -33.33% | 44.5% | 38.01% |
| Net Income (Continuing) | 21.81M | 21.49M | 21.86M | 19.45M | 18.05M | 13.68M | -7.9M | 7.74M | 8.53M | 7.64M | 9.03M | 9.84M | 9.16M | 9.63M | -4.83M | 8.87M | 8.37M | 6.71M | 7.19M | 8.78M |
| EPS (Diluted) | 1.12 | 1.28 | 1.13 | 1.01 | 0.93 | 0.71 | -0.41 | 0.73 | 0.81 | 0.73 | 0.87 | 0.94 | 0.87 | 0.91 | -0.47 | 0.83 | 0.76 | 0.60 | 0.65 | 0.79 |
| EPS Growth % | 20.43% | 80.28% | 375.61% | 38.36% | 14.81% | -2.74% | -147.13% | -22.34% | -6.9% | -19.78% | 285.11% | 13.25% | 14.47% | 51.67% | -172.31% | 5.06% | -17.39% | -34.07% | 44.44% | 36.21% |
| EPS (Basic) | 1.13 | 1.29 | 1.14 | 1.01 | 0.94 | 0.72 | -0.41 | 0.74 | 0.82 | 0.74 | 0.87 | 0.95 | 0.88 | 0.93 | -0.47 | 0.84 | 0.77 | 0.61 | 0.66 | 0.80 |
| Diluted Shares Outstanding | 19.41M | 16.76M | 19.36M | 19.34M | 19.33M | 19.3M | 19.23M | 10.55M | 10.48M | 10.42M | 10.4M | 10.42M | 10.5M | 10.55M | 10.37M | 10.74M | 11.01M | 11.11M | 11.12M | 11.11M |