Here's What Key Metrics Tell Us About Orrstown (ORRF) Q4 Earnings

Core Insights - Orrstown Financial Services (ORRF) reported revenue of $64.92 million for the quarter ended December 2025, marking a year-over-year increase of 5% and exceeding the Zacks Consensus Estimate of $64.55 million by 0.58% [1] - The company's earnings per share (EPS) for the same period was $1.11, compared to $0.87 a year ago, representing an EPS surprise of 2.47% against the consensus estimate of $1.08 [1] Financial Metrics - The efficiency ratio was reported at 57.5%, higher than the three-analyst average estimate of 56.7% [4] - Average interest-earning assets amounted to $5.08 billion, slightly above the estimated $5.03 billion [4] - The net interest margin was recorded at 4%, compared to the average estimate of 4.1% [4] - Total non-interest income reached $14.39 million, exceeding the average estimate of $13.06 million [4] - Other income was reported at $2.17 million, above the average estimate of $1.99 million [4] - Interchange income was $1.55 million, below the average estimate of $1.8 million [4] - Service charges on deposit accounts totaled $3.23 million, surpassing the average estimate of $2.91 million [4] - Wealth management income was reported at $5.74 million, exceeding the average estimate of $5.17 million [4] - Net interest income was $50.53 million, below the average estimate of $51.55 million [4] Stock Performance - Shares of Orrstown have returned +0.9% over the past month, outperforming the Zacks S&P 500 composite's +0.4% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]