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Orrstown Financial Services ORRF Allowance for credit losses

Allowance for credit losses at other companies

F.N.B. Corporation logo
F.N.B. CorporationFNB
$443M+3.3%
Fulton Financial logo
Fulton FinancialFULT
$367.49M-3.2%
First Community Bankshares logo
First Community BanksharesFCBC
$33.54M-0.7%
Financial Institutions logo
Financial InstitutionsFISI
$0
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$41.11M+14.7%
Greene County Bancorp logo
Greene County BancorpGCBC
$0

Other financials

Income statement

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Revenue$64.6M+7.0%
Net income$21.8M+20.8%
EPS (diluted)$1.12+20.4%

Balance sheet

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Cash & equivalents$161.1M-43.9%
Total debt$13.9M-2.2%
Total equity$603.2M+13.2%
Total assets$5.6B+2.5%

Cash flow

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Operating cash flow$25.5M+133%
CapEx$422.0K-81.8%
Free cash flow$25.1M+191%

Valuation

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Market cap$802.22M+29.2%
Enterprise value$655M+34.5%
P/E9.5×-4.9×
P/S3.1×+0.6×

Profitability

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Net margin33%+18.6pp
FCF margin33.9%+20.5pp

Returns & leverage

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Return on equity14.9%+7.0pp
Debt / equity0.0×

Where this comes from

Reported directly by Orrstown Financial Services in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest.

The official record: Orrstown Financial Services’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Orrstown Financial Services's allowance for credit losses?
Orrstown Financial Services (ORRF) reported allowance for credit losses of $47.46M in Q1 2026.
How has Orrstown Financial Services's allowance for credit losses changed year-over-year?
Orrstown Financial Services's allowance for credit losses decreased by 0.7% year-over-year, from $47.8M to $47.46M.
What is the long-term trend for Orrstown Financial Services's allowance for credit losses?
Over 5 years (2020 to 2025), Orrstown Financial Services's allowance for credit losses has grown at a 18.8% compound annual growth rate (CAGR), from $20.15M to $47.68M.
What does allowance for credit losses mean?
Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.