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Orrstown Financial Services ORRF Gain (Loss) on Sales of Loans, Net

Gain (Loss) on Sales of Loans, Net at other companies

Financial Institutions logo
Financial InstitutionsFISI
$125K+6.8%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$683K+166%
Home Bancorp logo
Home BancorpHBCP
$229K+101%
FRA
Franklin Financial Services CorporationFRAF
$227K+72.0%
Ohio Valley Banc Corp logo
Ohio Valley Banc CorpOVBC
$57.25K+6.5%
Fulton Financial logo
Fulton FinancialFULT

Other financials

Income statement

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Revenue$62.7M+0.4%
Net income$21.2M+8.8%
EPS (diluted)$1.09+7.9%

Balance sheet

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Cash & equivalents$144.8M-3.0%
Total debt$13.7M-10.0%
Total equity$621.7M+13.3%
Total assets$5.6B+4.2%

Cash flow

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Operating cash flow$22.9M-6.2%
CapEx$546.0K-30.9%
Free cash flow$22.4M-5.4%

Valuation

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Market cap$838.32M+33.7%
Enterprise value$707.15M+43.5%
P/E9.7×-4.8×
P/S3.3×+0.7×

Profitability

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Net margin33.6%+16.2pp
FCF margin33.4%+14.6pp

Returns & leverage

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Return on equity14.8%+4.3pp
Debt / equity0.0×

Where this comes from

Reported directly by Orrstown Financial Services in its filing.

Tagged under the XBRL concept us-gaap:GainLossOnSalesOfLoansNet.

The source filing: Orrstown Financial Services’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:03 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001628280-26-054267
(Dollars in thousands)Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Provision for (recovery of) credit losses - loans1,066(345)
Recovery of credit losses - unfunded loan commitments(376)(100)
Share-based compensation3,3162,644
Gains on sales of loans originated for sale(429)(557)
Fair value adjustments on loans held for sale73(27)
Mortgage loans originated for sale(22,919)(27,812)
Proceeds from sales of loans originated for sale25,72629,804
Net gain on OREO and premises held for sale(119)

Item 1. Financial Statements

FAQ

What is Orrstown Financial Services's gain (loss) on sales of loans, net?
Orrstown Financial Services (ORRF) reported gain (loss) on sales of loans, net of $246K in Q2 2026.
How has Orrstown Financial Services's gain (loss) on sales of loans, net changed year-over-year?
Orrstown Financial Services's gain (loss) on sales of loans, net decreased by 25.9% year-over-year, from $332K to $246K.
What is the long-term trend for Orrstown Financial Services's gain (loss) on sales of loans, net?
Over 4 years (2021 to 2025), Orrstown Financial Services's gain (loss) on sales of loans, net has grown at a -29.5% compound annual growth rate (CAGR), from $5.22M to $1.29M.
What does gain (loss) on sales of loans, net mean?
This reflects the net realized gain or loss recognized when loans originated for sale are sold to secondary market investors. It serves as a key indicator of the profitability of the bank's mortgage banking or loan production activities. A positive value indicates that the market value of the loans sold exceeded their carrying value at the time of sale.

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