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Orrstown Financial Services ORRF Interest Income (Expense), after Provision for Loan Loss

Interest Income (Expense), after Provision for Loan Loss at other companies

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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$845.01M+34.7%
Enterprise value$713.84M+44.8%
P/E9.8×-4.7×
P/S3.3×+0.8×

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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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, except per share amounts)Three Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Net interest income48,83149,51297,83698,273
Provision for (recovery of) credit losses - loans3382091,066(345)
Recovery of credit losses - unfunded loan commitments(100)(376)(100)
Net interest income after net provision for (recovery of) credit losses48,49349,40397,14698,718
Noninterest income
Service charges on deposit accounts2,0712,0504,3213,961
Interchange income1,6021,4413,1152,868
Other service charges, commissions and fees6635801,2841,064

Item 1. Financial Statements

FAQ

What is Orrstown Financial Services's interest income (expense), after provision for loan loss?
Orrstown Financial Services (ORRF) reported interest income (expense), after provision for loan loss of $48.49M in Q2 2026.
How has Orrstown Financial Services's interest income (expense), after provision for loan loss changed year-over-year?
Orrstown Financial Services's interest income (expense), after provision for loan loss decreased by 1.8% year-over-year, from $49.4M to $48.49M.
What is the long-term trend for Orrstown Financial Services's interest income (expense), after provision for loan loss?
Over 4 years (2021 to 2025), Orrstown Financial Services's interest income (expense), after provision for loan loss has grown at a 23.5% compound annual growth rate (CAGR), from $85.88M to $199.77M.
What does interest income (expense), after provision for loan loss mean?
Interest Income (Expense), after Provision for Loan Loss

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