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Swap fee income at other companies

First Commonwealth Financial logo
First Commonwealth FinancialFCF
$383K-12.8%
First Business Financial Services logo
First Business Financial ServicesFBIZ
$628K+456%
CF Bankshares logo
CF BanksharesCFBK
$214K+9.2%
QCR Holdings logo
QCR HoldingsQCRH
$15.39M+56.0%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$385.75K+74.4%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$385.75K+74.4%

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 orrf:LoanSwapReferralFees.

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
Service charges on deposit accounts2,0712,0504,3213,961
Interchange income1,6021,4413,1152,868
Other service charges, commissions and fees6635801,2841,064
Swap fee income6516691,9901,063
Trust and investment management income4,0723,5727,8167,548
Brokerage income1,8741,6953,6873,134
Mortgage banking activities436478762780
Income from life insurance1,3761,3115,1372,600

Item 1. Financial Statements

FAQ

What is Orrstown Financial Services's swap fee income?
Orrstown Financial Services (ORRF) reported swap fee income of $651K in Q2 2026.
How has Orrstown Financial Services's swap fee income changed year-over-year?
Orrstown Financial Services's swap fee income decreased by 2.7% year-over-year, from $669K to $651K.
What is the long-term trend for Orrstown Financial Services's swap fee income?
Over 4 years (2021 to 2025), Orrstown Financial Services's swap fee income has grown at a 78.7% compound annual growth rate (CAGR), from $293K to $2.99M.
What does swap fee income mean?
This metric tracks income derived from facilitating interest rate swaps for commercial clients, often to help them hedge interest rate risk on their loans. It represents a specialized service that adds value to the client relationship while generating fee-based revenue. This income stream is typically linked to commercial loan volume and the bank's ability to provide sophisticated financial solutions.

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