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Interchange income at other companies

Independent Bank Corporation logo
Independent Bank CorporationIBCP
$3.58M+5.5%
Citizens Community Bancorp logo
Citizens Community BancorpCZWI
$556K-1.4%
SBC
Seacoast Banking Corporation of FloridaSBCF
$2.09M+10.4%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$3.58M+5.5%
First Financial Corporation logo
First Financial CorporationTHFF
$214K+18.9%
First Financial Corporation logo
First Financial CorporationTHFF
$214K+18.9%

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:MerchantAndBankcardFeesInterchangeIncome.

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 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
Swap fee income6516691,9901,063
Trust and investment management income4,0723,5727,8167,548
Brokerage income1,8741,6953,6873,134

Item 1. Financial Statements

FAQ

What is Orrstown Financial Services's interchange income?
Orrstown Financial Services (ORRF) reported interchange income of $1.6M in Q2 2026.
How has Orrstown Financial Services's interchange income changed year-over-year?
Orrstown Financial Services's interchange income increased by 11.2% year-over-year, from $1.44M to $1.6M.
What is the long-term trend for Orrstown Financial Services's interchange income?
Over 4 years (2021 to 2025), Orrstown Financial Services's interchange income has grown at a 10.0% compound annual growth rate (CAGR), from $4.13M to $6.04M.
What does interchange income mean?
Interchange income is the fee revenue earned by the bank when customers use debit or credit cards issued by the institution for transactions. This is a volume-driven revenue stream that benefits from increased consumer spending and digital payment adoption. It is a key component of non-interest income that reflects the bank's retail transaction activity.

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