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Orrstown Financial Services ORRF Interchange income

Interchange income at other companies

Independent Bank Corporation logo
Independent Bank CorporationIBCP
$3.23M+3.4%
First Financial Corporation logo
First Financial CorporationTHFF
$186K-13.1%
SBC
Seacoast Banking Corporation of FloridaSBCF
$2.07M+14.4%
Shore Bancshares logo
Shore BancsharesSHBI
$1.7M+7.7%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$3.9M-28.7%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$3.23M+3.4%

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$799.08M+37.2%
Enterprise value$651.86M+111%
P/E9.4×-9.0×
P/S3.1×+0.5×

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 / equity0×0.0×

Where this comes from

Reported directly by Orrstown Financial Services in its filing.

Tagged under the XBRL concept orrf:MerchantAndBankcardFeesInterchangeIncome.

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 interchange income?
Orrstown Financial Services (ORRF) reported interchange income of $1.51M in Q1 2026.
How has Orrstown Financial Services's interchange income changed year-over-year?
Orrstown Financial Services's interchange income increased by 6.0% year-over-year, from $1.43M to $1.51M.
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.