Orrstown Q4 net income declines slightly

Orrstown Financial Services

27/01/2026 21:25

Overview

U.S. bank's Q4 net income slightly declined compared to the previous quarter

Net interest margin decreased to 4.00% in Q4 from 4.11% in Q3

Noninterest income increased by $1.0 mln in Q4, driven by wealth management and swap fees

Outlook

Orrstown expects continued loan growth in the first quarter of 2026

Company sees significant upside opportunities ahead

Orrstown confident in ability to grow loan portfolio responsibly

Result Drivers

LOAN GROWTH - Total loans increased by $41.0 mln, or approximately 4% annualized, indicating steady growth in the loan portfolio

NONINTEREST INCOME - Noninterest income rose by $1.0 mln due to growth in wealth management and swap fees

NONINTEREST EXPENSES - Noninterest expenses increased by $1.1 mln, primarily due to higher healthcare and professional service costs

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$1.11
Q4 Net Income
$21.49 mln
Q4 Net Interest Income
$50.53 mln
Q4 Loan Loss Provision
$75,000


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 5 "strong buy" or "buy", no "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for Orrstown Financial Services Inc is $40.00, about 11% above its January 26 closing price of $36.04

The stock recently traded at 8 times the next 12-month earnings vs. a P/E of 8 three months ago

Press Release: ID:nGNX4ZN3fQ

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)