Overview

* Orrstown Q3 net income rises to $21.9 mln, with EPS at $1.13

* Net interest margin increased to 4.11% in Q3 2025

* Company redeemed $32.5 mln in subordinated notes on September 30, 2025

Outlook

* Company plans to grow prudently amid economic uncertainty

Result Drivers

* NET INTEREST MARGIN - Increase to 4.11% driven by higher loan yields and net accretion of purchase accounting marks

* LOAN GROWTH - Loans increased by $48.4 mln

* NONINTEREST INCOME - Increase due to higher service charges and swap fee income

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 EPS $1.13

Q3 Net $21.86

Income mln

Q3 Net $50.98

Interest mln

Income

Q3 Loan $396,000

Loss

Provisio

n

Q3 $27.67

Pretax mln

Profit

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 ( ORRF ) is $40.00, about 16.7% above its October 20 closing price of $33.31

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

Press Release:

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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.)