Orrstown (ORRF) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Orrstown Financial Services (ORRF) reported $64.37 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 0.5%. EPS of $1.13 for the same period compares to $1.11 a year ago.

The reported revenue represents a surprise of +2.01% over the Zacks Consensus Estimate of $63.1 million. With the consensus EPS estimate being $1.06, the EPS surprise was +6.6%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Orrstown performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency ratio: 56.4% versus the three-analyst average estimate of 56.6%.
• Average Interest-Earning Assets: $4.99 billion compared to the $4.97 billion average estimate based on three analysts.
• Net Interest Margin: 4.1% versus the three-analyst average estimate of 4.1%.
• Total Non Interest Income: $13.38 million versus the three-analyst average estimate of $12.15 million.
• Other income: $2.1 million compared to the $2.02 million average estimate based on two analysts.
• Interchange Income: $1.62 million compared to the $1.22 million average estimate based on two analysts.
• Service charges on deposit accounts: $3 million versus the two-analyst average estimate of $2.75 million.
• Wealth management income: $5.28 million compared to the $5.07 million average estimate based on two analysts.
• Net Interest Income: $50.99 million versus $51.28 million estimated by two analysts on average.

View all Key Company Metrics for Orrstown here>>>

Shares of Orrstown have returned -5% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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