Orrstown Financial Services (ORRF) reported $64.92 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 5%. EPS of $1.11 for the same period compares to $0.87 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $64.55 million, representing a surprise of +0.58%. The company delivered an EPS surprise of +2.47%, with the consensus EPS estimate being $1.08.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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: 57.5% versus the three-analyst average estimate of 56.7%.
- Average Interest-Earning Assets: $5.08 billion versus $5.03 billion estimated by three analysts on average.
- Net Interest Margin: 4% versus the three-analyst average estimate of 4.1%.
- Total Non Interest Income: $14.39 million versus $13.06 million estimated by three analysts on average.
- Other income: $2.17 million versus $1.99 million estimated by two analysts on average.
- Interchange Income: $1.55 million compared to the $1.8 million average estimate based on two analysts.
- Service charges on deposit accounts: $3.23 million versus $2.91 million estimated by two analysts on average.
- Wealth management income: $5.74 million versus $5.17 million estimated by two analysts on average.
- Net Interest Income: $50.53 million versus the two-analyst average estimate of $51.55 million.
View all Key Company Metrics for Orrstown here>>>
Shares of Orrstown have returned +0.9% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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Orrstown Financial Services Inc (ORRF): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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