Sep 2026 (Q3 FY26) — Oct 21, 2026
Orrstown Financial Services, Inc. Q3 FY26 — Strong Performance with NIM Expansion and Robust Loan Growth
Read the full callOrrstown Financial Services earnings: last reported Wed, 21 Oct 2026, for the quarter ended Sep 2026.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 21.2 | +8.8% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
1Y: $34.84 on 22 Oct 2025 → $44.29. High $44.32 (22 Oct 2026), low $33.11 (30 Oct 2025).
Overview
Call summaries
Orrstown Financial Services, Inc. Q3 FY26 — Strong Performance with NIM Expansion and Robust Loan Growth
Read the full callOrrstown Financial Services Q2 FY26 — Strong Earnings and NIM Expansion
Read the full callEvery analysed call
Financials
Net profit, year on year: +9% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Profit before tax | -10 | 17 | 23 | 25 | 28 | 27 | 28 | 25 |
| Tax rate | 20.1% | 20.1% | 20.7% | 21.3% | 21.0% | 21.8% | 20.7% | 14.2% |
| Net profit | -8 | 14 | 18 | 19 | 22 | 21 | 22 | 21 |
| EPS ($ per share) | -0.41 | — | 0.94 | 1.01 | 1.14 | — | 1.13 | 1.10 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 24 | 35 | 54 | 79 | 92 | 118 | 127 | 187 |
| Total liabilities | 1,761 | 2,160 | 2,504 | 2,563 | 2,694 | 2,799 | 4,925 | 4,951 |
| Fixed assets | 38 | 38 | 35 | 34 | 29 | 29 | 50 | 51 |
| Total assets | 1,934 | 2,383 | 2,751 | 2,835 | 2,922 | 3,064 | 5,442 | 5,542 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 22 | 9 | 30 | 41 | 36 | 44 | 35 | 75 |
| Cash from investing | -139 | 18 | -293 | -2 | -271 | -153 | 61 | -182 |
| Cash from financing | 176 | -60 | 332 | 45 | 87 | 114 | 88 | 8 |
| Net cash flow | 59 | -33 | 69 | 83 | -148 | 4 | 184 | -99 |
| Capital expenditure | -5 | -3 | -1 | -1 | -1 | -2 | -2 | -4 |
| Free cash flow | 18 | 6 | 29 | 40 | 35 | 41 | 33 | 70 |
102 filings between Oct 27, 2025 and Aug 6, 2026.
Purchases
$59.1K
3 purchases by 3 insiders
Sales
$988.1K
6 sales by 5 insiders
Also filed: 1 gift.
| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Quinn Thomas R Jr | — | $389.3K | Feb 19, 2026 |
| Holt Christopher D | — | $268.1K | Mar 11, 2026 |
| DOLL AMY | — | $124.9K | Jul 27, 2026 |
| Rice Michael John | — | $109.2K | Aug 6, 2026 |
| Messick John Rodney | — | $96.5K | Feb 5, 2026 |
| Brunner Brian D | $34.0K | — | Mar 18, 2026 |
| BROWN SARAH M | $14.7K | — | Feb 2, 2026 |
| Joiner Cindy Jeannette | $10.4K | — | Oct 27, 2025 |
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 6, 2026 | Rice Michael John Director | Sale | 2,530 | $109.2K |
| Jul 30, 2026 | ZULLINGER JOEL R Director | Gift | 120 | $5.2K |
| Jul 27, 2026 | DOLL AMY EVP, Chief Admin. Officer | Sale | 3,002 | $124.9K |
| Jul 24, 2026 | DOLL AMY EVP, Chief Admin. Officer | Option exercise | 879 | $22.8K |
| Jul 24, 2026 | DOLL AMY EVP, Chief Admin. Officer | Option exercise | 1,549 | $32.9K |
| Jul 24, 2026 | DOLL AMY EVP, Chief Admin. Officer | Option exercise | 574 | $17.2K |
| Jul 1, 2026 | Mulcahy Sean Chief Accounting Officer | Tax withheld | 296 | $12.1K |
| Jul 1, 2026 | Jaeger Michael EVP, Chief Experience Officer | Tax withheld | 296 | $12.1K |
| Jun 1, 2026 | Quinn Thomas R Jr President & CEO | Tax withheld | 3,642 | $135.2K |
| Jun 1, 2026 | Quinn Thomas R Jr President & CEO | Tax withheld | 10,209 | $379.1K |
| May 5, 2026 | SNOKE GLENN W Director | Award | 1,500 | $0 |
| May 5, 2026 | Joiner Cindy Jeannette Director | Award | 1,500 | $0 |
| May 5, 2026 | ZULLINGER JOEL R Director | Award | 2,600 | $0 |
| May 5, 2026 | GIAMBALVO JOHN W Director | Award | 1,500 | $0 |
| May 5, 2026 | Rice Michael John Director | Award | 1,500 | $0 |
| May 5, 2026 | Brunner Brian D Director | Award | 1,500 | $0 |
| May 5, 2026 | Messick John Rodney Director | Award | 1,500 | $0 |
| May 5, 2026 | BROBST BARBARA E Director | Award | 1,500 | $0 |
| May 5, 2026 | Segal Eric Andrew Director | Award | 1,500 | $0 |
| May 5, 2026 | BROWN SARAH M Director | Award | 1,500 | $0 |
| May 5, 2026 | Keller Mark K Director | Award | 1,500 | $0 |
| May 5, 2026 | Alpert Matthew D EVP, Chief Wealth Officer | Award | 15,000 | $0 |
| May 5, 2026 | FAINOR SCOTT V Director | Award | 1,500 | $0 |
| Mar 18, 2026 | Brunner Brian D Director | Purchase | 1,000 | $34.0K |
| Mar 11, 2026 | Holt Christopher D EVP, Market President | Sale | 7,820 | $268.1K |
| Feb 23, 2026 | Hocker Joshua D EVP, Market President | Tax withheld | 90 | $3.4K |
| Feb 19, 2026 | Quinn Thomas R Jr President & CEO | Sale | 10,373 | $388.3K |
| Feb 18, 2026 | Quinn Thomas R Jr President & CEO | Sale | 28 | $1.1K |
| Feb 17, 2026 | Hornberger David Todd EVP, Market President | Award | 3,365 | $0 |
| Feb 17, 2026 | Hornberger David Todd EVP, Market President | Tax withheld | 1,729 | $65.1K |
| Feb 17, 2026 | Hornberger David Todd EVP, Market President | Award | 2,170 | $0 |
| Feb 17, 2026 | FAGUE PHILIP E EVP, Trust & Wealth | Award | 1,776 | $0 |
| Feb 17, 2026 | FAGUE PHILIP E EVP, Trust & Wealth | Tax withheld | 300 | $11.3K |
| Feb 17, 2026 | Knisely Heather K. Chief Human Resources Officer | Award | 2,015 | $0 |
| Feb 17, 2026 | Hornberger David Todd EVP, Market President | Tax withheld | 389 | $14.6K |
| Feb 17, 2026 | Knisely Heather K. Chief Human Resources Officer | Tax withheld | 278 | $10.5K |
| Feb 17, 2026 | Jaeger Michael EVP, Chief Experience Officer | Award | 1,082 | $0 |
| Feb 17, 2026 | Jaeger Michael EVP, Chief Experience Officer | Award | 1,083 | $0 |
| Feb 17, 2026 | Jaeger Michael EVP, Chief Experience Officer | Tax withheld | 399 | $15.0K |
| Feb 17, 2026 | KALANI NEELESH EVP, Chief Financial Officer | Award | 3,368 | $0 |
| Feb 17, 2026 | KALANI NEELESH EVP, Chief Financial Officer | Award | 2,439 | $0 |
| Feb 17, 2026 | KALANI NEELESH EVP, Chief Financial Officer | Tax withheld | 467 | $17.6K |
| Feb 17, 2026 | Orr Christopher EVP Chief Information Officer | Award | 1,915 | $0 |
| Feb 17, 2026 | Orr Christopher EVP Chief Information Officer | Award | 1,915 | $0 |
| Feb 17, 2026 | Quinn Thomas R Jr President & CEO | Award | 16,591 | $0 |
| Feb 17, 2026 | Knisely Heather K. Chief Human Resources Officer | Award | 1,421 | $0 |
| Feb 17, 2026 | Quinn Thomas R Jr President & CEO | Tax withheld | 3,127 | $117.7K |
| Feb 17, 2026 | Quinn Thomas R Jr President & CEO | Award | 7,294 | $0 |
| Feb 17, 2026 | Quinn Thomas R Jr President & CEO | Tax withheld | 818 | $30.8K |
| Feb 17, 2026 | KALANI NEELESH EVP, Chief Financial Officer | Tax withheld | 2,075 | $78.1K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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