Short answer
ORRSTOWN FINANCIAL SERVICES INC (ORRF) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $77M (down 7.1% year over year) with net income of $22M.
Q3 2025 key financials · XBRL
- Revenue
- $77M
- −7.1% YoY · +3.1% QoQ
- Net income
- $22M
- +376.7% YoY · +12.4% QoQ
- EPS (diluted)
- $1.13
- +221.5% YoY · +11.9% QoQ
Source: XBRL data from the ORRSTOWN FINANCIAL SERVICES INC (ORRF) Q3 2025 10-Q on SEC EDGAR. USD.
ORRSTOWN FINANCIAL SERVICES INC Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $21.9M vs $7.9M loss YoY; diluted EPS $1.13 vs $(0.41)
- Net interest margin 4.11% vs 4.14% YoY; net interest income $51.0M vs $51.7M
- Noninterest expenses $36.3M vs $60.3M; merger-related expenses zero vs $17.0M
- Provision for credit losses $396K vs $13.7M, including $15.5M acquired-loan reserves last year
- Headwinds: tariffs, slowing labor market, recession risk, geopolitical tensions and potential government shutdownેણ
Risk Factors
- No material changes from December 31, 2024 10-K risk factors
- Carried-forward risks unchanged from the prior annual filing
- Share repurchase program authorized June 23, 2025, permitting up to 500,000 shares
- Repurchases totaled 3,030 shares during the nine months ended September 30, 2025
- Remaining repurchase authorization: 496,970 shares, or 2.5% of outstanding common stock
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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