ORRF PRESS-RELEASE SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

ORRF ▲ +0.60% at T+20d

LONG call ✓ call won +0.60% · α vs SPY -2.56% · entry $35.58 → $35.79

Next anchor: T+60d in 8w

Currently $36.67 · +3.08% from $35.58 entry

Entry anchored
Apr 21, 03:59 PM ET
via Databento tick

T+1d

+3.02%

call +3.02% · α +3.41%

$36.65

settled 28d ago

T+5d

+4.54%

call +4.54% · α +4.48%

$37.19

settled 22d ago

T+20d

+0.60%

call +0.60% · α -2.56%

$35.79

settled yesterday

T+60d

—

call — · α —

—

in 8w

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Executive Summary

Orrstown Financial Services reported Q1 2026 earnings with diluted EPS of $1.12, beating the consensus estimate of $1.01 by 10.9%, driven by higher net interest income and lower noninterest expenses. Loan and deposit growth were strong, though net interest margin declined slightly.

Actionable Insight

The EPS beat and strong balance sheet growth suggest underlying momentum; watch for sustained margin performance and whether cost discipline continues in the next quarter.

Key Facts

Diluted EPS of $1.12 vs. consensus of $1.01, a 10.9% beat
Net income of $21.8 million, up from $21.5 million in the prior quarter
Loan portfolio grew by $40.6 million (4% annualized), deposits increased by $98.7 million
Net interest margin declined to 3.90% from 4.00% in the prior quarter
Noninterest expenses decreased by $0.7 million despite revenue growth

Financial Impact

EPS beat by 10.9%, net income up 1.4% sequentially

epsnet_incomenet_interest_marginloan_growthdeposit_growth

Risk Factors

Declining net interest margin pressures profitability despite loan growth
Increase in nonaccrual loans to 0.74% of total loans from 0.70% in prior quarter

Market Snapshot

Exchange

Nasdaq

Sector

State Commercial Banks

Documents Analyzed

This report is based on 1 press release from GlobeNewswire.

Document	Accession Number
PRESS-RELEASE Data (Synthetic)	press-3278422

5 reports for ORRF

T+1T+5T+20T+60

Track record builds as more directional reports settle.

Filters

Reports for ORRF — sortable, filterable
	Type				Now
May 5, 2026 15d ago	8-K NEUTRAL ★ 2/10	$36.90 $36.17	▼ −1.98%	▼ −3.96%	$36.67 (−0.62%)
Apr 22, 2026 28d ago	8-K BULLISH ★ 7/10	$35.58 $37.19	▲ +4.54%	▲ +4.48%	$36.67 (+3.08%)
Apr 21, 2026 29d ago	Press Release BULLISH ★ 7/10	$35.58 $37.19	▲ +4.54%	▲ +4.48%	$36.67 (+3.08%)
Apr 13, 2026 5w ago	Press Release NEUTRAL ★ 3/10	$38.13 $37.74	▼ −1.03%	▼ −2.43%	$36.67 (−3.84%)
Mar 11, 2026 10w ago	Insider Cluster NEUTRAL ★ 3/10	$33.94 $34.01	▲ +0.21%	▲ +2.40%	$36.67 (+8.05%)

US Market Status

Market Closed — Opens Thu (< 1m)

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