Orrstown Financial Services Inc (ORRF) — SEC Filings
Orrstown Financial Services Inc (ORRF) — 50 SEC filings. Latest: 8-K (May 5, 2026). Includes 25 8-K, 8 13F-HR, 6 10-Q.
View Orrstown Financial Services Inc on SEC EDGAR
Overview
Orrstown Financial Services Inc (ORRF) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 6, 2025: ORRSTOWN FINANCIAL SERVICES INC (ORRF) reported a significant turnaround for the nine months ended September 30, 2025, with net income soaring to $59.364 million, a substantial increase from $8.366 million in the same period of 2024. This improvement was largely driven by a dramatic reduction in the
Sentiment Summary
Across 50 filings, the sentiment breakdown is: 2 bullish, 1 bearish, 46 neutral, 1 mixed. The dominant filing sentiment for Orrstown Financial Services Inc is neutral.
Filing Type Overview
Orrstown Financial Services Inc (ORRF) has filed 25 8-K, 8 13F-HR, 6 10-Q, 2 DEF 14A, 2 10-K, 2 SC 13G, 3 SC 13G/A, 2 8-K/A with the SEC between Jan 2024 to May 2026.
Filings by Year
Recent SEC Filings (50)
Risk Profile
Risk Assessment: Of ORRF's 37 recent filings, 0 were flagged as high-risk, 12 as medium-risk, and 25 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $227.474M |
| Net Income | $59.364M |
| EPS | $3.09 |
| Debt-to-Equity | 8.56 |
| Cash Position | $184.146M |
| Operating Margin | N/A |
| Total Assets | $5.470B |
| Total Debt | $246.188M |
Key Executives
- Pennsylvania
- Maryland
- David R. Binkley
- Robert J. Brubaker
- Thomas R. Quinn
- Robert L. Boscov
- David L. Kunkle
- Michael L. McCurdy
- December 29, 2023
- Abigail P. Johnson
Industry Context
Orrstown Financial Services operates in the highly competitive banking sector, facing pressure from traditional banks, credit unions, and increasingly, fintech companies. Key industry trends include rising interest rates impacting net interest margins, ongoing digital transformation, and evolving regulatory landscapes. Consolidation within the industry continues as smaller institutions seek scale and efficiency.
Top Tags
financial-reporting (8) · financials (5) · financial-statements (5) · exhibits (4) · 8-K (4) · disclosure (4) · governance (4) · 10-Q (4) · sec-filing (4) · executive-compensation (4)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net income | $59.364M | Increased from $8.366 million in Q3 2024 to $59.364 million in Q3 2025, a 609% increase. |
| Provision for credit losses - loans | $51K | Decreased significantly from $15.348 million in Q3 2024 to $51 thousand in Q3 2025. |
| Total interest income | $227.474M | Increased from $168.918 million in Q3 2024 to $227.474 million in Q3 2025. |
| Basic earnings per share | $3.09 | Increased from $0.63 in Q3 2024 to $3.09 in Q3 2025. |
| Dividends paid per share | $0.79 | Increased from $0.63 in Q3 2024 to $0.79 in Q3 2025. |
| Total deposits | $4.534B | Decreased from $4.623 billion at December 31, 2024, to $4.534 billion at September 30, 2025. |
| FHLB advances and other borrowings | $209.218M | Increased from $115.364 million at December 31, 2024, to $209.218 million at September 30, 2025. |
| Total assets | $5.470B | Increased from $5.442 billion at December 31, 2024, to $5.470 billion at September 30, 2025. |
| Total shareholders' equity | $571.936M | Increased from $516.682 million at December 31, 2024, to $571.936 million at September 30, 2025. |
| Interest income from loans | $192.219M | Increased from $142.417 million in Q3 2024 to $192.219 million in Q3 2025. |
| SEC File Number | 001-34292 | Identifies the company's filing with the SEC. |
| IRS Employer Identification No. | 23-2530374 | Company's tax identification number. |
| Q2 2025 Net Income | $7.8M | Decreased from $8.5M in Q2 2024, indicating an 8.2% decline. |
| YTD 2025 Net Income | $15.2M | Down from $16.8M in YTD 2024, a 9.5% decrease. |
| Total Assets | $3.2B | Increased from $3.1B at December 31, 2024, showing slight balance sheet growth. |
Forward-Looking Statements
- {"claim":"Vanguard will maintain its significant, passive stake in Orrstown Financial Services Inc. for the foreseeable future.","entity":"The Vanguard Group","targetDate":"2025-12-31","confidence":"high"}
- {"claim":"FMR LLC will maintain a significant, but potentially fluctuating, stake in Orrstown Financial Services Inc. over the next year.","entity":"FMR LLC","targetDate":"2025-02-09","confidence":"medium"}
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Frequently Asked Questions
What are the latest SEC filings for Orrstown Financial Services Inc (ORRF)?
Orrstown Financial Services Inc has 50 recent SEC filings from Jan 2024 to May 2026, including 25 8-K, 8 13F-HR, 6 10-Q. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of ORRF filings?
Across 50 filings, the sentiment breakdown is: 2 bullish, 1 bearish, 46 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Orrstown Financial Services Inc SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Orrstown Financial Services Inc (ORRF) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Orrstown Financial Services Inc?
Key financial highlights from Orrstown Financial Services Inc's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for ORRF?
The investment thesis for ORRF includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Orrstown Financial Services Inc?
Key executives identified across Orrstown Financial Services Inc's filings include Pennsylvania, Maryland, David R. Binkley, Robert J. Brubaker, Thomas R. Quinn and 5 others.
What are the main risk factors for Orrstown Financial Services Inc stock?
Of ORRF's 37 assessed filings, 0 were flagged high-risk, 12 medium-risk, and 25 low-risk.
What are recent predictions and forward guidance from Orrstown Financial Services Inc?
Recent forward-looking statements from Orrstown Financial Services Inc include guidance on {"claim":"Vanguard will maintain its significant, passive stake in Orrstown Financial Services Inc. for the foreseeable and 1 other predictions.