Orrstown Financial | 10-Q: FY2025 Q3 Revenue: USD 90.5 M

Revenue: As of FY2025 Q3, the actual value is USD 90.5 M.

EPS: As of FY2025 Q3, the actual value is USD 1.13, beating the estimate of USD 1.04.

EBIT: As of FY2025 Q3, the actual value is USD 53.81 M.

Financial Metrics by Segment

Commercial Real Estate

• Owner-Occupied: Total: $629.5 million, Current Period Gross Charge Offs: $340 thousand
• Non-Owner Occupied: Total: $1,255.0 million, Current Period Gross Charge Offs: $0
• Multi-Family: Total: $234.8 million, Current Period Gross Charge Offs: $0
• Non-Owner Occupied Residential: Total: $163.1 million, Current Period Gross Charge Offs: $0

Acquisition and Development

• 1-4 Family Residential Construction: Total: $41.1 million, Current Period Gross Charge Offs: $0
• Commercial and Land Development: Total: $195.2 million, Current Period Gross Charge Offs: $0

Agricultural

• Agricultural: Total: $118.6 million, Current Period Gross Charge Offs: $31 thousand

Commercial and Industrial

• Commercial and Industrial: Total: $479.9 million, Current Period Gross Charge Offs: $741 thousand

Municipal

• Municipal: Total: $28.7 million, Current Period Gross Charge Offs: $0

Residential Mortgage

• First Lien: Total: $476.0 million, Current Period Gross Charge Offs: $75 thousand
• Home Equity - Term: Total: $5.8 million, Current Period Gross Charge Offs: $36 thousand
• Home Equity - Lines of Credit: Total: $311.5 million, Current Period Gross Charge Offs: $23 thousand
• Other - Term: Total: $23.7 million, Current Period Gross Charge Offs: $0

Installment and Other Loans

• Installment and Other Loans: Total: $16.9 million, Current Period Gross Charge Offs: $669 thousand

Future Outlook and Strategy

• Core Business Focus: Orrstown Financial Services, Inc. aims to enhance its market opportunities and expand its branch network through a contiguous footprint in Central and Eastern Pennsylvania and the Greater Baltimore, Maryland area. The merger with Codorus Valley Bancorp, Inc. is expected to create an expanded product suite and increase lending capacity, supporting growth of the existing client base and providing an opportunity to mitigate risks and increase potential returns.
• Non-Core Business: The company has not specified any plans related to divestitures, emerging segments, or exploratory efforts in the provided reference.