---
schema_version: "secwatch.filing_event.v1"
accession: "0000826154-25-000012"
form_type: "8-K"
ticker: "ORRF"
cik: "0000826154"
company_name: "ORRSTOWN FINANCIAL SERVICES INC"
filed_at: "2025-01-31T23:59:59+00:00"
generated_at: "2026-05-27T05:01:56.660652+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.72
calibrated_materiality_score: 0.72
confidence: "high"
source: SEC EDGAR
---

# Orrstown Q4 net income $13.7M ($0.71 EPS); raises dividend 13% to $0.26

## Summary
- Net income of $13.7M vs Q3 net loss of $7.9M; adjusted net income $16.7M ($0.87 EPS).
- Quarterly dividend increased 13% to $0.26 per share, payable Feb 21, 2025.
- Net interest margin (tax-equivalent) 4.05% vs 4.14% prior Q; net accretion of $7.2M.
- Loans declined $50.2M to $3.9B due to strategic de-risking; classified loans down $16.9M.
- Achieved 18% cost-save target for combined operating run rate; merger expenses $3.9M vs $17M Q3.

## SEC filing metadata
- accession: 0000826154-25-000012
- form_type: 8-K
- ticker: ORRF
- cik: 0000826154
- company_name: ORRSTOWN FINANCIAL SERVICES INC
- filed_at: 2025-01-31T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.72
- calibrated_materiality_score: 0.72
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/826154/000082615425000012/0000826154-25-000012-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/826154/000082615425000012/orrf-20250131.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000826154-25-000012
- JSON: https://secwatch.observer/filing/0000826154-25-000012.json
- Plain text: https://secwatch.observer/filing/0000826154-25-000012.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.