---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-003716"
form_type: "8-K"
ticker: "ORRF"
cik: "0000826154"
company_name: "ORRSTOWN FINANCIAL SERVICES INC"
filed_at: "2026-01-28T23:59:59+00:00"
generated_at: "2026-05-16T07:15:24.862676+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Orrstown Financial Q4 net income $21.5M; raises quarterly dividend to $0.30

## Summary
- Net income $21.5M ($1.11 diluted EPS) for Q4; annual net income $80.9M ($4.18 EPS), record high.
- Adjusted annual diluted EPS $4.28, up from $3.76 in 2024.
- Net interest margin 4.00% for Q4; loans grew $41M (4% annualized).
- Board declared dividend $0.30/share, payable Feb 17, 2026, a $0.03 increase.
- Tangible book value per share $25.21, up from $24.12; TCE ratio 9.0%.

## SEC filing metadata
- accession: 0001628280-26-003716
- form_type: 8-K
- ticker: ORRF
- cik: 0000826154
- company_name: ORRSTOWN FINANCIAL SERVICES INC
- filed_at: 2026-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/826154/000162828026003716/0001628280-26-003716-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/826154/000162828026003716/orrf-20260127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-003716
- JSON: https://secwatch.observer/filing/0001628280-26-003716.json
- Plain text: https://secwatch.observer/filing/0001628280-26-003716.txt

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