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Orrstown Financial (ORRF) CAO reports 296-share tax withholding

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Orrstown Financial Services, Inc. Chief Accounting Officer Sean Mulcahy reported a Form 4 showing shares withheld to cover taxes on restricted stock. An F-code transaction disposed of 296 shares of restricted common stock at $40.83 per share as a tax-withholding disposition.

After this event, Mulcahy directly held 2,768 shares of Orrstown restricted common stock and 5,946 shares of common stock in total, which the footnotes state include 300 shares owned jointly with his spouse. The restricted stock is time-vested with various vesting dates over the next three years.

Positive

  • None.

Negative

  • None.
Insider Mulcahy Sean
Role Chief Accounting Officer
Type Security Shares Price Value
Tax Withholding Orrstown Financial Services, Inc. Common, Restricted Stock 296 $40.83 $12K
holding Orrstown Financial Services, Inc, Common Stock -- -- --
Holdings After Transaction: Orrstown Financial Services, Inc. Common, Restricted Stock — 2,768 shares (Direct, null); Orrstown Financial Services, Inc, Common Stock — 5,946 shares (Direct, null)
Footnotes (1)
  1. Time-vested restricted stock with various vesting dates over the next three years Includes 300 shares owned jointly with the reporting persons spouse
Tax-withheld shares 296 shares Restricted common stock withheld for taxes, code F
Withholding price $40.83 per share Value used for 296-share tax-withholding disposition
Restricted shares after 2,768 shares Restricted Orrstown common stock held post-transaction
Total common shares after 5,946 shares Direct Orrstown common stock holdings after Form 4
Jointly owned shares 300 shares Shares owned jointly with spouse, included in total
tax-withholding disposition financial
"An F-code transaction disposed of 296 shares of restricted common stock at $40.83 per share as a tax-withholding disposition."
A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.
restricted stock financial
"Time-vested restricted stock with various vesting dates over the next three years"
Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.
time-vested financial
"Time-vested restricted stock with various vesting dates over the next three years"
Time-vested describes a right—such as stock options, restricted shares, or pension benefits—that becomes fully owned by an individual only after they have waited for or worked through a specified period. For investors, it matters because these delayed ownership rules affect when insiders or employees can sell shares, which influences share supply, executive incentives, and the timing of potential stock dilution or insider-driven stock sales.
Form 4 regulatory
"Chief Accounting Officer Sean Mulcahy reported a Form 4 showing shares withheld to cover taxes on restricted stock."
Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.
transaction code F regulatory
"Transaction code F indicates shares withheld to pay an exercise price or tax liability."
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Learn about SEC filing dates
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Mulcahy Sean

(Last)(First)(Middle)
4750 LINDLE ROAD

(Street)
HARRISBURG PENNSYLVANIA 17111

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
ORRSTOWN FINANCIAL SERVICES INC [ ORRF ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
Chief Accounting Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/01/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Orrstown Financial Services, Inc. Common, Restricted Stock07/01/2026F296D$40.832,768(1)D
Orrstown Financial Services, Inc, Common Stock5,946(2)D
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
1. Time-vested restricted stock with various vesting dates over the next three years
2. Includes 300 shares owned jointly with the reporting persons spouse
Remarks:
/s/ Casara I Kieffer as P.O.A.07/02/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did ORRSTOWN FINANCIAL SERVICES INC (ORRF) report for Sean Mulcahy?

ORRSTOWN FINANCIAL SERVICES INC reported that Chief Accounting Officer Sean Mulcahy had shares withheld to cover taxes on restricted stock. The Form 4 reflects a tax-related disposition rather than an open-market sale, providing insight into his equity compensation activity.

How many ORRF shares were involved in Sean Mulcahy’s tax-withholding transaction?

The filing shows 296 shares of Orrstown Financial Services restricted common stock were disposed of in a tax-withholding transaction. These shares were valued at $40.83 per share, reflecting payment of tax liability by delivering securities instead of cash to the issuer.

What does transaction code F mean in the ORRF Form 4 for Sean Mulcahy?

Transaction code F indicates shares withheld to pay an exercise price or tax liability. For Sean Mulcahy, it denotes a tax-withholding disposition on restricted stock, meaning the company retained 296 shares to satisfy taxes rather than Mulcahy selling them in the open market.

How many ORRF shares does Sean Mulcahy hold after the reported Form 4 transaction?

After the reported transaction, Sean Mulcahy directly held 5,946 shares of Orrstown Financial Services common stock. This total includes 2,768 shares of restricted common stock and, according to the footnotes, 300 shares that are owned jointly with his spouse.

What are the vesting terms of Sean Mulcahy’s restricted ORRF stock reported in the filing?

The footnotes describe Mulcahy’s restricted stock as time-vested with various vesting dates over the next three years. This means portions of the restricted shares will become unrestricted over time, conditioned on continued service or other plan requirements specified in the award.