Pricing Log in Create free account

Alerus Financial (ALRS) vs Orrstown Financial Services Inc (ORRF)

Alerus Financial and Orrstown Financial Services Inc are both Banks Regional companies. Alerus Financial and Orrstown Financial Services Inc are of similar size ($864.7M and $837.6M). Orrstown Financial Services Inc trades at the lower P/E: 9.8× against 28.4×. Orrstown Financial Services Inc grew revenue faster over the last twelve months: −0.52% against −15.0%. Orrstown Financial Services Inc has the higher net margin (24.0% vs 8.81%) and the higher return on invested capital (14.7% vs 4.30%). Both pay a dividend; Orrstown Financial Services Inc yields more (2.73% vs 2.55%). Across the 19 metrics below, Orrstown Financial Services Inc leads on 15 and Alerus Financial on 4.

Valuation

Metric ALRS ORRF Banks Regional median
P/E 28.36 9.80 12.02
P/S 2.47 2.36 2.36
P/B 1.45 1.37 1.23
Price to free cash flow 9.39 9.92 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.53% 10.20% 8.21%
Free cash flow yield 10.65% 10.08% 9.23%

Profitability

Metric ALRS ORRF Banks Regional median
Gross margin 72.40% 71.33% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.81% 24.00% 18.82%
Free cash flow margin 0.00% 23.83% 17.97%
Return on equity 5.30% 14.75% 10.28%
Return on assets 0.56% 1.57% 1.13%
Return on invested capital 4.30% 14.67% 8.45%

Growth

Metric ALRS ORRF Banks Regional median
Revenue growth (TTM) (15.00%) (0.52%) 6.37%
EPS growth (last fiscal year) (18.07%) 182.43% 18.85%
Revenue growth, 5-year CAGR 6.19% 22.72% 12.65%
Net income growth, 5-year CAGR (16.83%) 25.03% 9.81%

Health

Metric ALRS ORRF Banks Regional median
Debt to equity 0.10 0.01 0.17
Current ratio 0.90 0.87 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ALRS ORRF Banks Regional median
Dividend yield 2.55% 2.73% 2.49%
Payout ratio 0.73 0.27 0.29

Size

Metric ALRS ORRF Banks Regional median
Market cap 837.59m 864.72m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack