Eagle Bancorp, Inc. (EGBN) vs Orrstown Financial Services Inc (ORRF)

Eagle Bancorp, Inc. and Orrstown Financial Services Inc are both Banks Regional companies. Eagle Bancorp, Inc. and Orrstown Financial Services Inc are of similar size ($863.3M and $823.2M). Eagle Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Orrstown Financial Services Inc trades at 9.3×. Orrstown Financial Services Inc grew revenue faster over the last twelve months: −0.52% against −11.5%. Orrstown Financial Services Inc has the higher net margin (24.0% vs −8.11%) and the higher return on invested capital (14.7% vs −6.83%). Both pay a dividend; Eagle Bancorp, Inc. yields more (7.85% vs 3.19%). Across the 19 metrics below, Orrstown Financial Services Inc leads on 15 and Eagle Bancorp, Inc. on 4.

Valuation

Metric EGBN ORRF Banks Regional median
P/E n/m 9.30 12.15
P/S 1.46 2.24 2.37
P/B 0.76 1.30 1.21
Price to free cash flow 16.46 9.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.54 1.79 2.27
Earnings yield (5.59%) 10.75% 8.11%
Free cash flow yield 6.07% 10.62% 8.98%

Profitability

Metric EGBN ORRF Banks Regional median
Gross margin 50.46% 71.33% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (8.11%) 24.00% 18.66%
Free cash flow margin 8.87% 23.83% 21.18%
Return on equity (4.14%) 14.75% 10.64%
Return on assets (0.48%) 1.57% 1.13%
Return on invested capital (6.83%) 14.67% 8.33%

Growth

Metric EGBN ORRF Banks Regional median
Revenue growth (TTM) (11.50%) (0.52%) 6.61%
EPS growth (last fiscal year) (169.87%) 182.43% —
Revenue growth, 5-year CAGR 7.78% 22.72% 12.30%
Net income growth, 5-year CAGR 0.00% 25.03% 9.71%

Health

Metric EGBN ORRF Banks Regional median
Debt to equity 0.07 0.01 0.22
Current ratio 0.87 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EGBN ORRF Banks Regional median
Dividend yield 7.85% 3.19% 3.75%
Payout ratio 0.43 0.34 0.27

Size

Metric EGBN ORRF Banks Regional median
Market cap 863.31m 823.17m 921.07m

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