First Community Bancshares, Inc. (FCBC) vs Orrstown Financial Services Inc (ORRF)

First Community Bancshares, Inc. and Orrstown Financial Services Inc are both Banks Regional companies. First Community Bancshares, Inc. and Orrstown Financial Services Inc are of similar size ($864.7M and $858.8M). Orrstown Financial Services Inc trades at the lower P/E: 9.8× against 14.3×. First Community Bancshares, Inc. grew revenue faster over the last twelve months: 10.9% against −0.52%. First Community Bancshares, Inc. has the higher net margin (28.8% vs 24.0%) and the lower return on invested capital (0.00% vs 14.7%). Both pay a dividend; First Community Bancshares, Inc. yields more (2.77% vs 2.73%). Across the 19 metrics below, Orrstown Financial Services Inc leads on 12 and First Community Bancshares, Inc. on 7.

Valuation

Metric FCBC ORRF Banks Regional median
P/E 14.31 9.80 12.02
P/S 4.18 2.36 2.36
P/B 1.59 1.37 1.23
Price to free cash flow 19.48 9.92 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.99% 10.20% 8.21%
Free cash flow yield 5.13% 10.08% 9.23%

Profitability

Metric FCBC ORRF Banks Regional median
Gross margin 91.46% 71.33% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.84% 24.00% 18.82%
Free cash flow margin 21.46% 23.83% 17.97%
Return on equity 11.38% 14.75% 10.28%
Return on assets 1.75% 1.57% 1.13%
Return on invested capital 0.00% 14.67% 8.45%

Growth

Metric FCBC ORRF Banks Regional median
Revenue growth (TTM) 10.93% (0.52%) 6.37%
EPS growth (last fiscal year) (5.36%) 182.43% 18.85%
Revenue growth, 5-year CAGR 5.21% 22.72% 12.65%
Net income growth, 5-year CAGR 6.31% 25.03% 9.81%

Health

Metric FCBC ORRF Banks Regional median
Debt to equity 0.00 0.01 0.17
Current ratio 1.00 0.87 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCBC ORRF Banks Regional median
Dividend yield 2.77% 2.73% 2.49%
Payout ratio 0.40 0.27 0.29

Size

Metric FCBC ORRF Banks Regional median
Market cap 858.79m 864.72m 934.85m

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