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Screener Weekly Summary Pricing

Financial Institutions, Inc. (FISI) vs Orrstown Financial Services Inc (ORRF)

Financial Institutions, Inc. and Orrstown Financial Services Inc are both Banks Regional companies. Financial Institutions, Inc. and Orrstown Financial Services Inc are of similar size ($823.2M and $788.6M). Orrstown Financial Services Inc trades at the lower P/E: 9.3× against 9.8×. Financial Institutions, Inc. grew revenue faster over the last twelve months: 46.3% against −0.52%. Orrstown Financial Services Inc has the higher net margin (24.0% vs 21.4%) and the higher return on invested capital (14.7% vs 10.0%). Both pay a dividend; Financial Institutions, Inc. yields more (6.57% vs 3.19%). Across the 20 metrics below, Orrstown Financial Services Inc leads on 14 and Financial Institutions, Inc. on 6.

Valuation

Metric FISI ORRF Banks Regional median
P/E 9.84 9.30 12.15
P/S 2.09 2.24 2.37
P/B 1.26 1.30 1.21
Price to free cash flow 14.06 9.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.03 1.79 2.27
Earnings yield 10.17% 10.75% 8.11%
Free cash flow yield 7.11% 10.62% 8.98%

Profitability

Metric FISI ORRF Banks Regional median
Gross margin 67.21% 71.33% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.40% 24.00% 18.66%
Free cash flow margin 14.85% 23.83% 21.18%
Return on equity 13.41% 14.75% 10.64%
Return on assets 1.30% 1.57% 1.13%
Return on invested capital 10.00% 14.67% 8.33%

Growth

Metric FISI ORRF Banks Regional median
Revenue growth (TTM) 46.26% (0.52%) 6.61%
EPS growth (last fiscal year) 235.94% 182.43% —
Revenue growth, 5-year CAGR 13.07% 22.72% 12.30%
Net income growth, 5-year CAGR 14.77% 25.03% 9.71%

Health

Metric FISI ORRF Banks Regional median
Debt to equity 0.12 0.01 0.22
Current ratio 0.88 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FISI ORRF Banks Regional median
Dividend yield 6.57% 3.19% 3.75%
Payout ratio 0.36 0.34 0.27

Size

Metric FISI ORRF Banks Regional median
Market cap 788.55m 823.17m 921.07m

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