Great Southern Bancorp, Inc. (GSBC) vs Orrstown Financial Services Inc (ORRF)

Great Southern Bancorp, Inc. and Orrstown Financial Services Inc are both Banks Regional companies. Great Southern Bancorp, Inc. and Orrstown Financial Services Inc are of similar size ($859.1M and $823.2M). Orrstown Financial Services Inc trades at the lower P/E: 9.3× against 13.0×. Orrstown Financial Services Inc grew revenue faster over the last twelve months: −0.52% against −8.85%. Orrstown Financial Services Inc has the higher net margin (24.0% vs 20.7%) and the higher return on invested capital (14.7% vs 10.5%). Both pay a dividend; Great Southern Bancorp, Inc. yields more (3.23% vs 3.19%). Across the 20 metrics below, Orrstown Financial Services Inc leads on 18 and Great Southern Bancorp, Inc. on 2.

Valuation

Metric GSBC ORRF Banks Regional median
P/E 13.00 9.30 12.15
P/S 2.64 2.24 2.37
P/B 1.34 1.30 1.21
Price to free cash flow 19.38 9.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.17 1.79 2.27
Earnings yield 7.69% 10.75% 8.11%
Free cash flow yield 5.16% 10.62% 8.98%

Profitability

Metric GSBC ORRF Banks Regional median
Gross margin 69.71% 71.33% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.72% 24.00% 18.66%
Free cash flow margin 13.64% 23.83% 21.18%
Return on equity 10.65% 14.75% 10.64%
Return on assets 1.18% 1.57% 1.13%
Return on invested capital 10.48% 14.67% 8.33%

Growth

Metric GSBC ORRF Banks Regional median
Revenue growth (TTM) (8.85%) (0.52%) 6.61%
EPS growth (last fiscal year) 17.68% 182.43% —
Revenue growth, 5-year CAGR 6.28% 22.72% 12.30%
Net income growth, 5-year CAGR 3.65% 25.03% 9.71%

Health

Metric GSBC ORRF Banks Regional median
Debt to equity 0.04 0.01 0.22
Current ratio 0.93 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GSBC ORRF Banks Regional median
Dividend yield 3.23% 3.19% 3.75%
Payout ratio 0.25 0.34 0.27

Size

Metric GSBC ORRF Banks Regional median
Market cap 859.05m 823.17m 921.07m

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