HomeTrust Bancshares, Inc. (HTB) vs Orrstown Financial Services Inc (ORRF)

HomeTrust Bancshares, Inc. and Orrstown Financial Services Inc are both Banks Regional companies. HomeTrust Bancshares, Inc. and Orrstown Financial Services Inc are of similar size ($816.1M and $776.1M). Orrstown Financial Services Inc trades at the lower P/E: 9.3× against 12.2×. Orrstown Financial Services Inc grew revenue faster over the last twelve months: −0.52% against −1.99%. Orrstown Financial Services Inc has the higher net margin (24.0% vs 22.5%) and the higher return on invested capital (14.7% vs 10.5%). Both pay a dividend; Orrstown Financial Services Inc yields more (2.81% vs 1.19%). Across the 19 metrics below, Orrstown Financial Services Inc leads on 13 and HomeTrust Bancshares, Inc. on 6.

Valuation

Metric HTB ORRF Banks Regional median
P/E 12.23 9.28 11.98
P/S 2.66 2.24 2.34
P/B 1.28 1.29 1.19
Price to free cash flow 7.94 9.39 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.18% 10.78% 8.23%
Free cash flow yield 12.59% 10.65% 9.08%

Profitability

Metric HTB ORRF Banks Regional median
Gross margin 74.97% 71.33% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.50% 24.00% 18.66%
Free cash flow margin 33.46% 23.83% 21.11%
Return on equity 11.02% 14.75% 10.65%
Return on assets 1.44% 1.57% 1.13%
Return on invested capital 10.48% 14.67% 8.35%

Growth

Metric HTB ORRF Banks Regional median
Revenue growth (TTM) (1.99%) (0.52%) 6.98%
EPS growth (last fiscal year) 16.25% 182.43% 18.88%
Revenue growth, 5-year CAGR 11.91% 22.72% 12.38%
Net income growth, 5-year CAGR 23.30% 25.03% 9.71%

Health

Metric HTB ORRF Banks Regional median
Debt to equity 0.29 0.01 0.22
Current ratio 1.11 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HTB ORRF Banks Regional median
Dividend yield 1.19% 2.81% 2.57%
Payout ratio 0.15 0.26 0.30

Size

Metric HTB ORRF Banks Regional median
Market cap 776.06m 816.09m 913.33m

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