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Independent Bank Corp. (IBCP) vs Orrstown Financial Services Inc (ORRF)

Independent Bank Corp. and Orrstown Financial Services Inc are both Banks Regional companies. Independent Bank Corp. and Orrstown Financial Services Inc are of similar size ($816.1M and $783.4M). Orrstown Financial Services Inc trades at the lower P/E: 9.3× against 10.2×. Independent Bank Corp. grew revenue faster over the last twelve months: 0.86% against −0.52%. Orrstown Financial Services Inc has the higher net margin (24.0% vs 22.3%) and the higher return on invested capital (14.7% vs 10.0%). Both pay a dividend; Independent Bank Corp. yields more (3.09% vs 2.81%). Across the 19 metrics below, Orrstown Financial Services Inc leads on 15 and Independent Bank Corp. on 4.

Valuation

Metric IBCP ORRF Banks Regional median
P/E 10.23 9.28 11.98
P/S 2.28 2.24 2.34
P/B 1.39 1.29 1.19
Price to free cash flow 19.24 9.39 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.78% 10.78% 8.23%
Free cash flow yield 5.20% 10.65% 9.08%

Profitability

Metric IBCP ORRF Banks Regional median
Gross margin 73.96% 71.33% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.32% 24.00% 18.66%
Free cash flow margin 11.86% 23.83% 21.11%
Return on equity 14.38% 14.75% 10.65%
Return on assets 1.29% 1.57% 1.13%
Return on invested capital 10.04% 14.67% 8.35%

Growth

Metric IBCP ORRF Banks Regional median
Revenue growth (TTM) 0.86% (0.52%) 6.98%
EPS growth (last fiscal year) 3.48% 182.43% 18.88%
Revenue growth, 5-year CAGR 7.41% 22.72% 12.38%
Net income growth, 5-year CAGR 4.07% 25.03% 9.71%

Health

Metric IBCP ORRF Banks Regional median
Debt to equity 0.32 0.01 0.22
Current ratio 0.95 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric IBCP ORRF Banks Regional median
Dividend yield 3.09% 2.81% 2.57%
Payout ratio 0.32 0.26 0.30

Size

Metric IBCP ORRF Banks Regional median
Market cap 783.42m 816.09m 913.33m

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