Orrstown Financial Services Inc (ORRF) vs Peapack-Gladstone Financial Corporation (PGC)

Orrstown Financial Services Inc and Peapack-Gladstone Financial Corporation are both Banks Regional companies. Orrstown Financial Services Inc and Peapack-Gladstone Financial Corporation are of similar size ($823.2M and $794.6M). Orrstown Financial Services Inc trades at the lower P/E: 9.3× against 15.4×. Peapack-Gladstone Financial Corporation grew revenue faster over the last twelve months: 10.3% against −0.52%. Orrstown Financial Services Inc has the higher net margin (24.0% vs 11.0%) and the higher return on invested capital (14.7% vs 9.80%). Both pay a dividend; Orrstown Financial Services Inc yields more (3.19% vs 0.85%). Across the 20 metrics below, Orrstown Financial Services Inc leads on 12 and Peapack-Gladstone Financial Corporation on 8.

Valuation

Metric ORRF PGC Banks Regional median
P/E 9.30 15.36 12.15
P/S 2.24 1.70 2.37
P/B 1.30 1.16 1.21
Price to free cash flow 9.41 7.81 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.79 1.16 2.27
Earnings yield 10.75% 6.51% 8.11%
Free cash flow yield 10.62% 12.80% 8.98%

Profitability

Metric ORRF PGC Banks Regional median
Gross margin 71.33% 67.79% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.00% 11.04% 18.66%
Free cash flow margin 23.83% 21.80% 21.18%
Return on equity 14.75% 7.86% 10.64%
Return on assets 1.57% 0.68% 1.13%
Return on invested capital 14.67% 9.80% 8.33%

Growth

Metric ORRF PGC Banks Regional median
Revenue growth (TTM) (0.52%) 10.31% 6.61%
EPS growth (last fiscal year) 182.43% 13.51% —
Revenue growth, 5-year CAGR 22.72% 14.34% 12.30%
Net income growth, 5-year CAGR 25.03% 7.34% 9.71%

Health

Metric ORRF PGC Banks Regional median
Debt to equity 0.01 0.00 0.22
Current ratio 0.87 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ORRF PGC Banks Regional median
Dividend yield 3.19% 0.85% 3.75%
Payout ratio 0.34 0.05 0.27

Size

Metric ORRF PGC Banks Regional median
Market cap 823.17m 794.57m 921.07m

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