Orrstown Financial Services Inc (ORRF) vs South Plains Financial, Inc. (SPFI)

Orrstown Financial Services Inc and South Plains Financial, Inc. are both Banks Regional companies. Orrstown Financial Services Inc and South Plains Financial, Inc. are of similar size ($823.2M and $807.3M). Orrstown Financial Services Inc trades at the lower P/E: 9.3× against 11.3×. South Plains Financial, Inc. grew revenue faster over the last twelve months: 6.59% against −0.52%. Orrstown Financial Services Inc has the higher net margin (24.0% vs 20.8%) and the higher return on invested capital (14.7% vs 0.00%). Both pay a dividend; Orrstown Financial Services Inc yields more (3.19% vs 2.08%). Across the 20 metrics below, Orrstown Financial Services Inc leads on 15 and South Plains Financial, Inc. on 5.

Valuation

Metric ORRF SPFI Banks Regional median
P/E 9.30 11.26 12.15
P/S 2.24 2.62 2.37
P/B 1.30 1.30 1.21
Price to free cash flow 9.41 10.87 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.79 0.30 2.27
Earnings yield 10.75% 8.88% 8.11%
Free cash flow yield 10.62% 9.20% 8.98%

Profitability

Metric ORRF SPFI Banks Regional median
Gross margin 71.33% 72.40% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.00% 20.79% 18.66%
Free cash flow margin 23.83% 24.14% 21.18%
Return on equity 14.75% 12.01% 10.64%
Return on assets 1.57% 1.33% 1.13%
Return on invested capital 14.67% 0.00% 8.33%

Growth

Metric ORRF SPFI Banks Regional median
Revenue growth (TTM) (0.52%) 6.59% 6.61%
EPS growth (last fiscal year) 182.43% 17.81% —
Revenue growth, 5-year CAGR 22.72% 4.36% 12.30%
Net income growth, 5-year CAGR 25.03% 5.21% 9.71%

Health

Metric ORRF SPFI Banks Regional median
Debt to equity 0.01 0.10 0.22
Current ratio 0.87 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ORRF SPFI Banks Regional median
Dividend yield 3.19% 2.08% 3.75%
Payout ratio 0.34 0.13 0.27

Size

Metric ORRF SPFI Banks Regional median
Market cap 823.17m 807.26m 921.07m

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