Orrstown Financial Services Inc (ORRF) vs First Financial Corporation Indiana (THFF)

Orrstown Financial Services Inc and First Financial Corporation Indiana are both Banks Regional companies. Orrstown Financial Services Inc and First Financial Corporation Indiana are of similar size ($910.8M and $864.7M). Orrstown Financial Services Inc trades at the lower P/E: 9.8× against 9.9×. First Financial Corporation Indiana grew revenue faster over the last twelve months: 9.70% against −0.52%. First Financial Corporation Indiana has the higher net margin (24.5% vs 24.0%) and the lower return on invested capital (7.69% vs 14.7%). Both pay a dividend; First Financial Corporation Indiana yields more (2.93% vs 2.73%). Across the 19 metrics below, Orrstown Financial Services Inc leads on 12 and First Financial Corporation Indiana on 7.

Valuation

Metric ORRF THFF Banks Regional median
P/E 9.80 9.94 12.02
P/S 2.36 2.43 2.36
P/B 1.37 1.38 1.23
Price to free cash flow 9.92 8.91 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.20% 10.06% 8.21%
Free cash flow yield 10.08% 11.22% 9.23%

Profitability

Metric ORRF THFF Banks Regional median
Gross margin 71.33% 76.33% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.00% 24.45% 18.82%
Free cash flow margin 23.83% 27.32% 17.97%
Return on equity 14.75% 14.26% 10.28%
Return on assets 1.57% 1.56% 1.13%
Return on invested capital 14.67% 7.69% 8.45%

Growth

Metric ORRF THFF Banks Regional median
Revenue growth (TTM) (0.52%) 9.70% 6.37%
EPS growth (last fiscal year) 182.43% 67.00% 18.85%
Revenue growth, 5-year CAGR 22.72% 11.36% 12.65%
Net income growth, 5-year CAGR 25.03% 8.03% 9.81%

Health

Metric ORRF THFF Banks Regional median
Debt to equity 0.01 0.40 0.17
Current ratio 0.87 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ORRF THFF Banks Regional median
Dividend yield 2.73% 2.93% 2.49%
Payout ratio 0.27 0.29 0.29

Size

Metric ORRF THFF Banks Regional median
Market cap 864.72m 910.80m 934.85m

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