ORRF PEER ANALYSIS

Orrstown Financial Services Inc — metric-by-metric comparison with peers and the industry median

ORRFOrrstown Financial Services Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

ORRFIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	ORRF	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
P/E	9.37	9.16	2.96●	13.38	20.06	116.44	12.88
P/B	1.31	1.41	0.71	1.41	3.18	0.68●	1.29
EV/EBITDA	0.50	-8.43●	2.21	14.82	1.78	306.37	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ORRF	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Current Ratio	52.80●	0.25	—	0.12	—	0.01	0.31
Debt/Equity	43.6%	17.0%	0.0%●	209.8%	0.0%●	744.5%	38.0%
NetDebt/EBITDA	-6.07	-14.68●	-0.47	5.39	-13.41	280.57	-0.58

Profitability
Metric	ORRF	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Net Margin	23.7%	20.1%	54.9%●	25.9%	14.2%	1.4%	20.6%
ROE	14.9%	14.9%	27.4%●	10.6%	17.5%	1.0%	10.9%
ROA	1.5%	0.8%	3.7%●	0.5%	1.2%	0.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	ORRF	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	168.0%●	16.0%	-1.3%	16.2%	8.1%	-80.9%	19.4%
Div. Yield	2.6%	4.8%●	—	3.2%	—	4.7%	2.5%
Payout	25.4%	—	—	—	—	335.1%	31.4%

Valuation
Metric	ORRF	ALRS	SMBK	FISI	SHBI	MPB	Ind. Median
P/E	9.37●	29.16	15.19	9.84	12.26	16.10	12.88
P/B	1.31	1.37	1.43	1.23	1.28	0.93●	1.29
EV/EBITDA	0.50	17.66	0.08●	8.04	8.44	6.29	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ORRF	ALRS	SMBK	FISI	SHBI	MPB	Ind. Median
Current Ratio	52.80●	0.75	1.03	0.04	42.84	0.07	0.31
Debt/Equity	43.6%	52.5%	18.1%	35.6%	16.5%	5.8%●	38.0%
NetDebt/EBITDA	-6.07	3.17	-11.24●	0.39	0.57	-4.79	-0.58

Profitability
Metric	ORRF	ALRS	SMBK	FISI	SHBI	MPB	Ind. Median
Net Margin	23.7%●	8.2%	16.3%	20.9%	18.2%	14.6%	20.6%
ROE	14.9%●	5.0%	9.9%	12.9%	10.9%	6.6%	10.9%
ROA	1.5%●	0.5%	0.9%	1.3%	1.0%	0.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	ORRF	ALRS	SMBK	FISI	SHBI	MPB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	168.0%●	9.9%	38.7%	—	27.0%	0.3%	19.4%
Div. Yield	2.6%	2.7%	0.7%	3.1%●	2.1%	2.4%	2.5%
Payout	25.4%	76.9%	10.3%	33.4%	25.6%	40.1%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.