Orrstown Financial Services (ORRF) Competitors

Orrstown Financial Services (NASDAQ:ORRF) and Bread Financial (NYSE:BFH) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, media sentiment, risk, analyst recommendations, community ranking, earnings, dividends and profitability.

Is ORRF or BFH a better dividend stock?

Orrstown Financial Services pays an annual dividend of $1.04 per share and has a dividend yield of 3.5%. Bread Financial pays an annual dividend of $0.84 per share and has a dividend yield of 1.6%. Orrstown Financial Services pays out 53.1% of its earnings in the form of a dividend. Bread Financial pays out 14.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Orrstown Financial Services has increased its dividend for 10 consecutive years. Orrstown Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has more risk & volatility, ORRF or BFH?

Orrstown Financial Services has a beta of 0.79, suggesting that its stock price is 21% less volatile than the S&P 500. Comparatively, Bread Financial has a beta of 1.37, suggesting that its stock price is 37% more volatile than the S&P 500.

Is ORRF or BFH more profitable?

Orrstown Financial Services has a net margin of 7.70% compared to Bread Financial's net margin of 5.75%. Orrstown Financial Services' return on equity of 15.77% beat Bread Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Orrstown Financial Services	7.70%	15.77%	1.42%
Bread Financial	5.75%	12.41%	1.72%

Does the MarketBeat Community favor ORRF or BFH?

Orrstown Financial Services received 224 more outperform votes than Bread Financial when rated by MarketBeat users. Likewise, 61.48% of users gave Orrstown Financial Services an outperform vote while only 20.48% of users gave Bread Financial an outperform vote.

Company	Underperform	Outperform
Orrstown Financial Services	Outperform Votes 241 61.48%	Underperform Votes 151 38.52%
Bread Financial	Outperform Votes 17 20.48%	Underperform Votes 66 79.52%

Do analysts recommend ORRF or BFH?

Orrstown Financial Services currently has a consensus price target of $36.80, suggesting a potential upside of 23.12%. Bread Financial has a consensus price target of $60.27, suggesting a potential upside of 14.81%. Given Orrstown Financial Services' stronger consensus rating and higher probable upside, equities research analysts plainly believe Orrstown Financial Services is more favorable than Bread Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Orrstown Financial Services	0 Sell rating(s)	0 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	3.00
Bread Financial	3 Sell rating(s)	6 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the media prefer ORRF or BFH?

In the previous week, Bread Financial had 12 more articles in the media than Orrstown Financial Services. MarketBeat recorded 15 mentions for Bread Financial and 3 mentions for Orrstown Financial Services. Orrstown Financial Services' average media sentiment score of 1.80 beat Bread Financial's score of 0.94 indicating that Orrstown Financial Services is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Orrstown Financial Services	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Bread Financial	7 Very Positive mention(s)	3 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has higher valuation & earnings, ORRF or BFH?

Bread Financial has higher revenue and earnings than Orrstown Financial Services. Bread Financial is trading at a lower price-to-earnings ratio than Orrstown Financial Services, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Orrstown Financial Services	$216.96M	2.69	$22.05M	$1.96	15.25
Bread Financial	$3.82B	0.64	$277M	$5.63	9.33

Do institutionals & insiders believe in ORRF or BFH?

44.3% of Orrstown Financial Services shares are held by institutional investors. Comparatively, 99.5% of Bread Financial shares are held by institutional investors. 4.7% of Orrstown Financial Services shares are held by company insiders. Comparatively, 0.9% of Bread Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Summary

Orrstown Financial Services beats Bread Financial on 13 of the 21 factors compared between the two stocks.