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Orrstown Financial Services (ORRF) Competitors

Orrstown Financial Services logo
$36.90 +0.39 (+1.07%)
Closing price 05/5/2026 04:00 PM Eastern
Extended Trading
$36.80 -0.10 (-0.27%)
As of 05/5/2026 06:56 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.

ORRF vs. CATY, FRME, IBCP, MBWM, and SHBI

Should you be buying Orrstown Financial Services stock or one of its competitors? The main competitors of Orrstown Financial Services include Cathay General Bancorp (CATY), First Merchants (FRME), Independent Bank (IBCP), Mercantile Bank (MBWM), and Shore Bancshares (SHBI). These companies are all part of the "finance" sector.

How does Orrstown Financial Services compare to Cathay General Bancorp?

Orrstown Financial Services (NASDAQ:ORRF) and Cathay General Bancorp (NASDAQ:CATY) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their valuation, earnings, profitability, dividends, risk, institutional ownership, media sentiment and analyst recommendations.

Orrstown Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 3.3%. Cathay General Bancorp pays an annual dividend of $1.52 per share and has a dividend yield of 2.7%. Orrstown Financial Services pays out 27.5% of its earnings in the form of a dividend. Cathay General Bancorp pays out 31.3% 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 raised 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.

In the previous week, Cathay General Bancorp had 4 more articles in the media than Orrstown Financial Services. MarketBeat recorded 8 mentions for Cathay General Bancorp and 4 mentions for Orrstown Financial Services. Cathay General Bancorp's average media sentiment score of 0.50 beat Orrstown Financial Services' score of 0.21 indicating that Cathay General Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Orrstown Financial Services
0 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Cathay General Bancorp
2 Very Positive mention(s)
3 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Orrstown Financial Services has a beta of 0.71, suggesting that its share price is 29% less volatile than the S&P 500. Comparatively, Cathay General Bancorp has a beta of 0.87, suggesting that its share price is 13% less volatile than the S&P 500.

44.3% of Orrstown Financial Services shares are held by institutional investors. Comparatively, 75.0% of Cathay General Bancorp shares are held by institutional investors. 4.3% of Orrstown Financial Services shares are held by insiders. Comparatively, 4.8% of Cathay General Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Orrstown Financial Services presently has a consensus price target of $42.00, indicating a potential upside of 13.82%. Cathay General Bancorp has a consensus price target of $52.00, indicating a potential downside of 8.95%. Given Orrstown Financial Services' stronger consensus rating and higher probable upside, analysts clearly believe Orrstown Financial Services is more favorable than Cathay General Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Orrstown Financial Services
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.75
Cathay General Bancorp
1 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.17

Cathay General Bancorp has a net margin of 23.79% compared to Orrstown Financial Services' net margin of 23.58%. Orrstown Financial Services' return on equity of 14.96% beat Cathay General Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Orrstown Financial Services23.58% 14.96% 1.56%
Cathay General Bancorp 23.79%11.37%1.38%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Orrstown Financial Services$356.05M2.03$80.86M$4.378.44
Cathay General Bancorp$1.38B2.76$315.12M$4.8511.78

Summary

Cathay General Bancorp beats Orrstown Financial Services on 11 of the 19 factors compared between the two stocks.

How does Orrstown Financial Services compare to First Merchants?

First Merchants (NASDAQ:FRME) and Orrstown Financial Services (NASDAQ:ORRF) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, earnings, risk, valuation, institutional ownership, media sentiment, dividends and analyst recommendations.

Orrstown Financial Services has a net margin of 23.58% compared to First Merchants' net margin of 18.87%. Orrstown Financial Services' return on equity of 14.96% beat First Merchants' return on equity.

Company Net Margins Return on Equity Return on Assets
First Merchants18.87% 9.58% 1.21%
Orrstown Financial Services 23.58%14.96%1.56%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
First Merchants$1.05B2.44$226M$3.4011.93
Orrstown Financial Services$356.05M2.03$80.86M$4.378.44

First Merchants presently has a consensus price target of $48.33, indicating a potential upside of 19.19%. Orrstown Financial Services has a consensus price target of $42.00, indicating a potential upside of 13.82%. Given First Merchants' higher probable upside, equities analysts plainly believe First Merchants is more favorable than Orrstown Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Merchants
0 Sell rating(s)
3 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.50
Orrstown Financial Services
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.75

73.9% of First Merchants shares are owned by institutional investors. Comparatively, 44.3% of Orrstown Financial Services shares are owned by institutional investors. 1.8% of First Merchants shares are owned by insiders. Comparatively, 4.3% of Orrstown Financial Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

First Merchants pays an annual dividend of $1.44 per share and has a dividend yield of 3.6%. Orrstown Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 3.3%. First Merchants pays out 42.4% of its earnings in the form of a dividend. Orrstown Financial Services pays out 27.5% 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. First Merchants has raised its dividend for 13 consecutive years and Orrstown Financial Services has raised its dividend for 10 consecutive years. First Merchants is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

In the previous week, Orrstown Financial Services had 2 more articles in the media than First Merchants. MarketBeat recorded 4 mentions for Orrstown Financial Services and 2 mentions for First Merchants. First Merchants' average media sentiment score of 0.58 beat Orrstown Financial Services' score of 0.21 indicating that First Merchants is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
First Merchants
0 Very Positive mention(s)
2 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Orrstown Financial Services
0 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

First Merchants has a beta of 0.86, suggesting that its share price is 14% less volatile than the S&P 500. Comparatively, Orrstown Financial Services has a beta of 0.71, suggesting that its share price is 29% less volatile than the S&P 500.

Summary

First Merchants beats Orrstown Financial Services on 10 of the 18 factors compared between the two stocks.

How does Orrstown Financial Services compare to Independent Bank?

Independent Bank (NASDAQ:IBCP) and Orrstown Financial Services (NASDAQ:ORRF) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, earnings, risk, valuation, institutional ownership, media sentiment, dividends and analyst recommendations.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Independent Bank$315.38M2.19$68.54M$3.3510.01
Orrstown Financial Services$356.05M2.03$80.86M$4.378.44

Orrstown Financial Services has a net margin of 23.58% compared to Independent Bank's net margin of 22.02%. Orrstown Financial Services' return on equity of 14.96% beat Independent Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
Independent Bank22.02% 14.32% 1.28%
Orrstown Financial Services 23.58%14.96%1.56%

Independent Bank presently has a consensus price target of $37.00, indicating a potential upside of 10.38%. Orrstown Financial Services has a consensus price target of $42.00, indicating a potential upside of 13.82%. Given Orrstown Financial Services' stronger consensus rating and higher probable upside, analysts plainly believe Orrstown Financial Services is more favorable than Independent Bank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Independent Bank
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33
Orrstown Financial Services
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.75

79.4% of Independent Bank shares are owned by institutional investors. Comparatively, 44.3% of Orrstown Financial Services shares are owned by institutional investors. 5.9% of Independent Bank shares are owned by insiders. Comparatively, 4.3% of Orrstown Financial Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Independent Bank has a beta of 0.71, suggesting that its share price is 29% less volatile than the S&P 500. Comparatively, Orrstown Financial Services has a beta of 0.71, suggesting that its share price is 29% less volatile than the S&P 500.

In the previous week, Orrstown Financial Services had 2 more articles in the media than Independent Bank. MarketBeat recorded 4 mentions for Orrstown Financial Services and 2 mentions for Independent Bank. Independent Bank's average media sentiment score of 0.92 beat Orrstown Financial Services' score of 0.21 indicating that Independent Bank is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Independent Bank
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Orrstown Financial Services
0 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Independent Bank pays an annual dividend of $1.12 per share and has a dividend yield of 3.3%. Orrstown Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 3.3%. Independent Bank pays out 33.4% of its earnings in the form of a dividend. Orrstown Financial Services pays out 27.5% 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. Independent Bank has raised its dividend for 11 consecutive years and Orrstown Financial Services has raised its dividend for 10 consecutive years. Independent Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Orrstown Financial Services beats Independent Bank on 11 of the 18 factors compared between the two stocks.

How does Orrstown Financial Services compare to Mercantile Bank?

Orrstown Financial Services (NASDAQ:ORRF) and Mercantile Bank (NASDAQ:MBWM) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, earnings, risk, profitability, analyst recommendations, dividends, media sentiment and valuation.

44.3% of Orrstown Financial Services shares are owned by institutional investors. Comparatively, 58.6% of Mercantile Bank shares are owned by institutional investors. 4.3% of Orrstown Financial Services shares are owned by insiders. Comparatively, 2.5% of Mercantile Bank shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Mercantile Bank has a net margin of 24.19% compared to Orrstown Financial Services' net margin of 23.58%. Orrstown Financial Services' return on equity of 14.96% beat Mercantile Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
Orrstown Financial Services23.58% 14.96% 1.56%
Mercantile Bank 24.19%14.06%1.47%

Orrstown Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 3.3%. Mercantile Bank pays an annual dividend of $1.56 per share and has a dividend yield of 3.0%. Orrstown Financial Services pays out 27.5% of its earnings in the form of a dividend. Mercantile Bank pays out 28.0% 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 raised its dividend for 10 consecutive years and Mercantile Bank has raised its dividend for 14 consecutive years. Orrstown Financial Services is clearly the better dividend stock, given its higher yield and lower payout ratio.

Orrstown Financial Services has a beta of 0.71, indicating that its share price is 29% less volatile than the S&P 500. Comparatively, Mercantile Bank has a beta of 0.81, indicating that its share price is 19% less volatile than the S&P 500.

In the previous week, Orrstown Financial Services had 2 more articles in the media than Mercantile Bank. MarketBeat recorded 4 mentions for Orrstown Financial Services and 2 mentions for Mercantile Bank. Mercantile Bank's average media sentiment score of 1.51 beat Orrstown Financial Services' score of 0.21 indicating that Mercantile Bank is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Orrstown Financial Services
0 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Mercantile Bank
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Orrstown Financial Services$356.05M2.03$80.86M$4.378.44
Mercantile Bank$371.80M2.41$88.75M$5.579.33

Orrstown Financial Services currently has a consensus target price of $42.00, indicating a potential upside of 13.82%. Mercantile Bank has a consensus target price of $56.20, indicating a potential upside of 8.10%. Given Orrstown Financial Services' stronger consensus rating and higher probable upside, equities research analysts clearly believe Orrstown Financial Services is more favorable than Mercantile Bank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Orrstown Financial Services
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.75
Mercantile Bank
0 Sell rating(s)
3 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.57

Summary

Mercantile Bank beats Orrstown Financial Services on 11 of the 19 factors compared between the two stocks.

How does Orrstown Financial Services compare to Shore Bancshares?

Orrstown Financial Services (NASDAQ:ORRF) and Shore Bancshares (NASDAQ:SHBI) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their institutional ownership, earnings, risk, profitability, analyst recommendations, valuation, dividends and media sentiment.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Orrstown Financial Services$356.05M2.03$80.86M$4.378.44
Shore Bancshares$342.72M1.91$59.51M$1.8810.41

In the previous week, Orrstown Financial Services and Orrstown Financial Services both had 4 articles in the media. Shore Bancshares' average media sentiment score of 0.92 beat Orrstown Financial Services' score of 0.21 indicating that Shore Bancshares is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Orrstown Financial Services
0 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Shore Bancshares
1 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

44.3% of Orrstown Financial Services shares are owned by institutional investors. Comparatively, 59.8% of Shore Bancshares shares are owned by institutional investors. 4.3% of Orrstown Financial Services shares are owned by insiders. Comparatively, 8.7% of Shore Bancshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Orrstown Financial Services has a beta of 0.71, indicating that its share price is 29% less volatile than the S&P 500. Comparatively, Shore Bancshares has a beta of 0.83, indicating that its share price is 17% less volatile than the S&P 500.

Orrstown Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 3.3%. Shore Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 2.5%. Orrstown Financial Services pays out 27.5% of its earnings in the form of a dividend. Shore Bancshares pays out 25.5% 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 raised 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.

Orrstown Financial Services currently has a consensus target price of $42.00, indicating a potential upside of 13.82%. Shore Bancshares has a consensus target price of $21.33, indicating a potential upside of 8.95%. Given Orrstown Financial Services' higher possible upside, research analysts clearly believe Orrstown Financial Services is more favorable than Shore Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Orrstown Financial Services
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.75
Shore Bancshares
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
3.00

Orrstown Financial Services has a net margin of 23.58% compared to Shore Bancshares' net margin of 18.20%. Orrstown Financial Services' return on equity of 14.96% beat Shore Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Orrstown Financial Services23.58% 14.96% 1.56%
Shore Bancshares 18.20%11.97%1.12%

Summary

Orrstown Financial Services beats Shore Bancshares on 10 of the 18 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding ORRF and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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ORRF vs. The Competition

MetricOrrstown Financial ServicesBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$716.32M$1.09B$13.34B$11.76B
Dividend Yield3.29%2.73%5.80%5.26%
P/E Ratio8.4416.8923.2727.07
Price / Sales2.032.29181.7473.40
Price / Cash9.5223.5620.2453.90
Price / Book1.221.173.436.69
Net Income$80.86M$75.56M$1.11B$332.64M
7 Day Performance1.01%1.08%0.84%3.07%
1 Month Performance0.54%3.56%4.12%7.80%
1 Year Performance23.58%25.10%13.82%41.57%

Orrstown Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
ORRF
Orrstown Financial Services
3.8773 of 5 stars
$36.90
+1.1%
$42.00
+13.8%
+22.3%$716.32M$356.05M8.44430
CATY
Cathay General Bancorp
2.5283 of 5 stars
$55.73
+0.2%
$52.00
-6.7%
+33.7%$3.72B$1.38B11.491,268
FRME
First Merchants
4.5344 of 5 stars
$40.48
+0.4%
$48.33
+19.4%
+9.6%$2.55B$1.05B11.912,086
IBCP
Independent Bank
4.4291 of 5 stars
$34.18
+2.0%
$37.00
+8.3%
+7.0%$689.92M$315.38M10.20920
MBWM
Mercantile Bank
3.9131 of 5 stars
$51.97
+1.4%
$56.20
+8.1%
+20.2%$885.68M$371.80M9.33670

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This page (NASDAQ:ORRF) was last updated on 5/6/2026 by MarketBeat.com Staff.
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