IBCP vs ORRF: stock comparison and AI forecast
Independent Bank Corp /Mi/ (IBCP) and Orrstown Financial Services Inc (ORRF) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
IBCP Independent Bank Corp /Mi/
- Market Cap
- $812M
- P/E Ratio
- 10.9x
- Size
- small-cap
- AI Forecast
ORRF Orrstown Financial Services Inc
- Market Cap
- $864M
- P/E Ratio
- 8.2x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- IBCP and ORRF have similar market capitalizations ($812M and $864M).
- ORRF trades at 8.2 times trailing earnings, IBCP at 10.9 times.
- ORRF turns 33.8% of its revenue into net income, against 31.1% for IBCP.
- IBCP carries 9.72 times debt per unit of equity, against 8.03 times for ORRF.
- IBCP yields 2.75% in dividends and ORRF 2.58%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | IBCP | ORRF |
|---|---|---|
| Market Cap | $812M | $864M |
| P/E Ratio | 10.88x | 8.16x |
| P/B Ratio | 1.54x | 1.39x |
| Dividend Yield | 2.75% | 2.58% |
| EPS | $3.36 | $5.38 |
| Book Value/Share | $23.80 | $31.60 |
| Revenue/Share | $10.39 | $12.98 |
| FCF/Share | $1.16 | $4.36 |
Profitability & Margins
| Metric | IBCP | ORRF |
|---|---|---|
| ROE | 13.6% | 13.9% |
| ROA | 1.3% | 1.5% |
| Net Margin | 31.1% | 33.8% |
| EBT Margin | 36.6% | 42.0% |
| Tax Rate | 15.0% | 19.6% |
Financial Health
| Metric | IBCP | ORRF |
|---|---|---|
| D/E Ratio | 9.72x | 8.03x |
| Financial Leverage | 10.72x | 9.03x |
Cash Flow
| Metric | IBCP | ORRF |
|---|---|---|
| Operating Cash Flow | $37M | $88M |
| Free Cash Flow | $26M | $86M |
| Capital Spending | -$11M | -$2M |
| OCF Growth YoY | -55.9% | 71.2% |
| FCF Growth YoY | -65.7% | 83.5% |
| FCF/Sales | 11.2% | 33.5% |
| CapEx/Sales | 4.9% | 0.8% |
Operational Efficiency
| Metric | IBCP | ORRF |
|---|---|---|
| Asset Turnover | 0.04x | 0.05x |
| Fixed Assets Turnover | 5.2x | 5.1x |
Income Statement
| Metric | IBCP | ORRF |
|---|---|---|
| Total Revenue | $231M | $255M |
| Net Income | $72M | $86M |
Dividend & Shareholder Information
| Metric | IBCP | ORRF |
|---|---|---|
| Dividends Per Share | $1.00 | $1.13 |
| Payout Ratio | 29.8% | 21.0% |
| Shares Outstanding | 22M | 20M |
| Net Income Growth | 10.8% | 99.5% |
| EPS Growth | 8.7% | 205.7% |
IBCP vs ORRF: stock comparison and AI forecast
Which is bigger, IBCP or ORRF?
IBCP and ORRF have similar market capitalizations ($812M and $864M).
Which is cheaper on earnings, IBCP or ORRF?
ORRF trades at 8.2 times trailing earnings, IBCP at 10.9 times.
Which one does Intratio's AI model rank higher, IBCP or ORRF?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.