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Stock comparison · Signal date 2026-11-03

ORRF vs QCRH: stock comparison and AI forecast

Orrstown Financial Services Inc (ORRF) and Qcr Holdings Inc (QCRH) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market

Share
Nasdaq · State Commercial Banks

ORRF Orrstown Financial Services Inc

Market Cap
$864M
P/E Ratio
8.2x
Size
small-cap
AI Forecast
Full analysis →
Nasdaq · State Commercial Banks

QCRH Qcr Holdings Inc

Market Cap
$1.69B
P/E Ratio
12.3x
Size
small-cap
AI Forecast
Full analysis →
Model output

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.

ORRF · QCRH

Key facts

  • QCRH is 2.0 times larger than ORRF by market capitalization ($1.69B against $864M).
  • ORRF trades at 8.2 times trailing earnings, QCRH at 12.2 times.
  • QCRH turns 37.5% of its revenue into net income, against 33.8% for ORRF.
  • ORRF carries 8.03 times debt per unit of equity, against 7.28 times for QCRH.
  • ORRF yields 2.58% in dividends and QCRH 0.28%.
  • Both companies share the SEC industry classification State Commercial Banks.
Fundamentals

Fundamentals side by side

Trailing twelve months.

Valuation & Market

MetricORRFQCRH
Market Cap$864M$1.69B
P/E Ratio8.16x12.25x
P/B Ratio1.39x1.47x
Dividend Yield2.58%0.28%
EPS$5.38$8.44
Book Value/Share$31.60$70.21
Revenue/Share$12.98$23.16
FCF/Share$4.36$48.41

Profitability & Margins

MetricORRFQCRH
ROE13.9%12.3%
ROA1.5%1.5%
Net Margin33.8%37.5%
EBT Margin42.0%40.7%
Tax Rate19.6%8.1%

Financial Health

MetricORRFQCRH
D/E Ratio8.03x7.28x
Financial Leverage9.03x8.28x

Cash Flow

MetricORRFQCRH
Operating Cash Flow$88M$859M
Free Cash Flow$86M$793M
Capital Spending-$2M-$66M
OCF Growth YoY71.2%89.1%
FCF Growth YoY83.5%95.8%
FCF/Sales33.5%209.0%
CapEx/Sales0.8%17.4%

Operational Efficiency

MetricORRFQCRH
Asset Turnover0.05x0.04x
Fixed Assets Turnover5.1x1.6x

Income Statement

MetricORRFQCRH
Total Revenue$255M$379M
Net Income$86M$142M

Dividend & Shareholder Information

MetricORRFQCRH
Dividends Per Share$1.13$0.29
Payout Ratio21.0%3.4%
Shares Outstanding20M16M
Net Income Growth99.5%25.9%
EPS Growth205.7%27.1%
FAQ

ORRF vs QCRH: stock comparison and AI forecast

Which is bigger, ORRF or QCRH?

QCRH is 2.0 times larger than ORRF by market capitalization ($1.69B against $864M).

Which is cheaper on earnings, ORRF or QCRH?

ORRF trades at 8.2 times trailing earnings, QCRH at 12.2 times.

Which one does Intratio's AI model rank higher, ORRF or QCRH?

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.