ORRF vs SPFI: stock comparison and AI forecast
Orrstown Financial Services Inc (ORRF) and South Plains Financial, Inc. (SPFI) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
ORRF Orrstown Financial Services Inc
- Market Cap
- $864M
- P/E Ratio
- 8.2x
- Size
- small-cap
- AI Forecast
SPFI South Plains Financial, Inc.
- Price
- $44.36 +11.1% · 6M
- Market Cap
- $836M
- P/E Ratio
- 12.5x
- 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
- ORRF and SPFI have similar market capitalizations ($864M and $836M).
- ORRF trades at 8.2 times trailing earnings, SPFI at 12.5 times.
- ORRF turns 33.8% of its revenue into net income, against 29.1% for SPFI.
- ORRF carries 8.03 times debt per unit of equity, against 7.56 times for SPFI.
- ORRF yields 2.58% in dividends and SPFI 1.34%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | ORRF | SPFI |
|---|---|---|
| Market Cap | $864M | $836M |
| P/E Ratio | 8.16x | 12.53x |
| P/B Ratio | 1.39x | 1.33x |
| Dividend Yield | 2.58% | 1.34% |
| EPS | $5.38 | $3.54 |
| Book Value/Share | $31.60 | $33.43 |
| Revenue/Share | $12.98 | $11.88 |
| FCF/Share | $4.36 | $4.01 |
Profitability & Margins
| Metric | ORRF | SPFI |
|---|---|---|
| ROE | 13.9% | 10.3% |
| ROA | 1.5% | 1.2% |
| Net Margin | 33.8% | 29.1% |
| EBT Margin | 42.0% | 36.8% |
| Tax Rate | 19.6% | 21.0% |
Financial Health
| Metric | ORRF | SPFI |
|---|---|---|
| D/E Ratio | 8.03x | 7.56x |
| Financial Leverage | 9.03x | 8.56x |
Cash Flow
| Metric | ORRF | SPFI |
|---|---|---|
| Operating Cash Flow | $88M | $81M |
| Free Cash Flow | $86M | $76M |
| Capital Spending | -$2M | -$5M |
| OCF Growth YoY | 71.2% | 28.3% |
| FCF Growth YoY | 83.5% | 29.7% |
| FCF/Sales | 33.5% | 33.7% |
| CapEx/Sales | 0.8% | 2.3% |
Operational Efficiency
| Metric | ORRF | SPFI |
|---|---|---|
| Asset Turnover | 0.05x | 0.04x |
| Fixed Assets Turnover | 5.1x | 4.3x |
Income Statement
| Metric | ORRF | SPFI |
|---|---|---|
| Total Revenue | $255M | $224M |
| Net Income | $86M | $65M |
Dividend & Shareholder Information
| Metric | ORRF | SPFI |
|---|---|---|
| Dividends Per Share | $1.13 | $0.60 |
| Payout Ratio | 21.0% | 16.9% |
| Shares Outstanding | 20M | 19M |
| Net Income Growth | 99.5% | 19.2% |
| EPS Growth | 205.7% | 13.5% |
ORRF vs SPFI: stock comparison and AI forecast
Which is bigger, ORRF or SPFI?
ORRF and SPFI have similar market capitalizations ($864M and $836M).
Which is cheaper on earnings, ORRF or SPFI?
ORRF trades at 8.2 times trailing earnings, SPFI at 12.5 times.
Which one does Intratio's AI model rank higher, ORRF or SPFI?
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.