Orrstown Financial Services Inc (ORRF)vsU.S. Bancorp (USB)
ORRF
Orrstown Financial Services Inc
$40.85
-3.81%
FINANCIAL SERVICES · Cap: $802.51M
USB
U.S. Bancorp
$61.73
-0.37%
FINANCIAL SERVICES · Cap: $94.88B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 10335% more annual revenue ($26.65B vs $255.37M). ORRF leads profitability with a 33.1% profit margin vs 29.3%. ORRF trades at a lower P/E of 9.3x. USB earns a higher WallStSmart Score of 69/100 (B-).
ORRF
Buy64
out of 100
Grade: C+
USB
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 47.2%
Earnings expanding 20.4% YoY
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ORRF
The strongest argument for ORRF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.1% and operating margin at 47.2%.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : ORRF
The primary concerns for ORRF are Market Cap, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
ORRF profiles as a mature stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.00 — expect wider price swings.
ORRF is growing revenue faster at 5.4% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (69/100 vs 64/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Orrstown Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Orrstown Financial Services, Inc. is the holding company of Orrstown Bank providing trust and commercial banking services in the United States. The company is headquartered in Shippensburg, Pennsylvania.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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