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ORRF vs V

ORRF
Orrstown Financial Services, Inc.
BULLISH
Price
$38.69
Market Cap
$759.1M
Sector
Financial Services
AI Confidence
75%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
ORRF
9.26
V
28.35
Forward P/E
ORRF
8.94
V
20.79
P/B Ratio
ORRF
1.28
V
15.09
P/S Ratio
ORRF
3.01
V
14.08
EV/EBITDA
ORRF
--
V
20.06

Profitability

Gross Margin
ORRF
0.0%
V
97.78%
Operating Margin
ORRF
47.07%
V
68.3%
Profit Margin
ORRF
32.07%
V
50.23%
ROE
ORRF
14.59%
V
53.95%
ROA
ORRF
1.47%
V
18.36%

Growth

Revenue Growth
ORRF
8.0%
V
14.6%
Earnings Growth
ORRF
55.9%
V
17.4%

Financial Health

Debt/Equity
ORRF
--
V
0.55
Current Ratio
ORRF
--
V
1.11
Quick Ratio
ORRF
--
V
0.72

Dividends

Dividend Yield
ORRF
2.84%
V
0.89%
Payout Ratio
ORRF
25.36%
V
22.91%

AI Verdict

ORRF BULLISH

ORRF presents a compelling value opportunity, trading significantly below its Graham Number ($53.4) and Intrinsic Value ($123.31). While the Piotroski F-Score of 3/9 indicates weak short-term financial health trends, this is offset by an exceptional earnings track record with consistent beats over 25 quarters and a strong ROE of 14.59%. The stock is fundamentally undervalued with a P/E of 9.26, though bearish insider activity and technical trends suggest a period of consolidation before a potential breakout.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional earnings growth (55.9% YoY) and consistent EPS beats
Strong profitability metrics with 14.59% ROE and 1.47% ROA
Risks
Weak Piotroski F-Score (3/9) suggesting deteriorating fundamental health
Bearish insider sentiment with recent sales by the CEO and other officers
Strongly bearish technical trend (10/100)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

ORRF vs V: Head-to-Head Comparison

This page compares Orrstown Financial Services, Inc. (ORRF) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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