ORRF vs WRLD
Valuation
Profitability
Growth
Financial Health
Dividends
AI Verdict
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.
WRLD exhibits significant valuation misalignment, trading at $152.08 despite a Graham Number of $113.74 and an Intrinsic Value of $54.46. The Piotroski F-Score of 4/9 indicates only stable health, while financial performance has deteriorated sharply with a -107.8% YoY EPS growth and four consecutive earnings misses. Bearish insider activity from the CEO and CFO, combined with a technical trend of 0/100, suggests a lack of confidence in current price levels. The company's reliance on subprime installment loans exposes it to high credit risk and regulatory scrutiny.
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ORRF vs WRLD: Head-to-Head Comparison
This page compares Orrstown Financial Services, Inc. (ORRF) and World Acceptance Corporation (WRLD) 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.