Orrstown Financial [ORRF] vs PNC Financial [PNC] Detailed Stock Comparison

Orrstown Financial Services Inc.

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Orrstown Financial Services Inc. wins in 13 metrics, PNC Financial Services Group, Inc. wins in 6 metrics, with 0 ties. Orrstown Financial Services Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Orrstown Financial Services Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 8.39 12.56 Orrstown Financial Services Inc.
Price-to-Book Ratio 1.21 1.39 Orrstown Financial Services Inc.
Debt-to-Equity Ratio 0.44 1.12 Orrstown Financial Services Inc.
PEG Ratio 0.41 11.84 Orrstown Financial Services Inc.
Profit Margin (TTM) 33.13% 28.75% Orrstown Financial Services Inc.
Operating Margin (TTM) 47.16% 35.28% Orrstown Financial Services Inc.
EBITDA Margin (TTM) 47.16% 35.28% Orrstown Financial Services Inc.
Return on Equity 14.90% 11.33% Orrstown Financial Services Inc.
Return on Assets (TTM) 1.54% 1.09% Orrstown Financial Services Inc.
Free Cash Flow (TTM) $70.50M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 3.78% 3.02% Orrstown Financial Services Inc.
1-Year Return 32.12% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 2.82 3.35 Orrstown Financial Services Inc.
Enterprise Value $820.85M $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 3.21 6.11 Orrstown Financial Services Inc.
Revenue per Share (TTM) $13 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $4.37 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.75 1.07 Orrstown Financial Services Inc.
Short % of Float 4.31% 1.26% PNC Financial Services Group, Inc.

Orrstown Financial Services Inc. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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ORRF
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Orrstown Financial Services Inc.-2.13%3.30%11.08%13.01%2.73%11.97%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Orrstown Financial Services Inc.32.12%105.14%61.90%123.13%58.62%13.95%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: Orrstown Financial Services Inc. vs PNC Financial Services Group, Inc.

MetricORRFPNC
Market Information
Market Cap i$719.07M$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i102,0841,904,080
90 Day Avg. Volume i174,7911,960,760
Last Close$39.09$230.56
52 Week Range$29.39 - $40.72$172.88 - $243.94
% from 52W High-4.00%-5.48%
All-Time High$45.35 (Feb 16, 2004)$243.94 (Feb 06, 2026)
% from All-Time High-13.80%-5.48%
Growth Metrics
Quarterly Revenue Growth0.05%0.05%
Quarterly Earnings Growth0.21%0.11%
Financial Health
Profit Margin (TTM) i0.33%0.29%
Operating Margin (TTM) i0.47%0.35%
Return on Equity (TTM) i0.15%0.11%
Debt to Equity (MRQ) i0.441.12
Cash & Liquidity
Book Value per Share (MRQ)$30.32$127.98
Cash per Share (MRQ)$8.22$27.54
Operating Cash Flow (TTM) i$99.26M$5.61B
Levered Free Cash Flow (TTM) i$80.86M$5.50B
Dividends
Last 12-Month Dividend Yield i3.78%3.02%
Last 12-Month Dividend i$1.36$6.70

Valuation & Enterprise Metrics Analysis: Orrstown Financial Services Inc. vs PNC Financial Services Group, Inc.

MetricORRF (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i8.3912.56
Forward P/E i8.4611.84
PEG Ratio i0.4111.84
Price to Sales (TTM) i2.823.35
Price to Book (MRQ) i1.211.39
Market Capitalization
Market Capitalization i$719.07M$70.31B
Enterprise Value i$820.85M$128.31B
Enterprise Value Metrics
Enterprise to Revenue i3.216.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.751.07
Book Value per Share (MRQ) i$30.32$127.98

Financial Statements Comparison: Orrstown Financial Services Inc. vs PNC Financial Services Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricORRF (2025)PNC (2024)
Revenue/Sales i248.91M20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i102.64M7.24B
Pre-Tax Income % of Revenue i41.2%34.8%
Income Tax i21.78M1.29B
Income Tax % of Revenue i8.8%6.2%
Net Income (Profit) i80.86M5.95B
Profit Margin i32.5%28.6%

Balance Sheet & Liquidity Metrics

MetricORRF (2025)PNC (2024)
Cash & Equivalents i149.77M46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i311.82M61.67B
Long-Term Debt % of Revenue i125.3%296.4%
Total Shareholders Equity i591.54M54.47B
Retained Earnings i186.75M59.28B
Retained Earnings % of Revenue i75.0%284.9%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricORRF (2025)PNC (2024)
Operating Cash Flow i99.26M7.96B
Operating Cash Flow % of Revenue i39.9%38.3%
Capital Expenditures i-4.22MN/A
Free Cash Flow i70.50M7.88B
FCF Margin i28.3%37.9%
Debt Repayment i-47.50M-23.75B
Common Stock Repurchase i-2.27M-1.19B

Short Interest & Institutional Ownership Analysis

MetricORRFPNC
Shares Short i808,7534.98M
Short Ratio i3.752.41
Short % of Float i4.31%1.26%
Shares Outstanding i19.61M395.94M
Float Shares i18.67M392.38M
% Held by Insiders i3.93%0.38%
% Held by Institutions i60.58%85.29%
% Held by Public i35.49%14.33%

Dividend Analysis & Yield Comparison: Orrstown Financial Services Inc. vs PNC Financial Services Group, Inc.

MetricORRFPNC
Last 12-Month Dividend i$1.36$6.70
Last 12-Month Dividend Yield i3.78%3.02%
3-Year Avg Annual Dividend i$1.01$6.40
3-Year Avg Dividend Yield i0.83%1.00%
3-Year Total Dividends i$3.02$19.20
Ex-Dividend DateFeb 10, 2026Jan 20, 2026