Orrstown Financial [ORRF] vs U.S. Bancorp [USB] Detailed Stock Comparison

Orrstown Financial Services Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Orrstown Financial Services Inc. wins in 12 metrics, U.S. Bancorp wins in 7 metrics, with 0 ties. Orrstown Financial Services Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Orrstown Financial Services Inc. U.S. Bancorp Better
P/E Ratio (TTM) 8.39 11.92 Orrstown Financial Services Inc.
Price-to-Book Ratio 1.21 1.51 Orrstown Financial Services Inc.
Debt-to-Equity Ratio 0.44 1.21 Orrstown Financial Services Inc.
PEG Ratio 0.41 0.82 Orrstown Financial Services Inc.
Profit Margin (TTM) 33.13% 29.29% Orrstown Financial Services Inc.
Operating Margin (TTM) 47.16% 37.84% Orrstown Financial Services Inc.
EBITDA Margin (TTM) 47.16% 37.84% Orrstown Financial Services Inc.
Return on Equity 14.90% 12.35% Orrstown Financial Services Inc.
Return on Assets (TTM) 1.54% 1.14% Orrstown Financial Services Inc.
Free Cash Flow (TTM) $70.50M $7.97B U.S. Bancorp
Dividend Yield 3.78% 3.82% U.S. Bancorp
1-Year Return 32.12% 37.10% U.S. Bancorp
Price-to-Sales Ratio (TTM) 2.82 3.32 Orrstown Financial Services Inc.
Enterprise Value $820.85M $126.46B U.S. Bancorp
EV/Revenue Ratio 3.21 4.75 Orrstown Financial Services Inc.
Revenue per Share (TTM) $13 $17 U.S. Bancorp
Earnings per Share (Diluted) $4.37 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.75 1.03 Orrstown Financial Services Inc.
Short % of Float 4.31% 0.00% U.S. Bancorp

Orrstown Financial Services Inc. vs U.S. Bancorp Stock Performance Analysis

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ORRF
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Orrstown Financial Services Inc.-2.13%3.30%11.08%13.01%2.73%11.97%
U.S. Bancorp-1.95%4.41%8.79%12.96%7.60%7.16%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Orrstown Financial Services Inc.32.12%105.14%61.90%123.13%58.62%13.95%
U.S. Bancorp37.10%76.20%7.67%43.37%140.67%88.43%

Performance & Financial Health Analysis: Orrstown Financial Services Inc. vs U.S. Bancorp

MetricORRFUSB
Market Information
Market Cap i$719.07M$88.06B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i102,0849,829,002
90 Day Avg. Volume i174,79110,401,007
Last Close$39.09$57.79
52 Week Range$29.39 - $40.72$42.55 - $61.19
% from 52W High-4.00%-5.56%
All-Time High$45.35 (Feb 16, 2004)$63.57 (Jan 10, 2022)
% from All-Time High-13.80%-9.09%
Growth Metrics
Quarterly Revenue Growth0.05%0.05%
Quarterly Earnings Growth0.21%0.14%
Financial Health
Profit Margin (TTM) i0.33%0.29%
Operating Margin (TTM) i0.47%0.38%
Return on Equity (TTM) i0.15%0.12%
Debt to Equity (MRQ) i0.441.21
Cash & Liquidity
Book Value per Share (MRQ)$30.32$37.54
Cash per Share (MRQ)$8.22$31.14
Operating Cash Flow (TTM) i$99.26M$6.04B
Levered Free Cash Flow (TTM) i$80.86M$7.19B
Dividends
Last 12-Month Dividend Yield i3.78%3.82%
Last 12-Month Dividend i$1.36$2.04

Valuation & Enterprise Metrics Analysis: Orrstown Financial Services Inc. vs U.S. Bancorp

MetricORRF (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.3911.92
Forward P/E i8.4610.09
PEG Ratio i0.410.82
Price to Sales (TTM) i2.823.32
Price to Book (MRQ) i1.211.51
Market Capitalization
Market Capitalization i$719.07M$88.06B
Enterprise Value i$820.85M$126.46B
Enterprise Value Metrics
Enterprise to Revenue i3.214.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.751.03
Book Value per Share (MRQ) i$30.32$37.54

Financial Statements Comparison: Orrstown Financial Services Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricORRF (2025)USB (2025)
Revenue/Sales i248.91M28.54B
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 i102.64M9.52B
Pre-Tax Income % of Revenue i41.2%33.3%
Income Tax i21.78M1.92B
Income Tax % of Revenue i8.8%6.7%
Net Income (Profit) i80.86M7.60B
Profit Margin i32.5%26.6%

Balance Sheet & Liquidity Metrics

MetricORRF (2025)USB (2025)
Cash & Equivalents i149.77M46.89B
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 i311.82M60.76B
Long-Term Debt % of Revenue i125.3%212.9%
Total Shareholders Equity i591.54M65.65B
Retained Earnings i186.75M80.91B
Retained Earnings % of Revenue i75.0%283.5%
Property, Plant & Equipment iN/A1.51B

Cash Flow Statement Comparison

MetricORRF (2025)USB (2025)
Operating Cash Flow i99.26M6.04B
Operating Cash Flow % of Revenue i39.9%21.2%
Capital Expenditures i-4.22MN/A
Free Cash Flow i70.50M7.97B
FCF Margin i28.3%27.9%
Debt Repayment i-47.50M-9.05B
Common Stock Repurchase i-2.27M-489.00M

Short Interest & Institutional Ownership Analysis

MetricORRFUSB
Shares Short i808,75327,002
Short Ratio i3.750.00
Short % of Float i4.31%0.00%
Shares Outstanding i19.61M1.56B
Float Shares i18.67M1.55B
% Held by Insiders i3.93%0.14%
% Held by Institutions i60.58%83.55%
% Held by Public i35.49%16.31%

Dividend Analysis & Yield Comparison: Orrstown Financial Services Inc. vs U.S. Bancorp

MetricORRFUSB
Last 12-Month Dividend i$1.36$2.04
Last 12-Month Dividend Yield i3.78%3.82%
3-Year Avg Annual Dividend i$1.01$1.98
3-Year Avg Dividend Yield i0.83%1.19%
3-Year Total Dividends i$3.02$5.95
Ex-Dividend DateFeb 10, 2026Dec 31, 2025