Community Trust Bancorp vs Orrstown Financial Services
CTBI and ORRF side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CTBI and ORRF compare
Community Trust Bancorp is the larger company, worth 1.5 times as much as Orrstown Financial Services ($1.3B against $867M).
On earnings, Orrstown Financial Services is cheaper: it trades at 9.8× trailing earnings, against 11.5× for Community Trust Bancorp.
Community Trust Bancorp grew revenue faster over the last twelve months (12.3% versus 4.0% for Orrstown Financial Services).
Community Trust Bancorp keeps more of each dollar of sales as profit, with a net margin of 35.8% compared with 33.7% at Orrstown Financial Services.
Both pay dividends: Community Trust Bancorp yields 3.3% and Orrstown Financial Services 2.7%.
Orrstown Financial Services scores higher on the StockData Score (17 against 15 for Community Trust Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CTBI | ORRF |
|---|---|---|
| Size and price | ||
| Market cap | $1.3B | $867M |
| Share price | $70.09 | $44.10 |
| Change, 1 year | 30.0% | 28.7% |
| Change, 5 years | 58.0% | 79.9% |
| Beta (5Y) | 0.52 | 0.62 |
| Employees | 930 | 3 |
| StockData Score | ||
| Total score | 15 | 17 (better) |
| Valuation score | 1 | 2 (better) |
| Growth score | 2 | 2 |
| Performance score | 5 (better) | 4 |
| Health score | 3 | 5 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 11.5× | 9.8× (better) |
| P/S | 4.1× | 3.4× (better) |
| P/B | 1.5× | 1.4× (better) |
| P/FCF | 10.1× (better) | 14.6× |
| PEG | 1.97 | 0.37 (better) |
| FCF yield | 9.9% (better) | 6.9% |
| Fair value | $63.77 | $42.41 |
| Margin of safety | −9.9% | −4.0% (better) |
| Growth | ||
| Revenue growth (TTM) | 12.3% (better) | 4.0% |
| Revenue growth, 5Y average | 6.6% | 17.7% (better) |
| Net income growth (TTM) | 17.9% | 19.5% (better) |
| EPS growth (TTM) | 17.6% | – |
| EPS growth, 5Y average | 10.1% | 11.7% (better) |
| Profitability | ||
| Net margin | 35.8% (better) | 33.7% |
| FCF margin | 41.2% (better) | 23.0% |
| Return on equity | 12.9% | 14.8% (better) |
| Financial health | ||
| Altman Z-score | 0.29 (better) | 0.20 |
| Piotroski F-score | 6 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 3.3% (better) | 2.7% |
| Payout ratio | 37.7% | 26.3% |
| Years of dividend growth | 13 (better) | 11 |
| Dividend growth, 5Y average | 5.5% | 9.3% (better) |
| Buyback yield | −0.11% | 0.07% (better) |
| Shareholder yield | 3.2% (better) | 2.8% |
| Ownership | ||
| Held by institutions | 61.9% | 59.4% |
| Held by insiders | 2.0% | 1.2% |
| Insider net buying, 12 months | −$303K (better) | −$939K |
| Short interest, % of float | 3.0% | 2.1% |
Go deeper
- CTBI stock overview
- CTBI income statement
- CTBI valuation and score
- ORRF stock overview
- ORRF income statement
- ORRF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.