Which has the lower trailing P/E, ORRF or RCBC?

ORRF has the lower trailing P/E: ORRF trades at 8.94 and RCBC at 10.11. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, ORRF or RCBC?

Over the past five years, RCBC grew revenue faster — ORRF at a 23.41% CAGR versus RCBC at 30.88%.

Does ORRF or RCBC pay a bigger dividend?

ORRF yields 2.82% and RCBC yields 0.35% based on trailing dividends and the latest price.

Is ORRF or RCBC more profitable?

RCBC runs the higher net margin — ORRF at 24.06% versus RCBC at 25.13%.

How have ORRF and RCBC total returns compared?

Over the past 10 years, ORRF delivered 10.96% and RCBC delivered 16.32% annualized total return. Past performance doesn't predict future results.

Orrstown Financial Services, Inc. (ORRF) vs River City Bank (RCBC)

A side-by-side comparison of Orrstown Financial Services, Inc. and River City Bank across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

ORRF

Orrstown Financial Services, Inc.

$811M

$41.29Financial ServicesDelayed quote: Oct 6, 2026, 1:49 PM EDT

RCBC

River City Bank

$790M

$54.82Financial ServicesDelayed quote: Oct 6, 2026, 1:50 PM EDT

Total return — ORRF vs RCBC

growth of $100 · dividends reinvested · last 10y

ORRF +183.3% (+11.0%/yr)RCBC +344.7% (+16.1%/yr)RCBC compounded faster over this window

ORRF RCBC

ORRF vs RCBC: by the numbers

•ORRF is the larger company ($811M vs $790M market cap).
•ORRF trades at the lower trailing earnings multiple (8.94 vs 10.11 P/E), one valuation lens rather than an overall verdict.
•RCBC converts more revenue to profit (25.13% vs 24.06% net margin).
•RCBC grew revenue faster over the past five years (30.88% vs 23.41% CAGR).
•ORRF pays the higher dividend yield (2.82% vs 0.35%).

Metrics side by side

Valuation

Metric	ORRF	RCBC
P/E ratio	8.94	10.11
Forward P/E	9.57	10.92
PEG ratio	0.76	0.60
P/S ratio	2.26	2.54
P/B ratio	1.30	1.39

Profitability

Metric	ORRF	RCBC
Operating margin	29.94%	34.68%
Net margin	24.06%	25.13%
ROE	13.89%	13.78%

Orrstown Financial Services, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

River City Bank: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	ORRF	RCBC
Dividend yield	2.82%	0.35%
Payout ratio	25.32%	3.51%

Growth (annualized)

Metric	ORRF	RCBC
Revenue CAGR (5Y)	23.41%	30.88%
EPS CAGR (5Y)	11.71%	16.80%
Total return CAGR (5Y)	15.08%	14.99%

Frequently asked

Which has the lower trailing P/E, ORRF or RCBC?: ORRF has the lower trailing P/E: ORRF trades at 8.94 and RCBC at 10.11. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, ORRF or RCBC?: Over the past five years, RCBC grew revenue faster — ORRF at a 23.41% CAGR versus RCBC at 30.88%.
Does ORRF or RCBC pay a bigger dividend?: ORRF yields 2.82% and RCBC yields 0.35% based on trailing dividends and the latest price.
Is ORRF or RCBC more profitable?: RCBC runs the higher net margin — ORRF at 24.06% versus RCBC at 25.13%.
How have ORRF and RCBC total returns compared?: Over the past 10 years, ORRF delivered 10.96% and RCBC delivered 16.32% annualized total return. Past performance doesn't predict future results.

Go deeper

Full ORRF analysis Full RCBC analysis Interactive comparison tool

Dig into the metrics

Orrstown Financial Services P/E ratio River City Bank P/E ratio Orrstown Financial Services dividend yield River City Bank dividend yield Orrstown Financial Services ROE River City Bank ROE Orrstown Financial Services operating margin River City Bank operating margin Orrstown Financial Services revenue growth River City Bank revenue growth

Orrstown Financial Services & River City Bank appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Highest Operating Margin Stocks Highest 10-Year Total Return Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.