Orrstown Financial Services, Inc. (ORRF) vs Southern Missouri Bancorp, Inc. (SMBC)
A side-by-side comparison of Orrstown Financial Services, Inc. and Southern Missouri Bancorp, Inc. 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.
Total return — ORRF vs SMBC
growth of $100 · dividends reinvested · last 10yORRF vs SMBC: by the numbers
- •ORRF is the larger company ($812M vs $792M market cap).
- •ORRF trades at the lower trailing earnings multiple (8.95 vs 11.18 P/E), one valuation lens rather than an overall verdict.
- •ORRF converts more revenue to profit (24.06% vs 23.23% net margin).
- •ORRF grew revenue faster over the past five years (23.41% vs 19.02% CAGR).
- •ORRF pays the higher dividend yield (2.82% vs 1.42%).
Metrics side by side
Valuation
| Metric | ORRF | SMBC |
|---|---|---|
| P/E ratio | 8.95 | 11.18 |
| Forward P/E | 9.58 | 10.82 |
| PEG ratio | 0.76 | 2.62 |
| P/S ratio | 2.26 | 2.56 |
| P/B ratio | 1.31 | 1.34 |
Profitability
| Metric | ORRF | SMBC |
|---|---|---|
| Operating margin | 29.94% | 28.70% |
| Net margin | 24.06% | 23.23% |
| ROE | 13.89% | 12.16% |
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.
Southern Missouri Bancorp, 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.
Dividends
| Metric | ORRF | SMBC |
|---|---|---|
| Dividend yield | 2.82% | 1.42% |
| Payout ratio | 25.32% | 15.86% |
Growth (annualized)
| Metric | ORRF | SMBC |
|---|---|---|
| Revenue CAGR (5Y) | 23.41% | 19.02% |
| EPS CAGR (5Y) | 11.71% | 4.32% |
| Total return CAGR (5Y) | 15.08% | 11.41% |
Frequently asked
- Which has the lower trailing P/E, ORRF or SMBC?
- ORRF has the lower trailing P/E: ORRF trades at 8.95 and SMBC at 11.18. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ORRF or SMBC?
- Over the past five years, ORRF grew revenue faster — ORRF at a 23.41% CAGR versus SMBC at 19.02%.
- Does ORRF or SMBC pay a bigger dividend?
- ORRF yields 2.82% and SMBC yields 1.42% based on trailing dividends and the latest price.
- Is ORRF or SMBC more profitable?
- ORRF runs the higher net margin — ORRF at 24.06% versus SMBC at 23.23%.
- How have ORRF and SMBC total returns compared?
- Over the past 10 years, ORRF delivered 10.96% and SMBC delivered 13.14% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Orrstown Financial Services & Southern Missouri Bancorp appear in these rankings
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.