Mid Penn vs Orrstown Financial

Mid Penn Bancorp Inc and Orrstown Financial Services, Inc. This page compares business models, financial performance, and market context for the two institutions in a neutral, accessible manner. It provides objective information to help readers understand each company’s approach and standing in the sector. Educational content, not financial advice.

Mid Penn Bancorp Inc and Orrstown Financial Services, Inc. This page compares business models, financial performance, and market context for the two institutions in a neutral, accessible manner. It pr...

Comparison Snapshot

Key Financial Metrics

MPB

Metric

ORRF

$738.84M

Market Cap

$701.96M

7.40%

Potential Profit

9.45%

Strong Buy

Analyst Rating

Buy

Investment Analysis

Mid Penn

MPB

Pros

Mid Penn Bancorp has demonstrated consistent profitability with a history of consecutive quarterly dividends, reaching its 59th consecutive payout recently.
The company completed a strategic acquisition of William Penn Bancorporation, potentially expanding its market reach and customer base.
Mid Penn offers a diversified range of banking services including commercial loans, trust services, and community development lending, enhancing revenue sources.

Considerations

Mid Penn Bancorp operates primarily in regional commercial banking, which may expose it to limited geographic diversification and local economic risks.
The company faces competitive pressures in a highly regulated banking sector that may impact its ability to grow rapidly or adjust pricing.
Its market capitalization is relatively modest for a bank, which could limit access to capital markets and reduce liquidity for shareholders.

Orrstown Financial

ORRF

Pros

Orrstown Financial benefits from a focused regional banking strategy that can provide strong client relationships and community ties.
The company has shown resilience in managing credit risk, maintaining loan quality in varying economic climates recently.
Orrstown has opportunities for growth through expanding commercial and residential lending in its primary markets.

Considerations

Orrstown Financial’s performance can be adversely affected by interest rate fluctuations impacting net interest margins.
The bank faces operational risks related to technology upgrades and cybersecurity threats in the evolving financial services industry.
Its scale is smaller compared to larger regional banks, which may challenge its competitiveness in product offerings and technology investment.

About The Companies

Mid Penn (MPB)

Mid Penn Bancorp, Inc (MPB) is a Pennsylvania-based regional bank holding company that provides commercial and consumer banking through a community bank franchise. Its services include deposit accounts, commercial and residential lending, mortgage origination, treasury services and wealth-management solutions, delivered through a local branch network and digital channels. With a market capitalisation around US$639.7m, MPB sits in the small‑cap regional banking tier where loan growth, net interest margin and credit quality largely determine outcomes. Investors often watch interest-rate movements, deposit trends and local economic conditions because these affect funding costs and margins. Regulatory oversight, competition from larger banks and fintechs, and the company’s capital and asset-quality metrics are also key considerations. This is general, educational information only — not personal financial advice. Values can rise and fall; investors should assess suitability for their own circumstances and consult an authorised adviser before acting.

Orrstown Financial (ORRF)

Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank, a community-focused institution providing a broad range of financial services. The bank serves customers across several counties in Pennsylvania and Maryland, extending its lending activities to parts of Virginia and West Virginia. Its core business involves traditional community banking, offering deposit services like checking and savings accounts. The company is also active in lending, providing commercial, residential, and consumer loans. Beyond these core banking functions, Orrstown offers additional financial solutions, including fiduciary services, investment advice, insurance, and brokerage. This diversified model allows it to serve as a comprehensive financial partner for both individuals and businesses within its operating regions. As with any financial institution, its performance can be influenced by regional economic conditions and interest rate changes.

Which Baskets Do They Appear In?

Bank M&A Activity Overview: Consolidation Wave

Fifth Third's $10.9 billion acquisition of Comerica creates a new top-ten U.S. bank, signaling a potential wave of consolidation in the regional banking sector. This theme identifies other mid-sized regional banks that could become prime candidates for similar mergers or acquisitions as the industry continues to scale up.

Published: October 10, 2025

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Which Baskets Do They Appear In?

Bank M&A Activity Overview: Consolidation Wave

Fifth Third's $10.9 billion acquisition of Comerica creates a new top-ten U.S. bank, signaling a potential wave of consolidation in the regional banking sector. This theme identifies other mid-sized regional banks that could become prime candidates for similar mergers or acquisitions as the industry continues to scale up.

Published: October 10, 2025

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Comparison Snapshot