Orrstown Financial vs Camden National

This page compares Orrstown Financial (Orrstown Financial Services, Inc.) and Camden National (Camden National Corp), examining how their business models shape performance, the financial results landscape, and the markets they operate in. It presents an objective view of strategy, revenue drivers, and competitive context to help readers understand how these institutions differ and relate. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

ORRF

Metric

CAC

$701.96M

Market Cap

$754.22M

9.45%

Potential Profit

-6.18%

Buy

Analyst Rating

Buy

Investment Analysis

Orrstown Financial

ORRF

Pros

Orrstown Financial beat Q3 2025 earnings expectations, reporting an EPS of $1.14 versus a forecast of $1.05, indicating strong recent profitability.
The company exhibited a solid net interest margin of 4.11% and return on average equity of 15.7%, reflecting effective operational management.
Orrstown projects a 5% loan growth for the upcoming year, indicating potential revenue expansion through increased lending activity.

Considerations

Orrstown is classified as a small-cap regional bank with a $663 million market cap, which may limit scale and expose it to regional economic risks.
The stock currently trades below its fair value with moderate dividend yield (~3.2%), possibly reflecting market caution or valuation concerns.
The company has a current and quick ratio below 1 (0.87), suggesting potentially tighter short-term liquidity compared to peers.

Camden National

CAC

Pros

Camden National is a regional bank benefiting from stable community banking operations with a diversified loan and deposit base.
The company benefits from a growing regional economy in Maine and the Northeast, supporting loan demand and deposit growth.
Camden National has a strong local brand and customer relationships, fostering a stable deposit base and potential cross-selling opportunities.

Considerations

Camden National’s regional concentration exposes it to localized economic downturns and demographic challenges in its core markets.
The bank faces competitive pressure from larger regional and national banks, impacting margins and growth potential.
Interest rate fluctuations and economic cycles create earnings volatility, which can affect loan demand and net interest margins.

About The Companies

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.

Camden National (CAC)

Camden National Corporation is the bank holding company for Camden National Bank. Its core business involves attracting deposits and providing loans to a diverse customer base, including consumers, businesses, municipalities, and non-profit organisations. Beyond traditional banking, the company offers a suite of financial services such as wealth management, trust services, brokerage, and investment advice. Catering to the modern customer, Camden National has invested in a range of digital products. These platforms enable customers to manage their finances remotely, with specialised online systems for consumer borrowers, small business loans, and advanced cash management for commercial clients. This blend of traditional community banking and digital innovation defines its service model in the Northeast US. Remember, investing in any company carries risks, and past performance is not an indicator of future results.

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Comparison Snapshot