MetroCity Bankshares vs Orrstown Financial

This page compares MetroCity Bankshares and Orrstown Financial, focusing on their business models, financial performance, and market context. It presents a neutral overview suitable for readers seeking clear, accessible information, without forecasting or advice. Educational content, not financial advice.

This page compares MetroCity Bankshares and Orrstown Financial, focusing on their business models, financial performance, and market context. It presents a neutral overview suitable for readers seekin...

Comparison Snapshot

Key Financial Metrics

MCBS

Metric

ORRF

$780.40M

Market Cap

$701.96M

8.85%

Potential Profit

9.45%

Hold

Analyst Rating

Buy

Investment Analysis

MetroCity Bankshares

MCBS

Pros

MetroCity Bankshares showed strong financial growth with 17.54% revenue increase and 24.98% earnings growth in 2024.
The company maintains solid profitability metrics with a return on average equity of 15.67% and net interest margin of 3.67%.
A merger with First IC expected in Q4 2025 will significantly boost total assets to approximately $4.8 billion, expanding scale and market presence.

Considerations

The stock trades at a higher price-to-book ratio (1.7x) than the sector average, potentially indicating overvaluation relative to book value.
Uninsured deposits constitute 24.3% of total deposits, which may introduce liquidity and risk management challenges.
The company has a beta of 0.65, suggesting moderate sensitivity to market fluctuations which could affect stock volatility.

Orrstown Financial

ORRF

Pros

Orrstown Financial provides a consistent quarterly cash dividend, recently paid at $0.27 per share, indicating shareholder return focus.
The stock price is near its consensus analyst target, reflecting market stability and possibly limited downside risk.
Orrstown operates in a stable financial sector with a diversified banking business, supporting resilience amid economic cycles.

Considerations

There is limited recent financial growth data publically available, potentially increasing uncertainty about near-term performance.
The company faces competition from several regional banks, requiring continuous execution to maintain market share.
No recent announcement of mergers, acquisitions, or major growth catalysts could limit upside potential compared to peers.

About The Companies

MetroCity Bankshares (MCBS)

MetroCity Bankshares Inc (MCBS) is a regional bank holding company with a market capitalisation of around $669.09 million. It operates through community banking subsidiaries that provide deposit products, commercial and consumer lending, mortgage services and basic treasury solutions. Key drivers for the business are net interest margin, loan growth, deposit stability and fee income; capital strength and asset quality are important indicators to watch. As a regional lender, MCBS is sensitive to local economic conditions, credit cycles and interest-rate movements, which can influence earnings and provisions. Investors should balance potential income and growth from banking operations with risks including loan losses, regulatory changes and competition from larger banks or fintechs. This summary is educational and not investment advice — returns are not guaranteed and values can fall as well as rise. Consider your own risk tolerance and, where appropriate, seek independent financial advice before investing.

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?

European Bank Targets: M&A Risks and Opportunities

BBVA's hostile takeover bid for Sabadell has been rejected by the latter's board, signaling a potential wave of mergers and acquisitions in the European banking sector. This theme focuses on financial institutions that could be involved in or benefit from increased M&A activity.

Published: September 12, 2025

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Which Baskets Do They Appear In?

European Bank Targets: M&A Risks and Opportunities

BBVA's hostile takeover bid for Sabadell has been rejected by the latter's board, signaling a potential wave of mergers and acquisitions in the European banking sector. This theme focuses on financial institutions that could be involved in or benefit from increased M&A activity.

Published: September 12, 2025

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Comparison Snapshot